Many are unaware of the true cost of their private bank. While you might see a standard 2% advisory fee on your statements, an entire 'Extraction Engine' of hidden charges is likely operating below the surface.
Custody fees, platform administration costs, underlying fund charges, and foreign exchange spreads can easily push your total real cost to 4% or 5% per year. Over a decade, this 'Wealth Drag' can consume massive amounts of your potential growth.
Wealth Drag is the silent, compounding erosion of your capital caused by the "Extraction Engine" of traditional private banking. While a 2% or 3% difference in fees might seem insignificant in a single year, these costs act as a permanent anchor on your portfolio's performance.
When your total real costs reach 4% or 5%, the bank is effectively taking more than half of your expected annual growth. This prevents your wealth from reaching the "escape velocity" required for true long-term preservation. This calculator is designed to expose that drag by looking past the marketing jargon and revealing the cold, hard numbers of your investment inefficiency.
By inputting your current portfolio value and stated fees, our engine applies industry-standard data to reveal the "Fee Iceberg" lurking beneath the surface:
Custody & Platform Fees: Charges simply for the privilege of holding your assets.
Fund Transaction Costs: Internal layers of fees often hidden deep within complex fund-of-funds structures.
The FX "Silent Killer": The significant percentage lost every time you move capital between currencies.
Use our hidden bank fees calculator below to reveal the mathematical reality of your current setup.
Disclaimer: Calculations are for illustrative purposes only and do not constitute formal financial advice. To provide a realistic estimate of 'Wealth Drag', our engine applies an industry-standard 2% assumption for underlying costs, which typically includes internal fund management fees (TER), platform custody charges, and undisclosed transaction costs found in private bank portfolios. A 1% FX penalty is also applied where currency conversion is required. For a precise audit of your actual statements, please contact the Three Sixty Financial team.