Cross-Border Fee Analyzer

Understand the hidden costs of investing across borders: management fees, dividend withholding tax, FX conversion, and custody charges.

Scenario

US Tax Regime

US-domiciled ETFs; 30% dividend withholding for non-treaty, 15% for China treaty countries

Est. Final Value
$216,489
Total All Costs
$12,200
Mgmt Fee Cost
$6,500
Div Tax Cost
$5,700

Cost Breakdown Visualization

ER
Div Tax
Gain
Management Fee (ER): $6,500
Dividend Withholding Tax: $5,700
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Effective Cost Analysis

Stated Annual Return
8.0%
Gross Blended Cost
1.2% /yr
ER + dividend tax drag
Effective Net Return
6.8% /yr
After all costs
Final After All Costs
$210,789

Key Takeaway

Investing in ASHR from US costs an estimated $12,200 over 20 years ($50,000 initial, 8% gross return). That's 1.2% per year in combined costs — management fees plus dividend tax drag. Cross-border investing adds real friction. Use the lowest-cost access channel available in your jurisdiction.

Simplified model. Does not include brokerage commissions, FX conversion spreads, custody fees, estate tax, or capital gains tax. Dividend yield assumed constant. Actual costs may be higher. Consult a tax advisor for your specific situation.