Portfolio Fee Audit
Portfolio Fee Audit
Your bank advisor won't show you this number. Enter your fund holdings and see your blended MER — then compare it to a low-cost target like VEQT (0.24%), XEQT (0.20%), or your own hypothetical portfolio.
Most bank portfolios charge 10× more in fees than a simple all-in-one ETF, and the gap compounds over decades. Use this when you're deciding whether to stay with your advisor's funds or move to self-directed investing. The dollar amount at the bottom is usually the wake-up call.
| Fund | MER % | Alloc % | |
|---|---|---|---|
Allocation: 100% ✓
Your fees are costing you $366K over 30 years
2.0%
Your blended MER
0.24%
VEQT MER
$12.2K/yr
Avg annual cost
Your portfolio vs VEQT (0.24% MER)
| Period | Target (VEQT) | Your portfolio |
|---|---|---|
| 0 | $50.0K | $50.0K |
| 1 | $60.0K | $59.0K |
| 2 | $70.7K | $68.5K |
| 3 | $82.3K | $78.6K |
| 4 | $94.7K | $89.2K |
| 5 | $108K | $100K |
| 6 | $122K | $112K |
| 7 | $138K | $125K |
| 8 | $154K | $138K |
| 9 | $172K | $152K |
| 10 | $191K | $167K |
| 11 | $212K | $182K |
| 12 | $234K | $199K |
| 13 | $258K | $216K |
| 14 | $284K | $234K |
| 15 | $311K | $254K |
| 16 | $341K | $274K |
| 17 | $373K | $296K |
| 18 | $407K | $319K |
| 19 | $444K | $343K |
| 20 | $483K | $369K |
| 21 | $526K | $396K |
| 22 | $571K | $424K |
| 23 | $620K | $454K |
| 24 | $673K | $486K |
| 25 | $730K | $520K |
| 26 | $791K | $555K |
| 27 | $857K | $593K |
| 28 | $927K | $632K |
| 29 | $1.0M | $674K |
| 30 | $1.1M | $718K |
Fee drag comparison over 30 years. Target (VEQT) ends at $1.1M (30); Your portfolio ends at $718K (30)
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These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.