Fee cost — 0.5% annual fee

This calculator compares the ending value with no fee versus a 0.5% annual investment fee. Model: net return = gross return − fee.

Short answer A 0.5% annual fee reduces the ending value relative to no fee. The exact dollar impact depends on balance, return, and time horizon.

Inputs

Starting balance (CAD)

Horizon (years)

Gross return (annual %)

Annual fee (%)

Annual contribution (CAD)

Results

Inspect the Arithmetic

Ending value (no fee)

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Ending value (with 0.5% fee)

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Dollar difference

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Percent reduction

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Formula: FV = P·(1+r)^t + c·((1+r)^t − 1)/r (computed once with r = gross return, once with r = gross − fee)

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