Recent Calculations
This calculator can help you analyze the costs associated with buying shares in a mutual fund. By entering a few pieces of information, found in your fund's prospectus, you can see the impact of fees and operating expenses on your investment.
The name that best describes the fund you are analyzing. This entry is for informational purposes only, it will not affect the calculated results.
This is the category that best describes the fund you are analyzing. This entry is for informational purposes only, and will not affect the calculated results.
The number of years you are going to hold this fund.
This is your initial investment in this fund. The actual amount invested in the fund will be your initial investment minus any front-end sales charge. Other fees and commissions are not taken from this amount. The tool assumes that other fees and commissions are paid separately, or as out-of-pocket expenses.
The annual rate of return you expect from this fund. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
This is a fee charged when you purchase your shares of the fund. A sales charge at the time you invest is also called a front-end load. It will reduce the actual amount that you invest in the fund. For example, if you had an initial investment of $10,000 in a fund with a 3% sales charge, or front-end load, you would actually be investing $9,700 in the fund and paying $300 as a sales charge. It is important to note that many mutual funds have no sales charge. Funds without sales charges are often called no-load.
This is a fee charged when you sell your shares of the fund. A deferred sales charge is also called a back-end load. It will reduce the actual amount that you receive when you sell your shares in the fund. For example, if you had a final investment balance of $20,000 in a fund with a 5% deferred sales charge, or back-end load, you would actually receive $19,000 and pay $1,000 as a deferred sales charge. It is important to note that many mutual funds have no deferred sales charge. Funds without sales charges are often called no-load.
Some funds will have a deferred sales charge that decreases or is eliminated. This is called a Contingent Deferred Sales Charge (CDSC) and the actual deferred sales charge depends on the number of years you hold the fund. Make sure to enter the correct deferred sales charge for the number of years you will be holding this fund. Deferred sales charges can be calculated with either the original investment amount or the ending balance. This calculator assumes that this fee is calculated as a percentage of the investment amount.
This includes any other fee or commission that you are required to pay to purchase shares in the fund. Fees and commissions will not reduce the value of your initial investment. You will, however, need to have additional funds available to pay any fee or commission that you may be charged.
Check this box if your fund converts to a new class of shares during your holding period. This should be explained in your prospectus. If your shares do convert, you will pay the fees and expenses associated with the new class of shares after they convert. If you check this box, the tool allows you to enter your total operating expenses before the conversion and after the conversion and the number of years before your shares will convert.
This is the year your shares in the fund will convert to a new class. This option is not available if your fund shares do not convert.
This is the total operating expenses for the shares in your fund. Your total operating expenses should be available from your fund's prospectus. If your fund shares convert to a new class, you will be asked to enter the total operating expenses for both before and after the conversion.
The tool assumes that all operating expenses are taken out of your balance at the end of the year, after your return for the year has been added to your account.
This is the total earnings that you would have made if your sales charges, operating expenses, fees and commissions had been invested. For example, if you had a fee of $1000, and a rate of return of 10% you would have an opportunity cost of $100.00 after one year.
Please note that deferred sales charges do not have an opportunity cost since they are paid when your fund is sold. All other fees have the opportunity cost calculated when the costs are incurred.