Investment Cost Comparison Calculator

In the investment cost comparison calculator below, enter the total investment costs of two different portfolios to see the potential long-term cost savings.

Why is it important to keep investment costs low?
Well, dollars saved can be used to provide scholarships for students studying to be pastors and teachers or provide additional resources for outreach ministries both nationally and within local congregations.

Wrap fees, investment advisory fees, mutual fund expense ratios—they all add up. And while they may not sound like much, over time these costs may surprise you. The investment cost comparison calculator makes it easy to compare the investment costs of two different investment options. When comparing costs, it is important to include all the various cost components.

Who makes the investment decisions for WELS Investment Funds?
The investment decisions for WELS Investment Funds are made by a nationally appointed volunteer board of directors comprised of WELS members with relevant backgrounds and skills. Much like you would have in your home congregation, only selected from a much larger pool of candidates.

To assist in managing the WELS Investment Funds, the Board of Directors has retained Vanguard Institutional Advisory Services as its investment consultant. As a co-fiduciary, the investment consultant is responsible for making investment recommendations to the board. Once the recommendation is approved, the investment consultant has the discretion to implement and oversee the investment recommendations. They are also responsible for the monitoring of the WELS Funds’ compliance with the investment policy statement.

Need more assistance?
Executive Director Jim Holm, CFP®, an employee of WELS, is available to meet with your ministry, either in person, by video conferencing, or by phone, to discuss the various investment options available through WELS. Our investor services specialist, Monica Peavy, is also available to guide you through the steps to open and maintain an investment account. To learn more, please e-mail us at

Helpful links
Annual Report
Latest Fund Fact Sheets
Investment Policy Statement
Audited Financial Statements

The Investment Costs of WELS Funds

WELS Fund NameWeighted Average Fund Expense RatioCurrent Operating ExpensesTotal Cost
WELS Endowment Fund0.14%0.18%0.32%
WELS Balanced Fund0.13%0.18%0.31%
WELS Equity Fund0.18%0.18%0.36%
WELS Income Fund0.06%0.18%0.24%

Investment Cost Comparison Calculator
See the table above for the investment costs of WELS Funds.