Comparisons

Published comparisons

• 1% vs 0.2% Investment Fees: How Much Difference Can It Make?

  What happens in an illustrative model when two otherwise identical investment paths differ only in the annual percentage fee?

  One controlled scenario, run twice at 1.00% and at 0.20% annual fees, with the contributions, horizon and assumed gross return held identical. Reports the difference in modelled ending value and the extra gross return the higher-fee path would need to close it.

• Recovery Across Drawdown Depths: The Gain Required and the Time It Takes

  How much harder does recovery become as a loss gets deeper, and how long does each depth take at a stated constant return?

  A finite reference set of seven drawdown depths against three assumed constant annual returns, showing the gain each depth requires and how long returns alone would take to regain the old balance. Reference figures rather than a calculation on your own loss.

• Starting Now vs Starting in Five Years: What the Delay Costs

  If the same monthly plan begins five years later but ends on the same date, how large is the difference, and how much of it is money never paid in rather than growth never earned?

  One monthly plan run to one end date from two start dates, with the contribution, the assumed return and the timing held identical. Reports the ending-value difference and splits it into the contributions the later start never made and the growth those years would have produced.

• Flat Fee vs Percentage Fee: Where the Cheaper Structure Changes

  At what portfolio value does a flat annual fee cost less than a percentage-based annual fee, and how does the ordering change on either side of that value?

  One flat annual charge held against one annual percentage rate across a ladder of portfolio values, reporting the value at which the two cost the same and how the ordering reverses above and below it. Annual quoted cost, with no horizon and no assumed return.

• Rental Break-even Across Cost Burdens: The Occupancy Required and the Vacancy It Leaves

  As a rental’s fixed costs rise as a share of its scheduled rent, what occupancy does break-even require, how much vacancy is left before cash flow reaches zero, and where does full occupancy stop being enough?

  A finite reference set of seven cost burdens against three stated management-fee rates, showing the break-even occupancy each combination requires and the vacancy weeks it leaves — and the burden above which no occupancy reaches break-even at all. Ratios rather than currency, and no calculation on your own figures.

• Emergency Buffer Runway Across Income Coverage: How Far a Buffer Stretches, and Where It Stops Depleting

  As income during a disruption covers more of the essential outgoings it has to meet, how much longer does a buffer of a given size last — and at what point does the reserve stop being drawn down at all?

  A finite reference set of five buffer multiples against seven income-coverage ratios, showing the runway each combination produces and the factor by which coverage stretches any buffer — and the point at which the model reports no month count at all. Ratios rather than currency, and no calculation on your own figures.

• Ownership Share Across Token Growth and Supply Growth: Where a Share Holds Level, and Where Subtraction Misstates It

  Across combinations of fee-adjusted token growth and total token-supply growth over the same period, how does a relative ownership share actually change, where does it hold level, and when does subtracting one rate from the other misstate or mis-rank the result?

  A finite reference set of five fee-adjusted token growths against six total-supply growths over one horizon, showing the relative supply-share change each combination produces, the combinations that leave a share unchanged, and the exact factor by which subtracting the two rates misstates the answer — including a pair of scenarios the subtraction ranks the wrong way round. Model outputs in percentages, with no token, provider or rate named.

• Mortgage Principal and Interest Crossover Across Rates: How Far Before the End It Happens, and When It Happens at All

  How far before the end of a fixed-rate mortgage does the principal portion of each payment overtake the interest portion, and how does the interest rate move that point?

  A finite reference set of seven nominal annual rates, showing how many payments before the end of the loan the principal portion of a payment first exceeds the interest portion, and the shortest term at which that crossing happens inside the loan at all. The distance is set by the rate alone and not by the amount borrowed or the length of the loan. Model outputs on a doubling rate ladder, with no rate described as current, typical or available.

• Equity Wipeout Across Loan-to-Value: The Price Fall That Removes a Deposit, and Where a Maintenance Level Arrives First

  How far must the price of a leveraged asset fall before the equity in it is gone, how much of a deposit does each point of that fall remove, and at what fall does the equity ratio instead reach a stated maintenance level?

  A finite reference set of seven loan-to-value levels against three stated maintenance-equity levels, showing the price fall that removes the equity entirely, the share of a deposit each point of fall removes, and the fall at which the equity ratio reaches each stated level — including the levels a position is already below before the price moves. Ratios rather than currency, and no probability, forecast or venue rule anywhere.

• The Cost of a Lower Payment Across Deferred Principal: What Leaving Part of the Advance Outstanding Removes From the Monthly Figure, and Adds to the Total

  When an agreement lowers the monthly payment by leaving part of the advance outstanding at the end, how much of the payment does it remove, how much does it add to the total, and what does each unit of that payment relief cost?

  A finite reference set of seven stated deferred shares at one stated term and rate, showing what the payment becomes, what the total becomes and how much of that total exists only because principal was deferred — beside a second set of seven terms against three rates giving what each unit of monthly payment relief costs. Shares of the amount borrowed rather than currency, and no product, lender or market anywhere.

• Settlement Share Across Underinsurance: What a Shortfall in Cover Costs on Every Claim, Not Only a Total Loss

  If the sum insured is less than the value at risk, what share of a claim is actually paid — and does the answer depend on how large the loss is?

  A finite reference set of six insured ratios against five loss sizes, showing what a proportional condition of average pays and what the holder bears at each — and the finding that the share paid is the same for a small claim as for a total loss. Ratios rather than currency, with no insurer, policy, premium or probability anywhere in it.

• Rolled-Up Debt and Remaining Equity: How Long Before the Balance Doubles, and What Is Left of the House

  When interest is added to a balance that is never repaid, how many years does it take to double — and how much of the property is still the holder’s when it has?

  A finite reference set across five roll-up rates, five horizons, six opening shares and five growth factors: the years a balance takes to double, what it becomes as a multiple of itself, the share of the property left at each stage, and the year in which there is none. Shares rather than currency, because not one of those quantities contains the amount borrowed.

• Retained Interest Across Credited Rates: How Much of What Your Cash Earns Never Reaches You

  When uninvested cash earns one rate where it is held and is credited another, what share of the interest does the holder never receive — and what is that worth as an ordinary annual charge?

  A finite reference set of four earned rates against five credited rates, reporting the share of the interest retained, the share credited, and the same retention restated as an annual charge on the cash balance. Ratios rather than currency, with no broker, bank, product or market rate anywhere in it.