- Costs
-
0
0.67%
- Spread
-
0
0.06%
- FX markup
-
0
0.13%
- Average costs
-
0
0.29%
The costs shown in the table are based on an equal distribution of the BUX product mix: Zero orders, Limit orders, Market orders, EU & US Shares and FX markup. The costs shown in the table are for the whole investment period indicated above and do not include costs incurred when eventually selling the share. The cost of selling a share is dependent on the chosen order type, on the bid/ask spread on the price of the share at the moment of selling, as well as on the currency in which the share is denominated, on its exchange rate with the currency in which the user’s portfolio is denominated, and on the spread on that exchange rate at the time of selling. An estimate of these costs can be found at the top of this page.
Disclaimer
This calculator shows the cumulative effect of investing monthly and its return over time under a number of assumptions and inputs. Actual returns may differ substantially from those shown in the hypothesized scenarios. Returns on investments in company shares can be negative and the whole capital can be lost. Bid/Ask spreads are implicit, third party costs. As such, they are not deducted from your account in addition to the price you are paying for the stock. Their estimate is based on the average historical spread on the stocks we offer, calculated over the last 2 years.
When you buy, sell or receive dividends from US stocks, we need to convert the equivalent amount from EUR to USD or vice-versa for you. For this service, we apply an FX markup of 0.25% to the EUR/USD FX spot rate.
Positive
Average historical return + average historical std for EU and US stocks
Conservative
The conservative return for European stocks was calculated as the average historical return of all European stock exchanges on BUX Zero. The conservative return for US stocks was calculated as the historical annualized return of the S&P500.
Negative
The negative scenario is based on yearly negative yield of 0%
Assumptions
- No inflation correction
- Monthly investment at the beginning of the month
- End of retirement (death/life expectancy) is 95 years
- Costs calculated on most used BUX product mix