What is that fee really costing you?
Put two fee structures side by side and see what each one takes out of your portfolio over time. Everything updates as you type.
1 Your portfolio
2 The two fees
3 How the fees come out
The chart couldn't load, but the numbers above are still accurate.
How to read this
Fees paid vs. total cost
Fees paid is the actual money that left your account. Total cost adds the growth those dollars would have earned if they'd stayed invested. Over long periods the lost growth is usually the bigger number.
Flat fees vs. percentage fees
A percentage fee grows as your portfolio grows. A flat fee doesn't. Set one fee to Flat $ to see where the two cross over. Want to see a single fee on its own? Just set the other one to 0.
What it leaves out
The tool assumes the same return every year, which never happens in real life. It also ignores fund expense ratios, trading costs and taxes. Think of it as a way to size the fee, not a forecast.
Fees compound just like returns do. Make sure you're getting something for them.
Most people have no idea what their fees add up to over a lifetime. We'll walk through your current setup, show you where the money goes, and build a plan around your actual timeline. No pressure and no sales pitch.
This is a hypothetical illustration for educational purposes only and is not investment advice. It assumes the same return every year, which no real portfolio earns, and it does not include fund expense ratios, trading costs or taxes. The results are not a prediction or guarantee of future performance and do not represent any actual client account. Discipline Funds is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
