Expense ratios and advice layers that compound against you.
Related topics
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Fee drag
A one-percent fee is not one percent of outcomes — compounding makes costs exponential too.
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🌍Broad equity index
Owning the market’s productive capital cheaply — the default long-horizon compounding vehicle in modern advice.
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📱Auto-invest apps
Defaults, round-ups and target-date rails — how apps industrialise contributions, and where fees still hide.
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🧾Tax drag
Taxes change which return compounds — wrappers, location and realisation timing as first-class levers.
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