6d • General discussion
3%. Sounds small. It isn't.
Most people have no idea what they're paying to "grow" their money. They see a statement go up and assume it's working.
Let's do the math your advisor won't. 👇
$100,000 invested for 30 years at a 7% gross return:
✅ No fees: **$761,226**
❌ 2% MER + 1% advisor fee (net 4%): **$324,340**
That's **$436,886** gone. Not lost to the market. Lost to fees.
You took 100% of the risk. You put up 100% of the money. And the system kept more than half of the growth.
And here's the part nobody says out loud: those fees get paid whether your portfolio goes up or down. In a bad year, you lose money AND you pay for the privilege.
This isn't about blaming advisors. It's about asking a question most people never ask: **who is this system actually built to benefit?**
Before you add another dollar to your portfolio, find out three things:
1️⃣ Your fund's MER
2️⃣ Your advisor's fee (and how they're paid)
3️⃣ What those fees cost you in dollars, not percentages
Wealth isn't just what you earn. It's what you keep. 💰
*Hypothetical illustration for educational purposes only. Not investment advice. Actual returns and fees vary.*
#WealthWithoutWallStreet #MERfees #FinancialLiteracy #InfiniteBanking #RRSP 401k MoneyMindset BeYourOwnBank
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3%. Sounds small. It isn't.
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