Cost analysis / fee drag
See what fees compound into.
Compare two fund costs under identical return and contribution assumptions. The model separates the expense ratio from market performance so the trade-off stays legible.
Model assumptions
EditablePreset ratios are starting points and remain editable. Confirm the current figure in each fund's prospectus.
Projected ending-value gap
$20,397
VOO finishes ahead under these assumptions.
Capital contributed
$280,000
Ending value
$1,315,955
Fee drag vs 0.00%
−$29,996
Ending value
$1,336,353
Fee drag vs 0.00%
−$9,599
Projected growth path
Monthly compounding · contributions at month-end · identical gross return · expense ratio deducted from annual return. Taxes, trading costs and tracking difference are not modeled.
How to read the model
Fee drag, not a forecast
The return assumption is held constant for both funds. Results isolate the effect of annual fund costs; they do not predict market returns.
Same cash-flow schedule
Contributions are added at month-end and balances compound monthly. Taxes, spreads and advisory fees are excluded.
Verify the current ratio
Fund costs can change. Presets are editable, so use the expense ratio from the latest issuer prospectus before making a decision.