Fees

/frais adds up the cost of owning your portfolio: the fees already recorded on your lines and operations, the ongoing charges your funds take every year, and whatever your bank or broker bills on top. The headline is a twenty-year projection at the average ongoing charge of what you hold.

This screen has no Save button, anywhere

Every box on this page saves when you leave it: click elsewhere, press Tab, or press Enter. Nothing confirms it: no button, no toast, no highlight. A reader who types a figure and then hunts for Save will find nothing and assume the entry was lost. It was not.

Emptying a box clears the figure, which puts the row back to saying nothing was entered.

What is counted without you

Fees paid is every fee already on file: amounts typed on a line, plus the brokerage and taxes carried by your operations. The % of invested portfolio beside it divides that total by today’s invested value. It is a cumulative figure over a single day’s value, not an annual rate.

Fees paid per year draws the dated ones only. A fee typed on a line is a cumulative amount with no date, so it counts in the total and in no bar; when the two disagree, the card says why underneath.

The two tables you type into

Fund ongoing charges holds one editable box per fund line: its annual charge, as a percentage between 0 and 100. It is fetched on sync when the source publishes it, and entered by hand otherwise. A broad ETF is around 0.20 %. Annual cost beside it is that rate applied to the line’s value. The same figure is reachable from the line itself, under Correct, as Holdings describes.

Platform fees holds two boxes per account, Per year and Per operation, for every account you hold, closed ones included. The placeholder is a dash, and the fields stay empty until you type what your statement says: Badlen ships no rate card and guesses nothing. A comma works as a decimal point. The same two amounts sit on each account’s own Settings tab; this table is where you fill them all in one pass.

Only the per-year figure enters the twenty-year projection. The per-operation one is multiplied by the operations on file and shown as To date, and it deliberately enters neither the projection nor Fees paid, because your orders already record their own brokerage.

Why every account is listed

An account with nothing entered reads Not entered beside its name, and the footer counts them: “11 open accounts of 13 have no fees entered: these totals are a floor.” An account nobody has answered for has unknown fees, not no fees. Two empty boxes and a dash would otherwise read as an account that costs nothing.

If a figure comes back refused, the message says what shape is expected: a positive number with at most two decimals for a platform fee. An out-of-range ongoing charge is simply not saved, and the box keeps what you typed.