Compare Funds Like They Deserve

"There should be a website where we can compare them like mutual funds." Here it is. Two funds, side by side, year-by-year in 3D — watch how a small expense-ratio difference quietly eats a fortune.

Fund A value
Fund B value
fees paid (stacked dark caps)
drag to orbit · each bar pair = one year

Your comparison

Fund A (e.g. index fund)

Fund B (e.g. active fund)

Fund A final
Fund B final
Fee gap (A − B)
of B's value lost to fees

The formula behind the bars

Each year: value = (value + 12 × SIP) × (1 + gross − expense). The expense ratio is deducted from returns every single year, so it compounds against you exactly the way returns compound for you.

Why 1% is not "just 1%"

A 1.3-point fee gap on identical 11% gross returns over 20 years typically destroys 12–18% of your final corpus. The fee is charged on your whole balance, not on your gains — even in losing years.

What to actually compare

When comparing funds like a pro, look at: expense ratio, rolling 5-year returns (not point-to-point), standard deviation, Sharpe ratio, and tracking error for index funds. Star ratings are a rear-view mirror.

Active vs index reality check

SPIVA data has shown that over 15-year windows, roughly 85–90% of active large-cap funds underperform their benchmark after fees. The bar you should beat isn't zero — it's the cheap index fund next to it.

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