Clear thinking for life abroad

On S$500,000 invested for 20 years at the same 6% gross return, the difference between paying 1% a year and 2.5% a year is about S$332,000. Same markets, same money, same time. The only thing that changed is the cost. Fees look small because they are shown as percentages. A 2.5% charge sounds like a rounding error until you see what it does to a portfolio over two decades. The worked example This is an illustration, not a forecast. It assumes a single S$500,000 investment, a