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| you also need to add the platform/wrapper fees which you are of course avoiding to do in your calculations. | |
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What are these costs that you are referring to? At IB custody is 0. Yes there is a minimum fee of like 10.- IIRC if you have very small assets.
In your language apples to apples is:
1. Jump from Cash account to Investment account (comes with risk, however much handholding the 1% platform does)
2. Jump from Investment account with high cost to Investment account with low cost
You are stopping at 1, Glinaa is talking about 2.