Independent Investment Health Checks
Do you know how much you're paying in pension and investment fees? An Investment Health Check can help you understand what you're paying, how your investments are performing and how fees could affect your savings over time.
- 30+ Years Experience
- Fully Independent
- No Fee If Nothing Found
- 24hr Turnaround
Why Choose Us?
It can be difficult to know whether you're getting good value from your pension and investments. You might know roughly how much you've saved, but have less idea of the fees you're paying or how much they add up over the years.
With more than 30 years' experience in the financial industry, our team takes a closer look at your investments, including the fees and charges you're paying.
We're independent and aren't tied to any financial institution.
Why do investment fees matter?
Small fees can add up
Even small differences in fees can add up over time.
See the impact over time
An extra 1% in annual fees can reduce your savings by a sixth over 15 years. To put a sixth into perspective, that's around £8,300 of a £50,000 pension pot or £16,700 of a £100,000 pot.
Understand what you're paying
Pension and investment fees aren't always easy to understand. You may be paying a range of charges without really knowing what they add up to or what you're getting in return.
Key Benefits of an Investment Health Check
Get a clearer picture
Understand where your money is invested, how it's performing and what you're paying.
Check your fees
See what you're paying in fees and whether any charges stand out.
Understand your results
Get clear findings in plain English, without the financial jargon.
Our Services
We take a closer look at your pension and investments to help you understand where your money is invested, what you're paying and how it has been performing.
What are you paying in fees?
We'll look at management fees, trading costs and other charges to give you a clearer picture of what you're paying.
How is your money invested?
We'll look at how your money is invested, including any funds, shares or bonds you hold, and explain what we find.
How have your investments performed?
We'll look at how your investments have performed and compare them with similar investments and the wider market, so you can get a better idea of whether they've been performing well or falling behind, helping you understand the level of risk you're taking with your money.
What have we found?
We'll bring everything together in your report and highlight anything we think you should be aware of. Our ratings are Green Light for good value, Amber Warning for issues to check with your adviser, and Red Flag for serious concerns requiring action.
How It Works
Getting your Investment Health Check is straightforward.
Tell us about your pension or investments
Fill in our secure online form and upload your pension or investment documents. We'll tell you what information we need and help you understand where you can find it. Your information is kept secure and confidential. If you'd rather not share personal information, you can also use our anonymised service.
Get your free initial assessment (free service)
We'll review the information you've provided for free and let you know if we've found anything that could be worth looking into further. There's no obligation to continue.
See the full picture (premium-paid service)
If you'd like to understand more, you can get a full Investment Health Check report for £480 (including VAT). It takes a detailed look at your fees, investments and performance, explaining what we've found in plain English and highlighting anything you may want to look at more closely.
Investment Savings Calculator
It can be difficult to picture what a percentage fee actually means for your money.
Use our calculator to explore how different levels of investment fees could affect savings over time.
Projection Parameters
Disclaimer: This calculator is for illustrative purposes only and does not constitute financial advice. Figures use historical US stock market returns (S&P 500) and assume annual fee compounding. Past performance is not indicative of future results.
Projected Portfolio Growth
Based on historical US stock market returns
Set your parameters and click
Calculate Savings
The Hidden Cost of Investment Fees
Could you be paying more than you need to?
Investment charges can be complicated and it isn't always obvious exactly what you're paying for.
That doesn't automatically mean a higher fee is poor value. What matters is understanding what you're paying and what you're getting for it.
An Investment Health Check can help give you a clearer picture. We'll look at things such as whether you're:
paying higher fees for relatively simple investments
paying premium fees for a fairly standard service
paying management fees for investments that largely follow the market
being charged fees that could include unnecessary VAT
Improve Your Savings by Reducing Fees
| Savings Pot Size | Yearly Savings (0.5%) | 10-Year Impact |
|---|---|---|
| £25,000 | £125 | £1,898 |
| £50,000 | £250 | £3,796 |
| £100,000 | £500 | £7,592 |
| £250,000 | 1,250 | £18,981 |
| £500,000 | £2,500 | £37,962 |
*Assumes 5% annual returns on investments. Savings calculated on a 0.5% annual fee reduction, compounded over 10 years.
How well do you really know your pension or investments?
You might know roughly how much you've saved, but that’s often only part of the picture. Do you know how much you're paying in fees, where your money is invested or how your investments have been performing?
Even a fraction of a percentage can represent hundreds of pounds as your pension grows, on a £100,000 pension, for example, 0.5% represents £500.
An Investment Health Check can help you understand what you've got, what you're paying and what our analysis has found, giving you a clearer picture of your pension and investments.