Is 2019 the year to review your investment fees and charges?

Managing investments takes time and money and you must expect to pay sensible fees. But high charges can seriously affect your nest egg’s growth potential. To see how much look at the example below:

Initial investment = £250,000 Nest egg A Nest egg B
Annual return before charges 5.0% 5.0%
Annual charges 1.3% 2.6%
Nominal value in 25 years £620,024.60 £452,312.85

The nominal value is the value of an investment before adjusting for inflation.

Obviously, your hope is that a fund that charges higher fees is doing so for the reason that it’s confident that it will out-perform, but then again there’s no real evidence that any fund or fund manager can consistently deliver superior performance.

Here at Charters Private Wealth, we minimise your fees and charges by recommending investments that exhibit exceptional value for money. This maximises your potential returns and leaves more money/income with you and your family, rather than the investment or fund manager.

We believe you should know precisely how much you’re paying and satisfy yourself that it’s good value for the investment performance and financial planning service you receive.

If you’re in any doubt over what you’re paying, why not watch our video to learn more?

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

If you have any questions around this topic, please feel free to get in touch with us directly on 01789 263888 or email