Fees are compounded just like your investment returns. A seemingly small 2% fee can eat up over 30% of your total portfolio value over 25 years because that money is no longer there to grow.

For broad market index funds (like S&P 500 or Total Stock Market), a good expense ratio is typically below 0.10%. Many high-quality ETFs now offer ratios as low as 0.03% to 0.05%.

Our Pro and Premium engines scan your holdings against our global fund database to extract the latest Net Expense Ratios and management fees, even if they aren't clearly listed on your broker's statement.

Tax drag is the reduction in your return caused by taxes on dividends and capital gains. We analyze your account types (TFSA vs Non-Registered) to help you identify which assets are most efficient in which accounts.