Investment fees and charges
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.
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 charges||Percentage of lump sum / portfolio value||Typical cost of an investment of 10,000|
|Initial investment charge ||0.25%||£25|
|Ongoing investment charges ||0.75%||£75 |
|Underlying fund charges||0.18% ||£18 |
|TOTAL||0.25% initially. |
c.0.93% ongoing p.a.
|£25 initial |
£93 ongoing 
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.
|Wealth HorizonSimplified advice|
|Managed for you|
|Quick to set up|
|Minimum investment||None||£1,000 or £100/month||£50,000|
|Typical costs*||0.98% - 1.75%||0.93%||2.16% - 2.70%|
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!