Fee Schedule & Pricing

1. Account Fees

Account Type	Monthly Fee	Annual Fee	Minimum Balance
Standard Account	$0	$0	$0
Premium Account	$9.99	$99.99	$10,000
High-Net-Worth Account	Contact for pricing	Negotiable	$100,000+

Premium Account Benefits: Priority support, advanced research tools, commission-free trading

2. Trading Fees

Product Type	Fee	Notes
Stocks (US)	$0	Commission-free
ETFs (US)	$0	Commission-free
Bonds	$10 - $25	Varies by bond type
International Stocks	$0 - $20	Depends on exchange
Options (where available)	$0.65 per contract	Plus regulatory fees

Example: Stock Trade

Buy 100 shares of ABC Corp at $50/share
Trade Cost: $5,000
Commission: $0
SEC Fee: ~$1
Total Cost: $5,001

3. Fund Expense Ratios (Annual)

Fund Type	Typical ER	Our Range
Broad Market Index ETF	0.03% - 0.10%	0.03% - 0.08%
Sector ETF	0.08% - 0.20%	0.08% - 0.15%
International ETF	0.10% - 0.30%	0.10% - 0.25%
Bond ETF	0.03% - 0.10%	0.03% - 0.08%
Actively Managed Fund	0.50% - 2.00%	0.50% - 1.50%
Cryptocurrency ETF	0.20% - 0.50%	0.24% - 0.40%

Example: Fund Expense Impact

Investment: $10,000 in S&P 500 ETF with 0.03% ER
Annual Cost: $10,000 × 0.03% = $3
Over 30 years (at 10% annual return):
With 0.03% ER: $174,494
With 0.50% ER: $170,863
Difference: $3,631

4. Deposit & Withdrawal Fees

Method	Deposit Fee	Withdrawal Fee	Processing Time
ACH Bank Transfer (US)	$0	$0	1-3 business days
Wire Transfer	$0	$25	Same day - 1 day
Check Deposit	$0	N/A	5-7 business days
Crypto Transfer	$0	$10 - $50	Minutes - hours
International Wire	Actual costs passed through	$50 - $150	3-5 business days

5. Margin & Lending Fees

Service	Fee/Rate	Notes
Margin Interest (if available)	Prime + 1.5% - 3%	Daily interest charged
Short Stock Borrow Fee	0.50% - 5% annually	Depends on availability
Options Assignment Fee	$0	No fee

Example: Margin Interest

Margin Loan: $5,000
Margin Rate: Prime (7%) + 2% = 9% annually
Daily Interest Cost: $5,000 × 9% ÷ 365 = $1.23/day
Monthly Cost: ~$37
Annual Cost: ~$450

6. Special Fees

Service	Fee
Account Closure (early)	$0
Duplicate Statement	$5
Tax Form (Form 1099)	$0 (free, electronic)
Paper Statements	$0
Forced Liquidation	Actual costs
Legal/Regulatory Request	Actual costs

7. Hidden & Indirect Costs

Bid-Ask Spread

When you buy/sell, the market may charge a spread (difference between buy and sell prices). This is not a direct fee but costs you money.

Liquid stocks: 0.01% - 0.05% spread
Less liquid stocks: 0.1% - 1% spread
Bonds: 0.5% - 2% spread

Currency Conversion Fees

International investments may involve currency conversion:

Direct: 0.5% - 2% per conversion
Embedded in fund: Included in ER

Tax Drag

Not a direct fee, but taxes reduce returns:

Short-term capital gains: Taxed as ordinary income (up to 37%)
Long-term capital gains: Lower rates (0%, 15%, or 20%)
Dividends: 15% - 37% depending on type
Interest Income: Taxed as ordinary income

8. Premium/Tier Benefits

Feature	Standard	Premium
Commission-Free Trading	✓	✓
Research Tools	Basic	Advanced
Priority Support	Email only	Phone + Email
Cashback	None	0.10% - 0.25%
Account Fee Waiver	N/A	Yes

9. Fee Transparency & Disclosure

Where We Show Fees

Before Trading: Fees shown in order preview
Statements: All fees itemized monthly
Dashboard: Year-to-date fees displayed
Fund Details: Expense ratios clearly marked

Fee Comparison Tool

Use our fee calculator to compare costs across different products and strategies before investing.

10. Regulatory Fees (Passed Through)

Some fees are set by regulators and passed directly to customers:

SEC Trading Fees: ~0.00051% per sell trade
FINRA Fees: Variable, typically <0.01%
Exchange Fees: Typically <0.01%

11. Total Cost of Ownership Calculation

Example: $50,000 Diversified Portfolio

Setup Costs:
Trading Commission: $0
Account Opening: $0

Annual Ongoing Costs:
Account Fee: $0 (Standard account)
Fund Expense Ratios (avg 0.15%): $75
Bid-Ask Spreads (avg 0.05% at rebalance): $25
Margin Interest (if used): $0
Total First Year: $100
Percentage: 0.20% of assets

12. Fee Changes & Notices

If we change fees:

You'll receive 30 days' notice via email
Changes appear on your account page
Continued use = acceptance of new fees
You may close account before change takes effect (no penalty)

13. Questions About Fees?

Email: pricing@investhub.example.com
Phone: +1-555-0100
Our fee comparison tool is available on the platform dashboard.