Fee Impact Calculator

Management fees compound against you every year. See how much they're really costing — and which ASX ETFs are actually worth it.

📉 Compound Fee Drag

Set independent return assumptions for each fund — find the break-even point where higher fees are worth it

Your Fund's Fee 1.00%
← IVV 0.03% A200 0.04% VGS 0.18% NDQ 0.48% High-Fee Fund 5.57% →
Time Horizon 20 years
10y 20y (retirement) 30y 40y
Low-fee fund expected return 9.0%
1% 9% (S&P avg) 20%
Your fund expected return 9.0%
1% Try 12% for active mgmt 20%

After 20 years, your fund ends up:

$0

vs the low-fee alternative

Low-fee fund (0.03%)
$46,610
Your fund at 1.00%
$41,960
Low-fee net return
8.97%
Your net return
8.00%
📍 Reference Benchmarks
Inflation Rate 3.0%
1% 3% (AU avg) 5% 6% →
Risk-Free Rate (Cash / Bonds) 4.0%
0.5% 4% (HISA) 6% 7% →
🚨
One Private Loan Fund — 5.57% fee, -17% return (1yr)

This fund charges 5.57% annually. $10,000 invested 20 years ago would be worth just $2,980 vs $46,610 in a 0.03% index ETF — assuming the same gross return. On a negative-return fund, you're paying to lose money.

⚠️
An Actively Managed Growth Fund — 2.92% fee on $3.2B AUM, -2.69% return (1yr)

This fund manages $3.2 billion and charges 2.92%. At that scale, the fee alone generates ~$93M/year in revenue for the fund manager — regardless of whether investors make money. Fee structures matter.

📊 ASX ETFs: Fee vs Return

Every major ASX ETF plotted. Top-left = golden zone.

✨
18 of ~120 ETFs (15%) have fees under 0.1% and positive 1-year returns above 6% — the true "golden zone" performers.

The screener narrows 120+ ETFs to 5 elite picks. OverlapIQ narrows 5 to the 2–3 you actually need.

IVV, SPY, and VTS are all in the elite 5 — but they're essentially the same S&P 500 exposure (95%+ overlap). Owning all three is redundant. Check if your portfolio has hidden duplication.

Check your ETF overlap for free →

Not financial advice. Fee and return data is representative and based on published ETF information. Past returns do not guarantee future performance. Always read the relevant PDS before investing.