{
    "id": "ETF-005",
    "category": "ETF",
    "title": "ETF 費用差距計算器",
    "question": "持有相近 ETF 多年，費用差異會累積多少？",
    "chart": "line",
    "metric": "情境累積資產（基準幣）",
    "secondary": "情境累計費用差額（基準幣）",
    "x": "持有年數",
    "y": "情境累積資產（基準幣）",
    "panels": [
        "各費率資產曲線",
        "累積費用差",
        "假設及敏感度"
    ],
    "filters": [
        "基金類型",
        "比較基準",
        "自訂設定"
    ],
    "apis": [
        "FUND",
        "USER"
    ],
    "calculation": "按用戶本金、投入、統一假設毛回報與各基金最新費用率逐年複利，另列不含費用情境。",
    "caveat": "這是共同毛回報假設；不用歷史淨回報再次扣費；費用率可能改變。",
    "data_class": "用戶資料",
    "complexity": "低",
    "audience": "大眾",
    "reach": 8,
    "frequency": 6,
    "decision": 8,
    "clarity": 10,
    "sample_labels": [
        "第 1 年",
        "第 3 年",
        "第 5 年",
        "第 10 年"
    ],
    "cadence": "每交易日收市後",
    "sample_note": "僅用於合成視覺示意，並非真實行情或投資成果。",
    "category_name": "ETF與基金",
    "score": 76.0,
    "requires_user_input": true,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/stock-etfs-fundamental-data-feeds"
    ],
    "rank": 408,
    "stage": "P2",
    "svg_file": "mockups/0408-ETF-005.svg",
    "demo_fingerprint": "47863b355a93f60e",
    "collection": "catalogue",
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}