The Compounding Test — Lump Sum vs. DCA, With or Without a Fee

The Work

Run the test.

KeepMore Co. · Series CT · No. 0005 —

Security

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The Sum Invested

Both strategies start with the same amount.

The Day You Begin

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Annual Advisor Fee

Skimmed quarterly off the full balance.

Quick-Pick Starting Points

The Finding

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KeepMore Co. · Series CT · Result —

The Drag · Lump Sum, No Fee vs. Lump Sum, With Fee

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Lump Sum · No Fee

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All in on day one. Pure compounding.

Lump Sum · 1% Fee

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Same starting amount, fee skimmed quarterly.

DCA · 12 Months Spread

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Same total, spread monthly over the first year.

Lump Sum CAGR · No Fee

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Annualized over the period.

Lump Sum CAGR · With Fee

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What the fee leaves you with, annualized.

Holding Period

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The path of the test

Lump · No fee Lump · With fee DCA · No fee

The Working-Lifetime View

What is this service worth over a working lifetime?

You just watched a fee drain a balance on real data. Here's the other side: a full working lifetime of the same compounding with a typical 1% advisor fee versus with the fee I negotiate away. The gap is what the work is worth.

Service

Portfolio

Assumed annual return

With the advisor fee (1.00%)

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With KeepMore's fee (0.55%)

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Over 50 years, that one negotiation is worth —.

Illustrative projection at the assumptions shown · compounding modeled annually · not a forecast or guarantee

Want this as a branded PDF — your numbers, made to keep?

No spam. Your numbers, one PDF, and a personal follow-up — that's it.

The KeepMore Company · The 50-Year View

What a removed fee is worth

Service—

Starting portfolio—

Assumed annual return—

50 years · with the advisor fee—

50 years · with KeepMore's negotiated fee—

Kept over 50 years: —

Illustrative projection at the assumptions shown; compounding modeled annually, fee applied annually. Not a forecast, performance claim, or recommendation. Every client scenario differs and no outcome is guaranteed. The KeepMore Company provides fee examination, benchmarking, and negotiation; it does not manage assets or sell securities. thekeepmoreco.com

Step 2 of 3 · The Compounding Test

That number is what your advisor quietly took.

You've now proven it on real data — one drain down. The fee is only half. The Drain Test shows the other half: what the holdings you were actually placed in did to the same dollars. A confidential fee review puts both on one page — and shows you, in dollars, what we can negotiate back.

Book a Confidential Fee Review → Now See What You Were Placed In →

Free · 20 minutes · No obligation · Bring one statement

Our fee is designed to come in below the fees we work to save you.Not a guarantee of savings or returns — actual outcomes depend on your accounts, scope, and market conditions, and are reviewed with you directly.

In a client’s words

Watching him navigate the firms we did business with was a masterclass. He knew exactly who to call, how to handle people, and how to hold the professionals on the other end accountable. What surprised me most was seeing how much I would have been charged month after month if he hadn't gotten involved. Every question I had, he took the time to explain until it made sense. By the end, I wasn't just saving money. I understood what was happening and felt confident every step of the way.

— Rob B.

Your numbers carry over to The Drain Test.

Run the test.

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What is this service worth over a working lifetime?

It's yours.

What a removed fee is worth

That number is what your advisor quietly took.