{"id":30326,"date":"2024-05-20T16:53:14","date_gmt":"2024-05-20T11:23:14","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=30326"},"modified":"2024-05-27T12:58:02","modified_gmt":"2024-05-27T07:28:02","slug":"what-is-total-expense-ratio-in-a-sip","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/","title":{"rendered":"What is Total Expense Ratio in a SIP?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Your mutual funds portfolio is a big decision. How many Systematic Investment Plans (SIP) should I have in my portfolio? Should I go for an actively managed SIP or index fund? What is the ideal percentage of my fund\u2019s expense ratio? Let\u2019s find out the TER of your SIP investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b><a href=\"https:\/\/kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/all\/invest-sip?source=blog\"><img loading=\"lazy\" class=\"alignnone wp-image-29759\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1024x256.png\" alt=\"Start SIP on Kuvera\" width=\"600\" height=\"150\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1024x256.png 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-300x75.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-768x192.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1536x384.png 1536w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-2048x512.png 2048w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-150x38.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/b><\/h4>\n<p>&nbsp;<\/p>\n<h4><b>What is a Total Expense Ratio?<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is the percentage of a fund\u2019s average net assets that is used to cover its operating expenses. Such expenses include management fees, administrative costs, marketing expenses and other operational costs to manage your mutual fund.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The expense ratio in mutual funds is deducted from that fund\u2019s returns before they are distributed. So if an SIP investment has a higher expense ratio, the net returns decrease. Net returns are the gross returns after deducting the Total Expense Ratio (TER). This lowers the profitability of a mutual funds investment. Thus, you as an investor must look for funds with lower expense ratios.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For example, if your SIP returns are 15% and the TER is 1.25%. So your net returns from this SIP would be 13.75%. Hence knowing about your fund\u2019s expense ratio is very essential.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Think of it like renting a flat. The flat you bought is your SIP investment. And the rental income is the returns you get. In this case, your TER is the maintenance charge that you pay for your flat.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>What should my SIP\u2019s Total Expense Ratio be?<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In India, the Securities Exchange Bank of India (SEBI) controls the mutual funds market. It hasn\u2019t set any limit on how much expense ratio can be charged but the TER must be within the prescribed limit. This limit has been specified for all Asset Management Companies (AMCs) under Regulation 52 of SEBI Mutual Fund Regulations. Here is the table:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"alignnone size-large wp-image-30327\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-1024x689.png\" alt=\"AMFI Prescribed Expense Ratio\" width=\"640\" height=\"431\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-1024x689.png 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-300x202.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-768x516.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-96x66.png 96w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM-150x101.png 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Screenshot-2024-05-20-at-12.54.31\u202fPM.png 1444w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds investment are allowed to levy an additional charge of up to 30 basis points (bps) if the fresh investments from retail investors originating from cities beyond the <\/span><a href=\"https:\/\/www.amfiindia.com\/distributor-corner\/circulars-and-announcements\/listoftop30cities\"><span style=\"font-weight: 400;\">top 30 (B30) cities<\/span><\/a><span style=\"font-weight: 400;\"> constitute at least;<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">30% of the total new inflows in the scheme, or\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">15% of the average Assets Under Management (AUM year to date) of the scheme, whichever is greater. This initiative aims to promote investments into mutual funds from tier-2 and tier-3 cities.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h4><b>Importance in Investment Returns<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The TER is as important as a SIP investment return. This is so as it decides the profitability of an investment in mutual funds. A lower TER means that a smaller percentage of your investment is being deducted to cover the operating expenses of the fund, leaving more of the returns to compound over time. Consequently, a higher TER can eat into your investment returns. This would reduce the amount of money you ultimately receive.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>How to calculate the Expense Ratio of a fund?<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To find the expense ratio of a fund, you have to divide the total annual operating expenses by the average fund assets.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say a mutual fund has an average fund assets of \u20b91,00,00,000 and its annual operating expenses are \u20b950,000. In this case, the expense ratio is 0.005 or 0.5%. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>What is the ideal Expense Ratio?<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There is no single ideal expense ratio that applies to all funds. However, a lower expense ratio is usually preferred. The best expense ratio depends on many factors including the type of fund, size of the fund, your investment goals, risk tolerance and industry sectors.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Actively managed funds typically have higher expense ratios than passively managed funds. It is due to the fees charged by fund managers who actively manage AUM. And passively managed funds like index funds have lower expense ratios as they simply track a specific benchmark index.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>What is know more about Index Funds? <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/others\/index-funds\/\">Click here<\/a>.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you invest in <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\">mutual funds<\/a> with bigger AUMs, it is more likely that the TER of that fund will be lower. Bigger AUMs have the benefit of economies of scale. They can spread their fixed costs over a larger asset base, resulting in lower fees per investor. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>Index funds have lower Expense Ratios<\/b><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Passively managed funds, i.e., index funds follow an index, such as S&amp;P 500. This ends the need for a team of analysts and portfolio managers to actively select and trade securities in <a href=\"https:\/\/kuvera.in\/stocks\/listing\/all\">stocks<\/a>. Hence, this results in lower management fees.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">So choosing index funds can be an easier form of investment with potentially higher returns and lower transaction costs. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h4>FAQs<\/h4>\n<p>&nbsp;<\/p>\n<p><b>What is a good total expense ratio for a mutual fund?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A Total Expense Ratio (TER) is a measure of the cost of owning a mutual fund. It includes all fees and expenses charged by the fund, including management fees, administration fees and other expenses. A good TER for a mutual fund generally depends on the type of fund and your investment goals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, a low TER for an index fund that tracks a broad market index may be appropriate, while a higher TER for an actively managed fund that seeks to outperform the market may be acceptable.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What is the base total expense ratio?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The base TER is a measure of how much of the premium paid on an investment is for covering the expenses of the investment. It is typically expressed as a percentage of the investment&#8217;s Net Asset Value (NAV).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What is a 0.3 expense ratio?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A 0.3 expense ratio means that an investor has paid out \u20b90.3 in expenses for every rupee invested in the portfolio. This refers to the total cost of running the investment fund, including management fees, administrative expenses and other operational costs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What is exit load?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Exit load is a term used to describe the cost of withdrawing funds from an investment before its maturity date. It is typically associated with mutual funds. If the investor tries to sell his\/her shares before the investment&#8217;s maturity, it may incur a penalty. Exit load is usually expressed as a percentage of the NAV of the fund and can vary depending on the fund&#8217;s terms and conditions.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>How much exit load is good?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The best exit load for a mutual fund is one that is as low as possible. However, mutual fund houses may charge an exit load to discourage short-term investments and promote long-term investing. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Who pays the expense ratio?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The expense ratio is paid by the investors in a mutual fund or Exchange-Traded Fund (ETF). This fee is deducted directly from the fund&#8217;s assets, so investors indirectly pay the expense ratio through their investment in the fund. The expense ratio covers the costs associated with managing and operating the fund.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Is TER included in NAV?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes, the TER is included in the NAV of mutual funds. TER is a measure of the fund&#8217;s expense structure, and it affects the fund&#8217;s NAV. NAV is calculated as the total value of the fund&#8217;s assets minus the total value of its liabilities, and it represents the price per share of the fund.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Does TER include GST?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">TER includes the Goods and Services Tax (GST). As money management is a service provided by the Asset Management Company (AMC), it comes under the purview of GST, and the expense ratio of mutual funds is inclusive of GST.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Does TER include commission?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes, the TER does include commissions. They include commission, stockbroker fees, securities transfer tax and annual advisor fees.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What kind of mutual funds have lower expense ratios?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Index Funds have lower expense ratios since they are not actively managed by portfolio managers. They simply follow a benchmark index. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><a href=\"https:\/\/www.kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/fixed-deposit?source=fd_blog_banner\"><img loading=\"lazy\" class=\"alignnone wp-image-29666 size-full\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/FD-Banner-9.4-03.png\" alt=\"FD Up to 9.40% on Kuvera\" width=\"600\" height=\"150\" \/><\/a><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Interested in how we think about the markets?<\/strong><\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/in-investing-the-simplest-things-are-the-hardest\/\">Zen And The Art Of Investing<\/a><\/p>\n<p><strong>Watch here:<\/strong> Understanding Index Funds | Expert Insights for Smart Investing<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/es380LK4g8Y?si=tztXbW9O9f6_eXm7\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<\/div>\n<div><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a>\u00a0to discover Direct Plans and\u00a0<a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and start investing today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Know why passive investing is the smarter choice for retirement planning. Highlighting the trend among millennials who aim for early retirement, we discuss how shifting from traditional savings to mutual funds, especially index funds, can really boost retirement savings. Index funds track benchmarks like the Nifty 50 and offer a low-cost, low-risk investment option. Warren Buffett&#8217;s endorsement of index funds underscores their reliability for achieving stable returns. The piece also touches on how passive funds, due to lower fees and broader market exposure, can outperform actively managed funds and beat inflation, making them ideal for securing a financially stable retirement. [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":32,"featured_media":30328,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[81,99,768],"tags":[392,2497,2498,625,250,83,12,1912,2029,856,2492,360,2496,2494,2493,226,2495,17],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Total Expense Ratio in a SIP?<\/title>\n<meta name=\"description\" content=\"Not knowing your expense ratio can be expensive. 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Click here to know more about the Total Expense Ratio (TER) of an SIP Investment.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/","og_locale":"en_US","og_type":"article","og_title":"What is Total Expense Ratio in a SIP?","og_description":"Not knowing your expense ratio can be expensive. Click here to know more about the Total Expense Ratio (TER) of an SIP Investment.","og_url":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2024-05-20T11:23:14+00:00","article_modified_time":"2024-05-27T07:28:02+00:00","og_image":[{"width":2240,"height":1260,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/05\/Blog-banner-header-image-6.png","type":"image\/png"}],"author":"Divya Biswal","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Divya Biswal","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/"},"author":{"name":"Divya Biswal","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/939edbd66a6da027c43eadae91ea1b21"},"headline":"What is Total Expense Ratio in a SIP?","datePublished":"2024-05-20T11:23:14+00:00","dateModified":"2024-05-27T07:28:02+00:00","mainEntityOfPage":{"@id":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/"},"wordCount":1336,"commentCount":0,"publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"keywords":["best performing mutual funds","BSE 100","BSE 500","BSE Sensex","expense ratio","Index Funds","Investment","Mutual Fund Expense Ratio","Net assets value","nifty 100","Nifty 200","nifty 50","Nifty 500","Nifty Midcap 100","Nifty Midcap 150","Nifty Next 50","Nifty Smallcap 250","SIP"],"articleSection":["Index Funds","Investing 101","SIP"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/","url":"https:\/\/kuvera.in\/blog\/what-is-total-expense-ratio-in-a-sip\/","name":"What is Total Expense Ratio in a SIP?","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/#website"},"datePublished":"2024-05-20T11:23:14+00:00","dateModified":"2024-05-27T07:28:02+00:00","description":"Not knowing your expense ratio can be expensive. 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