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How to compute a funds TER?

Personal Finance & Money Asked on April 13, 2021

I’m getting started with investing and will be starting with ETFs. When searching for how to pick an ETF, a common term comes up: TER.

As I understand it, the formula is total fund cost divided by its total net assets. The latter is easy to find for a fund, but I am unsure how to derive the former.

Could somebody demonstrate how to arrive at this for say, SPY or SLYG?

I’m using Fidelity which has no commissions for these ETFs, so I am moving on to other metrics for determining which to invest in.

One Answer

The total expense ratio, or TER, is the number you want. This is defined as the fund's annual running costs. You usually can't calculate this yourself because you don't have all the variables (i.e. costs for management, infrastructure, compliance etc. - can greatly vary for the same underlying index across different funds/managers). This is exactly why the fund manager is obligated to tell you the TER of its funds in a document called KIID.

Answered by sudonym on April 13, 2021

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