Compare 10-year costs.
Documented fee schedules for Ponticello Sampled Indexing ($250/yr flat), Ponticello Full Replication ($5,000/yr flat), Wealthfront, Parametric, and Schwab Intelligent Portfolios Premium, on a $500k starting portfolio at a 10-year horizon. These are research-backed fee schedules, not live broker data.
Headline numbers · 10 years, $500k starting
Five vendors, ten years, one headline.
The headline cards below collapse ten years into three numbers per vendor — ending portfolio value, cumulative fees paid, and the dollar drag vs a fee-free 10% baseline.
Year-by-year portfolio value
Where the drag compounds.
End-of-year portfolio value under each vendor's fee schedule, year 0 (the starting NAV) through year 10. Numbers less than the gross baseline are highlighted in red. Scroll horizontally on narrow viewports.
Projection — 10 years, fees paid at year-end
Where these numbers come from
Published rate cards, not live broker reads.
Each fee schedule on this page is pulled from a documented, published rate card — not a current API quote. The page is intentionally self-contained: this is what the incumbents were charging at compile time, with publication source noted inline.
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Ponticello · Sampled Indexing — $250/yr flat
Copied verbatim from the pricing-tiers entry in the FAQ: the $250 floor below which transaction costs and lot-rounding start to dominate a stratified-sample rebalance. The $250 is the smallest book on which a partial-harvest sampled run still pays for itself.
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Ponticello · Full Replication — $5,000/yr flat
Same source. $5,000 is the floor above which fractional-share position sizes across all 500 constituents are large enough that every loss harvested is wider than the friction of selling and rebuying it.
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Wealthfront — 0.25% AUM advisory
Wealthfront's published advisory fee for Managed Portfolios, lowered to 0.25% in March 2024. Accounts under $50k are 0%, but this comparison is run on a $500k starting portfolio, well above that threshold, so the documented 0.25% rate applies for the entire 10-year horizon.
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Parametric · Custom Direct Indexing — 0.30% AUM
Parametric Portfolio Associates publishes a 0.20%–0.50% AUM range for institutional-size Custom Direct Indexing mandates; 0.30% is the interior central-estimate midpoint used for this comparison.
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Schwab · Intelligent Portfolios Premium — $30/mo flat ($360/yr)
Schwab's published rate for Intelligent Portfolios Premium is $30/month ($360/year) flat, on top of underlying ETF-internal expense ratios which apply equivalently to every vendor on this page and are therefore omitted to keep the comparison on the headline advisory-fee line.
The headline isn't the whole story
Fees are one of the three tapes.
After-tax drag and broker-reconciliation friction are the other two — the dual-tax-trap calculator handles the first, and the waitlist intake screens for the second. The fee page is the headline; the rest is in the conversation.