[{"data":1,"prerenderedAt":108},["ShallowReactive",2],{"article:\u002Farticles\u002Fthe-hidden-cost-of-fund-fees":3},{"article":4,"related":93},{"id":5,"title":6,"author":7,"body":8,"category":79,"description":80,"extension":81,"kind":82,"meta":83,"navigation":84,"path":85,"publishedAt":86,"readingTime":87,"reviewer":88,"seo":89,"stem":90,"trending":84,"updatedAt":91,"__hash__":92},"articles\u002Farticles\u002Fthe-hidden-cost-of-fund-fees.md","The Hidden Cost of a 1% Fund Fee","Lynktor Editorial Team",{"type":9,"value":10,"toc":72},"minimark",[11,16,20,32,39,43,46,52,56,69],[12,13,15],"h2",{"id":14},"a-small-number-with-a-long-reach","A small number with a long reach",[17,18,19],"p",{},"A fund's expense ratio is charged every year on your whole balance, not on your gains. That makes it easy to underestimate.",[17,21,22,23,27,28,31],{},"Take $100,000 invested for 30 years with a 7% gross return. In a fund charging 0.05%, it grows to about ",[24,25,26],"strong",{},"$750,600",". In a fund charging 1%, it grows to about ",[24,29,30],{},"$574,300",". The higher fee costs about $176,000.",[33,34],"article-chart",{":labels":35,":series":36,"title":37,"unit":38},"[\"Year 0\",\"Year 10\",\"Year 20\",\"Year 30\"]","[{\"name\":\"0.05% fee\",\"data\":[100000,195798,383368,750626]},{\"name\":\"1% fee\",\"data\":[100000,179085,320714,574349]}]","Growth of $100,000 at 7% before fees","$",[12,40,42],{"id":41},"why-fees-compound","Why fees compound",[17,44,45],{},"Every dollar paid in fees is a dollar that no longer earns returns for the rest of the holding period. Over decades, the lost growth is far larger than the fee itself.",[47,48,49],"pull-quote",{},[17,50,51],{},"Returns are uncertain. Fees are guaranteed.",[12,53,55],{"id":54},"how-to-check-what-you-pay","How to check what you pay",[57,58,59,63,66],"ol",{},[60,61,62],"li",{},"Look up each fund's expense ratio on the provider's fact sheet.",[60,64,65],{},"Check for advisory or platform fees charged on top.",[60,67,68],{},"Compare with low-cost index funds or ETFs that track the same market.",[17,70,71],{},"A higher fee can be worth it if it buys something you need, such as advice you would not otherwise get. Just make it a deliberate choice.",{"title":73,"searchDepth":74,"depth":74,"links":75},"",2,[76,77,78],{"id":14,"depth":74,"text":15},{"id":41,"depth":74,"text":42},{"id":54,"depth":74,"text":55},"investing","A fee that looks small takes nearly a quarter of a portfolio over thirty years. Here is how the math works.","md","article",{},true,"\u002Farticles\u002Fthe-hidden-cost-of-fund-fees","2026-08-19",1,"Lynktor Research Desk",{"title":6,"description":80},"articles\u002Fthe-hidden-cost-of-fund-fees","2026-10-02","C67uZ1tOdcLhBvjSdTqQEUyYXNOl5jlrXOMHurtN15E",[94,98,103],{"title":95,"description":96,"path":97,"category":79,"readingTime":87},"Why Starting Early Beats Investing More","Two savers put in the same $96,000. One ends up with more than twice as much. The difference is twenty years of compounding.","\u002Farticles\u002Fwhy-starting-early-beats-investing-more",{"title":99,"description":100,"path":101,"category":102,"readingTime":87},"What the Fed Does With Interest Rates","How the Federal Reserve's policy rate reaches your mortgage, your savings account, and the stock market.","\u002Farticles\u002Fwhat-the-fed-does-with-interest-rates","economy",{"title":104,"description":105,"path":106,"category":107,"readingTime":87},"Roth vs. Traditional IRA: Which Fits You?","Pay tax now or later? How the two IRA types differ, and the question that usually decides it.","\u002Farticles\u002Froth-vs-traditional-ira","retirement",1793226378859]