Portfolio mix
Split one monthly amount across two to four ETFs and see what the funds together cost each year (the blended TER), what those costs add up to over time and where the sum could end up at an illustrative 6% a year. Nothing is preselected and no mix is suggested.
A worked example
With €2,000 to start, €250 a month, half in Vanguard FTSE All-World (VWCE, TER 0.14%) and half in iShares Core MSCI World (IWDA, TER 0.20%), the blended TER is 0.17% a year. At an illustrative 6% a year, applied as 0.5% a month, the sum ends at €119,612 after 20 years. Without fund costs it would end at €122,131, so the costs take €2,519 over those 20 years. The 6% is an illustrative assumption, not a forecast.
| After | End amount after costs | Same sum without fund costs | Fund costs |
|---|---|---|---|
| 10 years | €44,172 | €44,609 | €437 |
| 20 years | €119,612 | €122,131 | €2,519 |
| 30 years | €254,565 | €263,174 | €8,608 |
How the blend is worked out. Each fund’s TER is multiplied by its share and the results are added up: 50% × 0.14% + 50% × 0.20% = 0.17%. The shares always add up to 100%. The tool then runs the same monthly calculation as the ETF Calculator with that blended TER, once with and once without costs, so the gap is exactly the fund costs plus the growth that money could have had.
How to read the result. The blended TER is a weighted average, so adding a cheaper or dearer fund moves it by that fund’s share only. Fund costs grow faster than the years because the TER is charged every year on a growing balance: €437 after 10 years, €8,608 after 30 in the example.
What it is not. A cost illustration, not a portfolio plan and not a judgement on which funds suit you. The TER says nothing about the index a fund follows, its countries, diversification or risk, and funds that track the same index overlap. Tax, transaction costs, tracking difference and inflation are not included.
Where the figures come from. The TER values come from the issuers’ KIDs and factsheets, linked under the result; the month of the last check is shown there too. Funds are listed alphabetically, not ranked.
Questions about mixing funds
Does a lower blended TER mean a better mix?
Not by itself. The blended TER only describes cost. Two mixes with the same cost can hold very different things and carry different risk, and the tool does not look at what the funds hold.
Why can I not pick more than four funds?
The tool keeps the comparison readable. Two to four funds is enough to see how the weights move the blended cost.
Why does the tool not suggest a mix?
Which mix fits depends on your goals, horizon and risk, which a calculator cannot judge. The tool only shows the cost and growth arithmetic of the mix you choose. For personal advice, talk to a licensed adviser.