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Oh noes. The MER includes incentive fees, which vary year-to-year based on performance. Ie, it makes no sense to deduct 6.97% from the years where the fund didn't do well because the fee would have been lower. Your point may still stand, since even their base fee isn't cheap, but this is lazy.

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That's the amount the fund reports for that period. It includes transaction costs as well as fees.

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Correct, but you've subtracted it from 4.61% which is the average over 10 years, not just that period.

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