Fee Drag Calculator: The True Cost of Your Funds

A 0.7% fee sounds like a rounding error until you compound it for thirty years. You give your funds, their OCFs, values, expected return and horizon; this calculates the cumulative cost in pounds for each fund, the total drag on your portfolio, and what that money would have grown to if it had stayed invested. For investors who suspect their fees are quietly eating the returns.

Help me calculate the long-term fee drag on my portfolio. I have the following funds and their ongoing charge figures (OCF): {FUND_FEE_LIST} (format: fund name, OCF %, current value). My total portfolio value is {PORTFOLIO_VALUE} and my expected annual growth rate before fees is {EXPECTED_RETURN}%. My investment horizon is {YEARS} years. For each fund: (1) calculate the cumulative cost in pounds over the full horizon; (2) show how much extra wealth I would accumulate if I switched to a low-cost index equivalent with an OCF of {BENCHMARK_OCF}%; (3) produce a summary table ranked by fee drag impact. Explain at what fee level a fund's active management would need to outperform to justify its cost.