Investors often compare ETF TER to the second decimal place while ignoring larger platform charges.
OUR METHODSources → assumptions → European context → verdict
The hidden lines
FX conversion, spreads, custody, inactivity, transfers, withdrawals and product mark-ups can exceed fund fees.
Calculate one annual number
Estimate the total cost of your actual behaviour: number of trades, currencies, average balance and transfers.
Value still matters
The cheapest broker is not best if it lacks suitable products, tax documents, transfer support or a custody structure you understand.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.