It's a big deal because the numbers will (hopefully) get large quickly. A $3M account that pays an extra 0.1% per year is dinged for $3,000 a year, every year.

It's a big deal because the numbers will (hopefully) get large quickly. A $3M account that pays an extra 0.1% per year is dinged for $3,000 a year, every year. The cumulative compounded effect over 20 years is north of $75K.