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Pension Review

If you have recently had a pension statement that shows high fees and costs and relatively poor performance, then we can help you.  InvestwithQ offer a fixed fee service that will manage your pension investments.  This eliminates much of the high cost element in most circumstances.  Speak to us today to arrange a pension review, to see how much you could be saving in fees, and the effect this will have on the final pension value.

Fees are not just short term

Anything that affects the amount of investment capital in the short term will have amplified effects down the line.  In the illustration below, the effects of traditional commission on an investment's value can be clearly demonstrated.  Contact us to arrange a pension review in today, to maximise your pension's potential.


This graph shows a comparison in performance after all charges (of 3.1%) for an initial stake of £100,000 utilising a wealth management model common amongst 'IFAs' and bank owned wealth managers or, a 'Fund of Funds' Open Ended Investment Company (OEIC) or Unit Trust as promoted by the current leading online investment websites, as compared to a £100,000 Q portfolio with costs of 1.18% per year.

In both cases the portfolios are modelled with same average return from underlying investments of 7% per year,  the return forecast rate recommended by the FSA.  

For the traditional IFA solution, or Fund of Fund solution, there is an assumed annual fee deduction of 3.1% per year (more than 44% of the FSA forecast return rate!) comprising;

  1. a typical OEIC or Unit Trust total expense ratio (TER) of 1.75%p.a.
  2. Annual switching costs of 0.6% assuming a 30% turover of the portfolio and 2% initial fees on the unit trusts after initial commission discounts
  3. an IFA or manager fee of 1% p.a. 50% funded from the trail commission available from the fund managers
  4. a platform fee or Fund of Fund admin fee of 0.25% funded from trail commissions

Total annual fees = 3.1% (assuming a 0.7% "trail" commission)

For the Q solution the deductions are;

  1. The average TER of an ETF of 0.4% p.a.
  2. The Q fixed fee of £600 per year, which gets ever smaller in percentage terms as the fund grows.  
  3. £180 of dealing charges based on 18 trades at £10 a trade