Fees are like barriers holding you back from gaining investment returns. These fees usually come in the form of one off sales fees and annual fees such as management and trustee fees. 

They might seem small at first, but in the long run, they really add up. If you make a 6% return, your return without fees after 30 years is 474%. With annual fees of 1%, it’s only 332%. So you’ve lost one-fifth of your wealth away in fees! 

Here’s what your returns would look like If you had started by investing RM1,000.