{
  "checked": "2026-10-22",
  "kind": "educational TER approximation, not observed charges or projected investment returns",
  "isin": "IE00B5BMR087",
  "terAnnual": 0.0007,
  "monthlyCzk": 5000,
  "months": 12,
  "sourceUrls": [
    "https://www.ishares.com/uk/individual/en/products/253743/CSPX"
  ],
  "assumptions": [
    "12 equal months, purchases at beginning of each month, no asset-price or exchange-rate change.",
    "Ignore compounding of expense deductions; estimate based on average invested principal.",
    "TER is reflected in NAV, not charged as an additional Buy commission.",
    "Exclude market spread, currency conversion, taxes and all other account costs.",
    "Different invested duration does not establish that one schedule produces better returns."
  ],
  "formula": "lump=60000*0.0007; monthly=5000*(12+11+...+1)/12*0.0007",
  "totalCzk": 60000,
  "monthlyAverageCzk": 32500,
  "lumpTerCzk": 42,
  "monthlyTerCzk": 22.75
}