Comparisons

Comparisons

A comparison answers a "how much difference does it actually make" question. One scenario is run twice, one variable is changed, everything else is held identical, and the size of the gap is reported rather than asserted.

How UBWHY evaluates products

  • 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.

What a comparison is not

  • It is not a product review. Nothing is named, ranked, scored or recommended, and no verdict is reached.
  • It is not a forecast. The figures are outputs of a UBWHY calculation model applied to stated assumptions, and an assumed return is an assumption rather than an expectation.
  • It is not advice. A comparison prices one variable; whether the difference matters for any particular person is a judgement it cannot make.

For the mechanism behind a result, see the explainers. To run a scenario on your own figures, see the tools.