Portfolio Dashboard
Calculate the real cost of your portfolio (weighted average TER) and project the thousands of euros you'll save by avoiding actively managed funds.
0.142%
This is the average annual fee of your portfolio.
+127,731 €
The TER (Total Expense Ratio) is a fund's total annual fee expressed as a percentage of its assets. You never pay it separately: it is deducted daily from the fund's net asset value, so the return you see already has it subtracted. A 1.5% TER means the fund quietly takes 1.5% of your money every year, whether it beats the market or not.
The management fee is only one component of the TER — what the fund manager charges for running the fund. The TER adds on top the custody fee, administration costs and other ongoing expenses, so it reflects the real total cost you bear each year far better than the management fee alone.
The reference index funds available in Europe usually sit well below 0.5% per year, and the most competitive ones below 0.2%. Actively managed funds sold by traditional banks, by contrast, often exceed 1.5% — a difference that, compounded over decades, can cost tens of thousands of euros, as the simulator above shows.
Once you've calculated your fund costs, use CoreBalance's free calculator to rebalance your weights locally and 100% privately.