Same return assumption — how much do fees eat?
Fill in your own product's sales charge and annual fee rate, and see how much fee erosion adds up to over the years — equivalent to how many months of retirement spending. No product fee rates are preset; you fill in your own.
How you're investing
Fees (fill in your own product's numbers)
This is a common-range reference only — check your own product's prospectus.
This is a common-range reference only — check your own product's prospectus.
Compare against your retirement spend
The "zero-fee" curve is a theoretical comparison — no such fee-free product exists; it's only there to measure how much fees erode.
This tool applies to unit-trust-style products; savings insurance / ILPs have a different fee structure and are not covered here.
Bring your product's prospectus and we'll go through the real fee rates and what they mean for you specifically.
This tool is for education only — not personalised investment advice; no specific product, fund, or platform is recommended. Fee rates are entered by you; no product fee rates are preset. The "zero-fee" curve is a theoretical comparison, not an actual product. Investments can lose money and returns can be negative; this tool's return assumptions are illustrative scenarios, not a prediction or guarantee.