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The fee difference costs you
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Fees compound just like returns do, against you. The product with the higher fee has to beat the market every single year just to break even with the boring one.
How this is calculated
Both pots get the same contributions and the same gross growth, compounded monthly. Each fee is deducted from the growth rate (growth minus fee, as an annual percentage). The difference between the two end values is the compounding cost of the extra fee. Entry charges, exit charges and advice commissions would widen the gap further. Tax is not modelled.
This calculator is for information only and is not financial advice. Figures are estimates based on what you enter. Tax rules change, check revenue.ie for the latest. Talk to a qualified financial adviser before making big money decisions.
