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Net annual return = gross return − expense ratio. A 1% expense ratio on a $100,000 portfolio costs $1,000/year and compounds: over 30 years at 7% gross, a 1% fee reduces the final balance by ~25% compared to a 0.05% index fund. Load funds charge a sales commission (front-end or back-end) on top of the expense ratio. FINRA's fund analyzer compares total costs.
Simple ROI on cash invested: (ending − initial − fees) / initial. Does not annualize or account for time held.