Module 5
Global investing carries costs beyond what's shown on any statement, hidden in your exchange rate, layered inside a fund, or absorbed by a platform recovering its "zero fee." This module teaches you to spot every hidden cost and add them into one honest number, because the route that looks cheapest on paper often isn't the cheapest for how you actually invest.
Chapter 1
Of all the costs of investing abroad, this is the largest, the most frequent, and the one you're least likely to ever see. This chapter breaks down the currency markup, the gap between the real exchange rate and the one you're actually given, and why it quietly costs more than any fee you'll ever notice.
Chapter 2
The expense ratio is deducted quietly from inside a fund, so you never see a charge, but it compounds every year on your full balance. This chapter goes past the definition into the two things that actually determine your real fund cost: how much a small annual percentage compounds over decades, and how Fund of Funds structures can hide a second layer of fees.
Chapter 3
Every platform earns somewhere. This chapter teaches you to find where, by decoding what "zero brokerage" really means, and giving you a four-question method to read any fee schedule and spot where the real cost is hiding.
Chapter 4
Beyond the currency markup, moving money across borders carries its own separate charges, wire fees, GST, correspondent bank deductions, and, critically, the cost of bringing money home, which most investors never think about until they need to.
Chapter 5
Nobody thinks about the cost of leaving a platform until they want to. This chapter covers ACATS, the US system that lets you move your holdings in-kind without selling, and explains why portability itself is a hidden cost worth weighing before you ever commit to a route.
Chapter 6
Every cost in this module gets stacked together here, because that's how they actually reach you. This closing chapter proves, with real numbers, that no single route is cheapest, a lump-sum investor and a SIP investor get opposite answers to "which route costs less."
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