Investment Parameters
Initial Investment Starting capital
RM
Monthly Top-up DCA contribution
RM
Expected Annual Return 10.0%
3%S&P 500 hist. ~10%20%
Investment Horizon 20 years
1yr20yr40yr
Compare Fund Fees
Quick load — real Malaysian funds
What is an expense ratio?The expense ratio (or TER — Total Expense Ratio) is the annual percentage fee deducted from your fund's assets. A 1% TER on RM 100,000 costs RM 1,000/year — but because it compounds, the true cost over 20+ years is far higher. The calculator shows the real RM impact.
Results Summary
—
Gross Value (no fees)
—
Best Fund Value
—
Highest-Fee Fund
—
Total Invested
—
Fees Lost (best)
—
Fees Lost (worst)
▸ Portfolio Growth Over Time
▸ Fee Drain — Final Value vs Fees Lost
Side-by-Side Comparison
| Fund | TER | Final Value | Fees Lost | % Lost to Fees | vs Best Fund |
|---|---|---|---|---|---|
| Run calculation ↑ | |||||
📚 What this means in context
The typical Malaysian unit trust charges 1.0–1.5% per year in management fees. A typical Bursa-listed ETF (e.g. 0827EA) charges 0.475%. An Ireland-domiciled UCITS S&P 500 ETF (CSPX/VUAA) charges 0.07%. SPYL charges 0.03% — barely any drag at all.
On a RM 100,000 portfolio over 20 years with 10% annual returns, the difference between 1.5% (unit trust) and 0.07% (CSPX) is approximately RM 130,000 — money that stays in the fund manager's pocket instead of yours.
This is why low-cost index ETFs have won the long-term investing argument. As John Bogle famously put it: in investing, you get what you don't pay for.