Compare investment fees

The fees associated with the funds you’re invested in can meaningfully impact the value of your portfolio over time. Use the calculator below to compare the fees of two different funds.

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$
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Fund A ending value

$0

Fund B ending value

$0

Money lost to fees

$0

Difference

0%

Fund A Fund B

For illustration only. Assumes the same gross return applied to both funds; actual returns will vary.

  1. Starting amount: the current value of your investments

  2. Contribution: the amount you add every month or year (frequency)

  3. Years invested: how far into the future you want to compare

  4. Gross annual return: theoretically, you want to be comparing two funds that have the same or similar intentions, so enter the expected return you’d be looking for as a result.

  5. MER: this can be found in the “Fund Facts” document of all ETFs and mutual funds. Search “[ticker] fund facts,” to pull up the website or PDF e.g. “VEQT fund facts.”

  6. The results show you the ending value over time, comparing the two funds that you’re reviewing. It highlights the money that would be spent on fees (rather than in your pocket) if you use the higher MER fund. The trade off may be that by using a higher MER product, you also get financial planning advice from the dealer. This is where you should consider whether the benefits you receive are worth the premium that you’re paying.