Investment fees and charges

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When it comes to investing, we believe you should only pay for the services you need, not what you don't.

The upfront investment costs and ongoing investment management fees you pay can have a significant impact on returns. But understanding these investment fees and charges can be a minefield. They tend to vary greatly depending on the service and provider you choose and, while they should always be clear from the outset, this is often not the case. We think this is unfair and misleading.

value for money

Put simply, investing doesn’t need to be complicated and understanding what you need to pay shouldn’t be either.

Our investment charges

At Wealth Horizon, we are very clear about our investment charges. In fact, as a company, we pride ourselves on the fact we provide low cost investment management and excellent value for money.

And that’s it. No additional dealing costs, no fees for receiving income payments and no charge to withdraw your money or change provider. We aim to make investing much simpler and better value for money than it is currently.

Investment chargesPercentage of lump sum / portfolio valueTypical cost of an investment of 10,000
Initial investment charge [1]0.25% £25
Ongoing investment charges [2][4]0.75% £75 [3]
Underlying fund charges0.18% [4] £18 [3]
TOTAL0.25% initially.
c.0.93% ongoing p.a.
£25 initial
£93 ongoing [3]
[1] Applies to initial and subsequent investments [2] Advice, administration and wealth management charges [3] These values may go up or down depending on the future value of your investment portfolio. [4] Please note, the exact investment management charges you pay will vary depending on the underlying investments in your portfolio. This figure reflects the average underlying fund charge our clients are currently paying (as at July 2015). Ongoing investment charges are based on the value of the portfolio at the time and applied monthly.
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Our easy to use, online service enables us to provide fully regulated investment advice for a proportion of the amount you would ordinarily pay a financial adviser. And don’t forget, you're not alone; you can speak to someone at any time.

How we compare

A ‘do-it-yourself’ investor is likely to pay a similar cost to Wealth Horizon. However, it’s important to remember that if you ‘do-it-yourself’, you don’t get regulated financial advice or on-going investment management.

If you choose to use a Financial Adviser or Wealth Manager to do it all for you, the chances are, you’ll be paying quite a lot more; around 2-3% a year when you allow for all the investment fees.

So, it’s important you understand all the investment management costs you are expected to pay and make sure you’re getting value for money.

DIYNo adviceWealth HorizonSimplified adviceFinancial AdviserFull advice
Personal advice
Ongoing support
Managed for you
Quick to set up
Minimum investmentNone£1,000 or £100/month£50,000
Typical costs*0.98% - 1.75%0.93%2.16% - 2.70%
*Typical costs are taken from research conducted by Numis Security as covered by The Telegraph on 15/11/2014
long term impact of investment fees graph
*Based on an annual 7% growth rate over the period, comparing an overall 1% investment fee with Wealth Horizon and 3% with an alternative financial advice and investment provider.

Value for money

Just a small difference in investment costs can have a big impact over the long term. This could mean the difference between reaching your savings goals or not. If you invested £50,000 over a 10 year period, your savings pot could end up being worth over £15,000* less through the impact of fees. Over 20 years and the difference could be more than £50,000!



Investment risk: Investment in the stock market is not a suitable place for short term money and you may not get back what you put in. All investment carries risk and it is important you understand this, if you are in any doubt about whether an investment is suitable for you, please contact us. Investment in the stock market and any income derived from it, may go down as well as up.

Wealth Horizon certainly lives up to its promise of making investment simple to understand

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