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Investment Fee Calculator — Fee Drag vs No-Fee Growth

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Initial amount Monthly contribution Expected gross annual return (%) Annual asset fee (%) Sales/front load (%) Ending redemption fee (%) Investment horizon (years)

Calculated result

263,924.49 after modeled fees

No-fee reference value: 300,850.72

Ending-value fee drag: 36,926.23 (12.27%)

Total cash contributed: 130,000

Value before ending redemption fee: 263,924.49

Show the working

1. Apply 0% sales load to the initial amount and each modeled monthly contribution.
2. Each month applies gross return of 0.58333% and then modeled fee drag of 0.08333%.
3. Run the same cash flows without fees for 240 months, then compare ending values.
4. Apply 0% ending redemption fee to the fee scenario.

This is a simplified deterministic fee-drag model. Product fees, taxes, spreads, transaction timing and actual returns can differ.

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