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Funds must be compared after costs, since the expense ratio is deducted whatever the market does. A gross return advantage of 0.7 points disappears entirely against a 1.2 point cost disadvantage.
Net return comparison
Net = gross - expense ratio; compare (1+net)^10 on the same starting amount
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
Only by persistent net-of-fee outperformance, which is rare and hard to identify in advance.
No. Trading costs, exit loads and, in some markets, distribution charges all reduce what you keep.