Compare an advisor-managed portfolio against a self-directed Vanguard ETF portfolio
(50% VTI / 20% VOO / 20% VXUS / 10% BND).
See how fee drag and active fund underperformance compound over decades.
Starting Portfolio$250,000
Annual Contribution$12,000
Expected Annual Growth12.4%
Time Horizon25 yrs
Advisor-Managed Costs
Advisor AUM Fee1.00%
Avg Fund Expense Ratio0.50%
Active Underperformance1.00%
SPIVA data: Active funds underperform their index by ~1.0–2.3% annually on an equal-weighted basis over 20 years, before advisor fees. Set to 0% to see fee drag only.
DIY Vanguard ETF Costs
Portfolio Composition
VTITotal Stock Market
50%·0.03% ER·14.5% avg
VOOS&P 500
20%·0.03% ER·14.9% avg
VXUSTotal Intl Stock
20%·0.07% ER·9.4% avg
BNDTotal Bond Market
10%·0.03% ER·1.9% avg
Blended: 12.4% avg return · 0.039% ER
10yr annualized
DIY Vanguard Portfolio
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Advisor-Managed
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Total Fee Drag — Money Left on the Table
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Portfolio Growth Over Time
DIY VanguardAdvisor-ManagedFee Drag
Milestone Snapshots
Year
DIY Vanguard
Advisor-Managed
Fee Drag
Drag %
Disclaimer: This tool is for educational and illustrative purposes only. It assumes constant annual returns and does not account for taxes, inflation, market volatility, sequence-of-return risk, or the potential value of financial planning services (tax optimization, behavioral coaching, estate planning) that advisors may provide. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.