Valutazione degli investimenti: I costi non sono un fattore secondario, anzi!!
Tutti gli investimenti sono accomunati dal fatto di far pagare agli investitori costi e commissioni di vario genere, talvolta articolati in modo abbastanza complesso.
Per fortuna, costi vari e commissioni sono sintetizzati in un unico indice onnicomprensivo: il TER (Total Expense Ratio), in pratica il totalone, che deve sempre essere presente sui prospetti informativi (che comprende anche spese di gestione varie).
COME CONFONTARE I COSTI DEGLI STRUMENTI DI INVESTIMENTO?
C’è un motivo se diamo peso al TER: influenza pesantemente il risultato degli investimenti.
Per esempio, considerate un investimento di 20.000 euro che dura 5 anni e che produce un rendimento medio del 5% all’anno. Nella tabella riportata di seguito trovate il costo, dell’investimento.
TER Costo commissionale totale in 5 anni
0.25% 317
0.50% 632
1.00% 1.251
2.00% 2.452
3.00% 3.606
Balza subito agli occhi che se il TER è basso (es. 0,25-0,50% all’anno) il costo è contenuto, se invece il TER è alto (es. 2-3%) allora evaporano 2.500-3.500 euro dei 20.000 inizialmente investiti.
Non è poco! E questo con certezza.
IL COSTO NON E’ UN FATTORE SECONDARIO!
Le differenze di TER non sono bruscolini: ad esempio, se immaginiamo un investimento di 20.000 euro in Azioni Paesi Emergenti, nel caso dei fondi a più basso costo o degli ETF, le commissioni annue ammontano a poco più di 200 euro, mentre nel caso dei fondi più cari siamo sui 1,500 euro circa all’anno. Ballano 1.200 euro abbondanti all’anno! E, tra l’altro, sia i fondi meno cari sia gli ETF hanno avuto performance migliori dei fondi più costosi (ma questo potrebbe essere un caso).
CONSIGLIO: LEGGERE ATTENTAMENTE IL PROSPETTO INFORMATIVO
Pagare di più (in alcuni casi molto di più) non offre migliori prospettive di performance, che rimangono incerte per definizione.
L’unica cosa garantita è un rendimento inferiore per effetto dei maggiori costi.
Quindi, prima di investire, leggete bene i prospetti informativi e andate a controllarne i costi: con un minimo di attenzione migliorerete, sensibilmente, la performance del vostro portafoglio.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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