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Fees explained in more detail

'All inclusive’ and 'Investment fees’

All inclusive

When you see this, it means that the cost displayed is calculated based on the fee for holding an account, plus the fee for the investments you hold in that account.

+investment fees

When you see this, it means that the cost displayed is calculated based on the fee for holding your account only. You’ll also pay an additional fee for the funds or shares you choose to hold in that account, which needs to be calculated separately.

Why do we do this?

Some providers (normally called ‘platforms’) give you lots of choice about what funds or shares you want to hold in your account. They normally cost between 0.25%-0.75% (£25-£75 per £10,000 you invest) but they can vary a lot. So we only show the cost of the account, and you’ll need to work out the cost of the investment fees on top depending on what funds or shares you choose to invest in. Other providers (normally called ‘robos’ or ‘readymade’) offer less choice and you’ll invest from one of their choice of pre-determined portfolios. We can use the cost of these portfolios to show you an ‘all inclusive’ fee.

If you are feeling brave and want to really deep dive into the assumptions across all the provider charging structures, you visit our Calculator Assumptions page.