Total Fees Lost
$105,521
Fee Impact
30.7%
Final Value (with fees)
$238,257
Annual Fee
1.39%
Investment Details
Fee Structure
Common Fee Structures
Low-Cost Index Fund
0.2% annual
Robo-Advisor
0.5% annual
Active Mutual Fund
1.5% annual
Hedge Fund
2% annual
Traditional Advisor
1% annual
KiwiSaver Conservative
0.5% annual
KiwiSaver Growth
1% annual
Fee Impact Analysis
Understanding Investment Fees
The Power of Compound Costs
A 1% difference in fees can reduce your final portfolio value by 20-30% over 30 years. Fees compound just like returns, but in reverse!
Management Fees
Annual percentage charged for managing your investments. Typically ranges from 0.05% for index funds to 2%+ for actively managed funds.
Performance Fees
Percentage of profits above a benchmark. Common in hedge funds (typically 20% of profits). Only pay when the fund outperforms.
Platform/Admin Fees
Fixed or percentage-based fees for account maintenance, statements, and platform access. Can be monthly or annual.
Entry/Exit Fees
One-time charges when buying into or selling out of a fund. Less common now but still exist in some funds.
Tips to Minimize Fee Impact
- •Choose low-cost index funds or ETFs for core holdings (typically 0.05-0.20% fees)
- •Avoid funds with entry/exit fees unless holding long-term
- •Compare total expense ratios, not just management fees
- •Consider fee caps and breakpoints for larger investments
- •Review and rebalance annually to avoid unnecessary trading fees
Interactive Learning
Investment Basics Guide
Learn the fundamentals of investing and how compound growth works over time.
Risk Tolerance Quiz
Discover your investment personality and find the right KiwiSaver fund type.
KiwiSaver Timeline Visualizer
See how your KiwiSaver grows year by year with interactive timeline charts.
Fee Impact Simulator
Understand how management fees affect your retirement savings over time.
💡 Pro Tip
Understanding fee impacts and investment basics can save you thousands over your investment lifetime and help you make smarter financial choices.
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