{"id":10366,"date":"2021-01-21T07:57:47","date_gmt":"2021-01-21T12:57:47","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10366"},"modified":"2021-01-25T02:18:48","modified_gmt":"2021-01-25T07:18:48","slug":"understanding-investment-expenses","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/","title":{"rendered":"Understanding Investment Expenses"},"content":{"rendered":"\n<p>Investing requires several expenses which include more than just your financial advisor\u2019s fee and have to be borne by the investor. It is advised to be aware of the kind of expenses you have to meet before signing up for an investment. The various fees and commissions might be a bit difficult to discern at first, but once you understand the basics of how to tackle investment-related expenses, it becomes easier to gauge your investment\u2019s net performance.<\/p>\n\n\n\n<p>In this article, we will explore the kind of investment expenses you are likely to run into while you\u2019re investing your money, so you are well informed and prepared when making your investment decisions. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d414d9cf1e1\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d414d9cf1e1\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#The_Importance_of_Understanding_Hidden_Costs\" title=\"The Importance of Understanding Hidden Costs\">The Importance of Understanding Hidden Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#How_Do_I_Find_out_About_my_Investment_Expenses\" title=\"How Do I Find out About my Investment Expenses?\">How Do I Find out About my Investment Expenses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#What_are_the_Different_Types_of_Investment_Expenses\" title=\"What are the Different Types of Investment Expenses?\">What are the Different Types of Investment Expenses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#Steer_Clear_of_These_Commonly_Heard_Cover-ups\" title=\"Steer Clear of These Commonly Heard Cover-ups\">Steer Clear of These Commonly Heard Cover-ups<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#Penalties_for_Withdrawal\" title=\"Penalties for Withdrawal&nbsp;\">Penalties for Withdrawal&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#Tax-Deferred_Accounts\" title=\"Tax-Deferred Accounts\">Tax-Deferred Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#Annuities\" title=\"Annuities\">Annuities<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#Conclusion\" title=\"Conclusion&nbsp;\">Conclusion&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Importance_of_Understanding_Hidden_Costs\"><\/span><strong>The Importance of Understanding Hidden Costs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The three\nmajor reasons why you need to know about all the expenses involved in investing\nare:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>These\nexpenses can eat into your investment<\/li><li>They\naffect the return on your portfolio<\/li><li>To\ncompare the costs and get yourself a fair deal<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_I_Find_out_About_my_Investment_Expenses\"><\/span><strong>How Do I Find out About my Investment Expenses? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The best way\nto get information about any investments expenses, hidden or not, is to ask\nyour financial advisor. However, it\nis also advised to do your own research and be prepared with the questions and\ntheir follow-ups. Ensure that you ask your financial\nadvisor for documents or terms and conditions outlining the details\nof your expenses. To avoid these expenses from eating into your expenses,\nensure you receive transparency in the transaction. <\/p>\n\n\n\n<p><strong>Here is a list of five questions you should ask your\npotential advisor or yourself when you\u2019re contemplating an investment:<\/strong><strong><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Is\nthis a one-time expense?<\/li><li>What\nis the expense in the first year of investment?<\/li><li>What\nare the subsequent years\u2019 expenses?<\/li><li>Who\nwill be the recipient of the expense amount?<\/li><li>What\nkind of services will you avail of for the cost mentioned?<\/li><\/ol>\n\n\n\n<p>The answers to\nthese questions will throw some light on what kind of expenses you would be\npaying if you do sign up for the particular service provider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Different_Types_of_Investment_Expenses\"><\/span><strong>What are the Different Types of Investment Expenses?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There is a\nwide variety of expenses you can incur on your investments. These may seem\nquite confusing at first, and the several types can be quite daunting to wrap\nyour head around. But this is only until you get past the basic step of being\nintroduced to those expenses. Once you look beyond the \u201ctechnical\u201d nature of\nthese terms, they are quite simple to get a hang of. The deductions you will be\nbilled on can appear under different names. Here\u2019s a list to help you\ndistinguish the various costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Planning\nfees<\/li><li>Investment\nadvisory fees<\/li><li>Money\nmanagement fees<\/li><li>Custodian\nfees<\/li><li>Commission<\/li><li>Marketing\nfees<\/li><li>Transaction\ncharges<\/li><li>Insurance\nfees<\/li><li>Administrative\nfees<\/li><li>Penalties\nfor early withdrawal&nbsp;<\/li><li>Any\nother expense that is deducted or can be deducted from your account<\/li><\/ul>\n\n\n\n<p>Now we will go\nthrough a quick and short description of some of the common investment\nexpenses:<\/p>\n\n\n\n<p><em>Brokerage Fee: <\/em>This is charged by the broker who holds your\ninvestment account. This fee includes the annual fees to maintain the account,\nsubscriptions to paid investment guides, fees meant for trading platforms. You\nmay even be charged an inactivity fee for irregular trading.<\/p>\n\n\n\n<p><em>Trade Commission: <\/em>This fee is so also known as the stock trading fee.\nThis is what you end up paying when you buy or sell stocks. You may also have\nto pay this fee on other investment options or exchange-traded funds.<\/p>\n\n\n\n<p><em>Expense Ratio: <\/em>An expense ratio refers to the annual fees levied by\nmutual funds, index funds, and exchange-traded funds. This is calculated on a\npercentage basis of your investment.<\/p>\n\n\n\n<p><em>Sales Load: <\/em>Some mutual funds have these additional fees required\nto be paid by the investor. The payment is made to the broker or the\nsalesperson.<\/p>\n\n\n\n<p><em>Management Fee: <\/em>The management or advisory fee is generally paid to\nthe financial advisor as a percentage of the assets under management.<\/p>\n\n\n\n<p><em>401(k) Fee: <\/em>The 401(k) is an administrative fee paid to maintain\nthe investment plan. Mostly, the plan is given to the potential investor by the\nemployer.<\/p>\n\n\n\n<p>Keeping in mind the various categories any expense falls under, you can track exactly where your money will go. That way you can eliminate any needless expenditure or base your choice of advisor or broker on their transparency of transactions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steer_Clear_of_These_Commonly_Heard_Cover-ups\"><\/span><strong>Steer Clear of These Commonly Heard Cover-ups<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You might have\nheard these statements a hundred times. Sometimes, hearing similar statements\nover and over again, from different people could make them seem like facts.\nThis is where you need to practice caution. We\u2019ve put together a list of such\ncommonly heard cover-ups:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>An advisor saying \u201c<em>I don\u2019t have access to expense data<\/em>\u201d. This is not true. An advisor is always supposed to have access to that kind of information.<\/p>\n\n\n\n<p><em>What you should do<\/em>: Look for a more professional and experienced advisor who does not make use of such manipulative and deceptive tactics to sign you up.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>An advisor saying, \u201c<em>This will not cost you anything<\/em>\u201d. An advisor saying that is a huge red flag and you should be on your guard. It is not possible to get experienced, professional, reliable advice for free.<\/p>\n\n\n\n<p><em>What you should do<\/em>: Ask for complete information, ask questions about commissions that will be charged and any other commissions the advisor would be making on recommending your particular investments.<\/p>\n\n\n\n<p>These would\ninclude:<\/p>\n\n\n\n<p>Front-end load\ncommissions which is the amount of money that is deducted from your assets to\npay a commission to your advisor. Back-end load refers to the incentive paid by\na product company to the advisor. Companies charge high fees and penalties for\nearly withdrawals to recover the amount to be paid to your advisor as\ncommission.<\/p>\n\n\n\n<p>Level loads is\na recurring commission deducted from your asserts monthly.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>An advisor saying \u201c<em>I don\u2019t charge for transactions<\/em>\u201d. In such a case, the expense may be replaced with fixed fees. However, the fee is still tied to transactions \u2013 the purchase and sale of investments.<\/p>\n\n\n\n<p><em>What you should do<\/em>: Again ask, and make sure your advisor discloses every detail of the information.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>An advisor saying, \u201c<em>My services are free<\/em>\u201d. This is another red flag. Sometimes the salespeople don\u2019t want to bill you directly and instead would prefer to bill your account so they collect the fees directly from you.<\/p>\n\n\n\n<p><em>What you should do<\/em>: Ask your advisor why the services are free. Check if this expense will be booked under any other head. Ensure that you go through every detail in writing.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>An advisor saying, \u201c<em>Penalties don\u2019t matter because it\u2019s a long-term saving<\/em>\u201d. Do not fall into this trap. Penalties matter greatly. You might want to cash out of your investment before its term due to various reasons. Under such circumstances, penalties will significantly eat into your returns, and if the investment has resulted in a loss, a penalty over and absolve the loss is another major expense to take care of.<\/p>\n\n\n\n<p><em>What you should do<\/em>: Transparency is key. Ask about every product your advisor recommends to you. Question your advisor about what if you want to liquidate the investment before the due period, check his response &#8211; and ask for the terms and conditions in writing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Penalties_for_Withdrawal\"><\/span><strong>Penalties for Withdrawal&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your advisor\nhas the moral responsibility of disclosing any penalties that you may have to\npay if you do decide to liquidate your investment before the due period. The\npenalty period most frequently is 7 and 7 \u2013 if you sell the investment in the\nfirst year &#8211; you pay a 7 percent penalty. If you sell it in the second year,\nyou pay a 6 percent penalty, and so on until the penalty levying period meets\nits term.<\/p>\n\n\n\n<p>Here you need\nto practice caution as penalties can be masked under several other terms such\nas contingent deferred sales charges, the penalty for early withdrawal, and\nsurrender charges. They all mean the same &#8211; that a company can withdraw the\namount from your account without needing any additional approval from you for\nthis particular action.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax-Deferred_Accounts\"><\/span><strong>Tax-Deferred Accounts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Do ask for a\ncomplete disclosure for the expenses deducted from plans from tax-deferred\naccounts such as pensions, IRAs, or annuities. This way you can maximize your\nsavings, and defer taxes until you claim the income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Annuities\"><\/span><strong>Annuities<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Annuities are\nfinancial products that pay out a fixed payment to the investor. They are\nprimarily used as an income for the retired. Annuities offer a guaranteed\nincome because of the steady cash flow it promises. If your advisor recommends\nthat you purchase an annuity, make sure that you ask for the following\ninformation:<\/p>\n\n\n\n<p>Management fees&nbsp;<\/p>\n\n\n\n<p>Advisory\nfees&nbsp;<\/p>\n\n\n\n<p>Marketing\nfees&nbsp;<\/p>\n\n\n\n<p>Mortality\nfees&nbsp;<\/p>\n\n\n\n<p>Administrative\nfees&nbsp;<\/p>\n\n\n\n<p>Transaction\ncharges&nbsp;<\/p>\n\n\n\n<p>Termination\nfees&nbsp;<\/p>\n\n\n\n<p>Maintenance\nfees&nbsp;<\/p>\n\n\n\n<p>Custodial fees<\/p>\n\n\n\n<p>Any other fee\nthat will be charged because of the annuity<\/p>\n\n\n\n<p>Getting a\nbasic idea of what the actual return would be on your investment will help you\nplan better. There is no point in losing money over costs which can be easily\nreduced or eliminated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Investing in a product can be quite a process. It takes time and effort\nand a lot of trust to get your money into the right financial products. As\nsuch, you should make it a practice to ask&nbsp;\na lot of questions &#8211; ask your financial advisor valid questions related\nto the product being recommended. Do not hesitate to inquire about the likely\nexpenses, as this will allow you to get rid of expenses that you don\u2019t need to\nbear. It is advised to always approach a professional and experienced financial\nadvisor and request for a complete disclosure of all the costs, big or small,\ninvolved. Transparency of operations is the key. Remember that it\u2019s better to\nbe wary before you put in the money while your options are still open. <\/p>\n\n\n\n<p>If you are looking to begin investing, get started by using <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?cta=match\">Paladin Registry<\/a>\u2019s free match service to find a suitable financial advisor for your investing needs. <\/p>\n\n\n\n<p> To learn more about the author&nbsp;William&nbsp;Hayslett&nbsp;view his&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.paladinregistry.com\/blog\/author\/william-hayslett\/\" target=\"_blank\">short bio<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing requires several expenses which include more than just your financial advisor\u2019s fee and have to be borne by the investor. It is advised to be aware of the kind of expenses you have to meet before signing up for an investment. The various fees and commissions might be a bit difficult to discern at first, but once you understand the basics of how to tackle investment-related expenses, it becomes<\/p>\n","protected":false},"author":122,"featured_media":10369,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-10366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Investment Expenses - Paladin Registry<\/title>\n<meta name=\"description\" content=\"Investing in a product can be quite a process. 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It takes time and effort and a lot of trust to get your money into the right financial products.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-21T12:57:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-25T07:18:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/01\/Investment-Expenses-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"442\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"William Hayslett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"William Hayslett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/\",\"name\":\"Understanding Investment Expenses - Paladin Registry\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/understanding-investment-expenses\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/01\/Investment-Expenses-1.jpg\",\"datePublished\":\"2021-01-21T12:57:47+00:00\",\"dateModified\":\"2021-01-25T07:18:48+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/387697df93b42ff8cf0cfcbc2ecc4d76\"},\"description\":\"Investing in a product can be quite a process. 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