AUM Fee table

	A	B	C	D	E	F	G	H	I	J	K	L	M	N
1	Starting Balance		$200,000
2	Annual Savings		$20,000
3	Assumed Real Return		5.0%
4	No Fees		Annual Assets Under Management (AUM) Fee
5	No Fees		0.10%		0.25%		0.50%		1.00%		1.50%		2.00%
6	Planned Numer Of Years	Projected Final Balance	years delayed	equivalent annual fee	years delayed	equivalent annual fee	years delayed	equivalent annual fee	years delayed	equivalent annual fee	years delayed	equivalent annual fee	years delayed	equivalent annual fee
7	1	$230,000	0.0	$200	0.0	$501	0.0	$1,002	0.1	$2,010	0.1	$3,021	0.2	$4,038
8	5	$365,769	0.0	$260	0.1	$651	0.2	$1,303	0.4	$2,613	0.7	$3,930	0.9	$5,255
9	10	$577,337	0.1	$340	0.2	$851	0.5	$1,705	1.0	$3,419	1.6	$5,143	2.2	$6,877
10	20	$1,191,979	0.2	$517	0.6	$1,293	1.2	$2,587	2.5	$5,174	4.0	$7,761	5.8	$10,342
11	30	$2,193,165	0.4	$714	1.0	$1,783	2.0	$3,556	4.4	$7,063	7.1	$10,505	10.4	$13,861
12	40	$3,823,993	0.6	$929	1.4	$2,313	3.0	$4,588	6.4	$9,009	10.6	$13,218	15.7	$17,159
13	Over 20 years, the investor is projected to accumulate a target savings of $1,191,979 based on the assumptions highlighted in yellow. Adding an Assets Under Management (AUM) fee will result in it taking longer than 20 years to reach $1,191,979. An AUM fee of 1.00% each year will lower the assumed growth rate from 5.00% to 4.00%, resulting in an extra 2.5 years being necessary to reach $1,191,979. Alternatively, the equivalent per-person level management fee of $5,174 each year lowers the effective annual savings from $20,000 to $14,826, resulting in the same delay of 2.5 years.
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