Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I'm happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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  1. If you think a difference of just 3.5% per year over time isn't a big deal, then check out what that difference could do to this account over time.

    If Harry's $260,000 made 5% per year for 20 years, he would have 689,857.40

    And if his $260,000 made 8.5% per year for 20 years, he would have 1,329,131.99

    People ignoring the effects of fees can significantly short-change their retirement portfolios over time.

    If you have questions or comments, please leave them here. I'll do my best to answer any questions you might have.