🏁 Fee Drag Race

Welcome to the race.

This simulator visually and interactively demonstrates the long-term impact of investment fees using a racing analogy.

The finish line is your financial goal — whether that's retirement savings, a university fund for your child, or any long-term wealth target.

Small differences in fees compound significantly over time. Let's see how.

⚙ Race Settings
Chapter 2
Meet the Racers
Imagine four identical racing cars starting the same race, on the same track, with the same engines — but each car is loaded with different amounts of weight before the race begins.

The weight represents the fees they charge. The lighter the car, the fewer fees being paid — and the further it can go on the same fuel.

Chapter 3 — Lap 1 Results
📊 First Lap Complete
Early differences are small. The cars look close — but the fee weight is already beginning to take its toll.
Chapter 4 — Lap 2 Results
⚖️ The Gap Widens
The fee drag is becoming visible. The Index Racer pulls ahead steadily while heavier cars start to labour under their weight.
Chapter 5 — Lap 3 Results
📉 Compounding Kicks In
The compounding effect of fees kicks in hard. Cars carrying more weight fall further behind with each passing year.
Chapter 6 — Lap 4 Results
🔍 The Gap is Dramatic
The gap is now dramatic. Fees have consumed thousands — money that could have been compounding for you all along.
Chapter 7
🏆 Final Standings
The race is over. Here's how each car finished after 20 years.
PosCarFinal ValueFees Paidvs Index
Final Portfolio Value
Total Fees Paid
🏆

Over long investment horizons, fees compound into a structural disadvantage.

The winner is not the fastest car — it is the one carrying the least weight.

In a short sprint, the extra weight might not cost you the race. But over a long-distance endurance race, even a small amount of extra weight compounds into a massive disadvantage.

The car that starts lighter almost always wins — not because it was faster, but because it was less burdened.