How it works
Approximate break-even years = switching cost / annual fee savings on an unchanged balance.
Input definitions
- Investment balance
- Enter the value in the labeled unit.
- Old annual fee (%)
- Enter the value in the labeled unit.
- New annual fee (%)
- Enter the value in the labeled unit.
- One-off switching cost
- Enter the value in the labeled unit.
A worked example
- Investment balance
- 100000
- Old annual fee (%)
- 1
- New annual fee (%)
- 0.2
- One-off switching cost
- 400
Assumptions & limits
Planning model using the rates, cash flows and periods entered. Examples are illustrative, not market quotes or personalised financial advice. Taxes, inflation and transaction costs are excluded unless explicitly entered.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-18. Content checked against the stated method and examples. Our verification approach.
Common questions
Are tax costs from selling included?
Only if you include them in the one-off switching cost. This simplified model holds the invested balance constant.
How does Fund switch fee break-even work?
Approximate break-even years = switching cost / annual fee savings on an unchanged balance.
What should I check before using Fund switch fee break-even?
Planning model using the rates, cash flows and periods entered. Examples are illustrative, not market quotes or personalised financial advice. Taxes, inflation and transaction costs are excluded unless explicitly entered.