Fee impact calculator

See how much a fund expense ratio difference really costs you over time

Inputs

Current balance HK$100,000

Monthly contribution HK$3,000

Time horizon 30 years

Assumed annual return 5.0%

Fund A — FER 0.68%

Fund B — FER 1.44%

Cost of the fee difference

HK$0

Choosing the higher-fee fund costs you this much in lost growth over the time horizon you set.

Fund A balance—

Fund B balance—

Projected balance over time

Fund A

Fund B

Total fees paid

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Fund A

Total fees paid

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Fund B

This calculator uses simplified compounding assumptions for illustration only. It does not account for inflation, salary growth, or changes to MPF rules over time. This is not financial advice.