Effect of Expense Ratios on Investments
| Expense Ratio | |||||
|---|---|---|---|---|---|
| Year | 10% Gain | 0.50% | 1.00% | 1.50% | 2.00% |
| 0 | $ 100,000.00 | $ 100,000.00 | $ 100,000.00 | $ 100,000.00 | $ 100,000.00 |
| 1 | $ 110,000.00 | $ 109,500.00 | $ 109,000.00 | $ 108,500.00 | $ 108,000.00 |
| 2 | $ 121,000.00 | $ 119,905.00 | $ 118,820.00 | $ 117,745.00 | $ 116,680.00 |
| 3 | $ 133,100.00 | $ 131,301.43 | $ 129,535.40 | $ 127,801.48 | $ 126,099.20 |
| 4 | $ 146,410.00 | $ 143,783.97 | $ 141,228.58 | $ 138,741.91 | $ 136,322.06 |
| 5 | $ 161,051.00 | $ 157,456.40 | $ 153,989.57 | $ 150,645.36 | $ 147,418.79 |
| 6 | $ 177,156.10 | $ 172,432.41 | $ 167,916.73 | $ 163,598.02 | $ 159,465.84 |
| 7 | $ 194,871.71 | $ 188,836.58 | $ 183,117.54 | $ 177,693.92 | $ 172,546.49 |
| 8 | $ 214,358.88 | $ 206,805.42 | $ 199,709.48 | $ 193,035.61 | $ 186,751.44 |
| 9 | $ 235,794.77 | $ 226,488.53 | $ 217,820.92 | $ 209,734.96 | $ 202,179.51 |
| 10 | $ 259,374.25 | $ 248,049.82 | $ 237,592.15 | $ 227,914.00 | $ 218,938.34 |
| 11 | $ 285,311.67 | $ 271,668.93 | $ 259,176.53 | $ 247,705.86 | $ 237,145.23 |
| 12 | $ 313,842.84 | $ 297,542.70 | $ 282,741.65 | $ 269,255.78 | $ 256,927.98 |
| 13 | $ 345,227.12 | $ 325,886.85 | $ 308,470.71 | $ 292,722.24 | $ 278,425.85 |
| 14 | $ 379,749.83 | $ 356,937.75 | $ 336,563.93 | $ 318,278.16 | $ 301,790.60 |
| 15 | $ 417,724.82 | $ 390,954.49 | $ 367,240.23 | $ 346,112.23 | $ 327,187.64 |
| 16 | $ 459,497.30 | $ 428,220.94 | $ 400,738.86 | $ 376,430.36 | $ 354,797.25 |
| 17 | $ 505,447.03 | $ 469,048.25 | $ 437,321.42 | $ 409,457.29 | $ 384,815.96 |
| 18 | $ 555,991.73 | $ 513,777.39 | $ 477,273.88 | $ 445,438.26 | $ 417,457.99 |
| 19 | $ 611,590.90 | $ 562,782.05 | $ 520,908.87 | $ 484,641.00 | $ 452,956.87 |
| 20 | $ 672,749.99 | $ 616,471.79 | $ 568,568.22 | $ 527,357.70 | $ 491,567.25 |
| $ amount less than | $ 56,278.21 | $ 104,181.77 | $ 145,392.30 | $ 181,182.75 | |
| % amount less than | 8.37% | 15.49% | 21.61% | 26.93% | |