Herramienta de Costo de ETF vs. Fondo Mutuo
Key Financial Terms
Understand the essential concepts behind this calculator
12b-1 Fee
Hidden mutual fund fee (0.25-1% annually) for marketing and distribution. Comes out of your returns. Avoid funds with high 12b-1 fees.
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ETF (Exchange-Traded Fund)
A basket of stocks or bonds that trades like a single stock, offering instant diversification with low fees.
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Expense Ratio
The annual fee charged by mutual funds and ETFs, expressed as a percentage of your investment.
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Index Fund
A type of mutual fund or ETF that tracks a market index, providing broad market exposure with low costs.
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Preguntas Frecuentes
Preguntas comunes sobre Herramienta de Costo de ETF vs. Fondo Mutuo
La mayoría de los ETFs siguen índices amplios con gestión pasiva, lo que mantiene las tasas de gasto extremadamente bajas (a menudo 0.03%–0.10%). También evitan las tarifas de marketing 12b-1 y las comisiones de venta. Los fondos mutuos frecuentemente utilizan gestión activa, pagan por distribución, y pasan los costos de negociación a los accionistas, lo que eleva las tarifas continuas.
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Sources & References
Average Expense Ratios
As of 2024, the average actively managed mutual fund charges 0.66%, while the average ETF charges 0.16%—a 0.50% annual difference that compounds significantly over time.
Tax Efficiency Advantages
ETFs typically distribute 0-0.2% of assets as capital gains annually, while actively managed mutual funds average 1-5%, creating significant tax drag in taxable accounts.