Cost of Waiting
Still researching the perfect ETF? Every month you wait has a real cost — and it's usually bigger than the difference between two good funds.
Plug in your planned monthly contribution and see what 1, 3, 6, or 12 months of procrastination costs over a 30-year horizon. I built this after realizing I'd spent more time comparing VEQT and XEQT than the MER gap would ever matter. Spoiler: starting now beats picking perfectly.
Waiting 6 months costs you $22.3K on a 30-year horizon
$584K
Start now
$562K
Wait 6 mo
Final value by start date
Comparison of portfolio value when starting now versus delaying. Now: $584K; 1mo: $580K; 3mo: $573K; 6mo: $562K; 12mo: $540K
| Scenario | Final value | Cost of waiting | % of portfolio |
|---|---|---|---|
| Start now | $584K | — | — |
| Wait 1 month | $580K | $3,767 | 0.6% |
| Wait 3 months | $573K | $11.2K | 1.9% |
| Wait 6 months | $562K | $22.3K | 3.8% |
| Wait 1 year | $540K | $43.8K | 7.5% |
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These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.