What are my investments costing me?
Make fund expenses and account fees easier to understand.
Try this with your agent- What your agent needs
- Holdings plus current fee schedules, fund documents, or account statements.
- What you get back
- Verified costs, what is still unknown, and questions for your provider.
- When to use it
- A focused review when this question comes up.
Try it with your finances.
Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? Connect your agent first.
Help me understand the costs of my investments using holdings and transactions in Candor. Verify current fund expense ratios and identify account or advisory fees from source documents. Ask for missing statements or fee schedules rather than inventing costs. Avoid double-counting fund expenses as posted charges. Explain the costs and prepare questions or alternatives for discussion; do not change accounts or trade.
Nothing runs until you send the prompt to your agent.
Keep fund expenses separate from account charges
Some investment costs appear as transactions, while others are reflected within a fund. Your agent can use Candor's holdings and activity to identify what to investigate, then verify current fee schedules and fund documents. A missing fee transaction is not evidence that an investment has no cost.
Check the answer
- Ask for the source and effective date of each expense ratio, advisory fee, or account charge. Leave unavailable fees marked unknown.
- Check that fund expenses and posted charges are not counted twice. Label any cost estimate and its balance or time-period assumptions.
Choose a next step
Use the result to prepare questions for your provider or a professional. Comparing alternatives also needs account terms and personal context; this review does not change accounts or investments.
Keep exploring.
What do I actually own?
See concentration and overlapping investments across your accounts.
One-time or quarterlyWhere I standHow did this year go, and what's next?
Bring your money, life changes, and open questions together.
One-time reviewFull guideWhere I standWhat should come first?
Make sense of competing goals, debts, and things you want from life.
One-time or quarterlyAsk it with your own numbers.
Connect your accounts to Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.
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