The three fees quietly eating your brokerage returns that the FIRE threads never mention

Everyone here optimises expense ratios to the third decimal and then loses more than that to fees they never look at. Three that come up again and again. One. Custody or platform fees on foreign holdings. If you're outside the US holding US listed ETFs through a local broker, many charge an annual custody fee just for the privilege, typically 0.2 to 0.4 percent. Two. FX spread on every conversion. This is a fee wearing a costume. Every time you convert local currency to USD to invest, or convert

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