The arithmetic of near-misses
A 7% average return vs 5% is not “2% more fun”—it’s a different curve. Likewise, a 2% annual fee on assets is not a one-time 2% haircut; it’s a recurring drag on the balance that compounds.
Where 2% hides
What to do
Audit leaks deliberately: negotiate, switch, simplify, and automate good defaults. Optimizing the last 0.01% is optional; ignoring obvious 1–2% drains is expensive.
Use the calculator
FAQ
- Is chasing 2% higher return worth risk?
Not automatically. Match risk to purpose. Often the cleanest win is lowering avoidable costs without raising volatility.