Compare two ETFs
Compare hypothetical portfolio growth based on returns and annual fund expenses (TER).
Please check your inputs.
Portfolio growth
Year-by-year comparison
| Year | Contributed | ETF A | ETF B | Difference |
|---|
Model: constant annual return before expenses; TER is deducted once from the annual return; monthly compounding and contributions at month-end. Taxes, inflation, brokerage fees and market volatility are excluded. This is an illustration, not a forecast or recommendation.
How two ETFs are compared
Enter the expected gross return and the TER (ongoing charge) for each fund. The calculator subtracts the TER from the return, works out the net return and compares the final amounts for identical contributions. Even a small difference in fees accumulates over decades.
Frequently asked questions
What is the TER?
The Total Expense Ratio is the fund’s annual fee as a percentage of its assets. It is already reflected in the fund’s price and is not charged to you separately.
Why does a 0.1% fee difference matter?
It reduces the return every year, and over a long horizon the difference becomes noticeable. Funds should also be compared by index, size, tracking difference and taxation.
Which gross return should I enter?
If both funds track the same index, enter the same gross return and different TERs to see the pure effect of fees.
This information is general and educational and is not investment advice.