Unlocking Hidden Value in Retirement Accounts
The Johnsons have amassed $2.1 million in retirement accounts, largely invested in a mix of actively managed mutual funds recommended years ago. With college tuition looming and a desire to retire comfortably, they worry about paying too much in fees and if their investments are truly delivering the best possible net asset value (NAV) given the market conditions and fund expenses. They suspect some funds may be underperforming relative to their expense ratios.
By using Golden Door Asset's NAV Calculator, the Johnsons can analyze the per-share value of their mutual funds, factoring in expenses and market performance. They can then compare these values against similar funds or ETFs with lower expense ratios. The calculator helps them identify funds where a high expense ratio is eroding returns, potentially allowing them to reallocate $150,000 from underperforming funds into lower-cost alternatives, increasing their overall portfolio NAV by an estimated $20,000 over five years.
The NAV Calculator requires inputs such as total fund assets, outstanding shares, and fund expenses to calculate the net asset value per share. This value is then compared to historical data and peer funds to assess performance and identify potential for improvement.
$20,000 increase in net asset value over 5 years by switching to lower-cost funds
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