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Tax Efficient Investing Calculator

3 Obstacles to Building Wealth

  • Taxation

  • Fees

  • Lack of Diversification

Fees, tax inefficiencies and lack of portfolio diversification can cut your portfolio returns by several percentage points per year.

 

When you add up these fees over many compounding years you could be looking at a significant amount of costs. Over a lifetime that could result in a loss of hundreds of thousands of dollars or more depending on the size of your portfolio.

We encourage every investor to use our calculator before investing to understand the taxable inefficiencies and your options.

When investing through the CalTier SDIRA program we cover your Self Directed Custodian costs if you keep a balance of $5,000 with CalTier.

*represents the annualized cumulative effect over the investment period

**assumes a 25% individual investing tax on gains each year

***assumes a minimum of three IRA investments

The calculator is using the following fees over 3 assets:

Account opening fee of $100

Asset fee per asset $350

Transaction fee per asset $100

Wire fee per asset $60

TOTAL $1470

The company has used information freely available online to provide suggested savings. You can see the same information here https://www.irafinancialgroup.com/learn-more/self-directed-ira/everything-about-ira-custodial-fees/

https://www.mtrustcompany.com/sites/default/files/forms/static/Self_Directed_IRA_Fee_Schedule.pdf?access=1643747418

https://www.nerdwallet.com/article/taxes/federal-income-tax-brackets

This online calculator is provided for illustrative purposes only, and the information obtained by using the online calculator is not, and should not be taken as, legal or financial advice to any person or company. Results may vary depending on the accuracy and comprehensiveness of the information you provide while using the online calculator. The online calculator is not substitute for consulting a qualified professional. As such, CalTier makes no representations and does not warrant, either expressly or by implication, that fees and savings generated by the online calculator accurately or comprehensively indicate the  fees owing or savings realized. CalTier accepts no liability for any losses or liabilities allegedly arising from the use of the online calculator by any person or company.