Fund fees can wipe thousands off your investment – but there is rarely any need to pay full charges, and you can plan for much less. You can avoid high charges so easily by using EME. You can get advice if you want it, or you can conduct execution only with reduced costs. You choose!

Below are two examples showing the difference between reduced initial fees and the full commission on identical performance for £50,000 and £200,000 lump sum contributions over 2 years.

You will now know the difference when your salesman / adviser is trying to sell you the higher commission version! …and why you should come to us.

Example 1

£50,000 Lump sum invested in a Bond over 2 years

EME Option Surrender Value at 9% Growth = £53,059

Other IFA Surrender Value at 9% Growth = £50,102

Total benefit of EME to you = £2,957

Example 2

£200,000 Lump sum invested in a Bond over 2 years

EME Option Surrender Value at 9% Growth = £214,370

Other IFA Surrender Value at 9% Growth = £202,100

Total benefit of EME to you = £12,270

Regular fees (and the bid / offer spreads on funds which do NOT get included in illustrations) can wipe your investment out in the first few years– but there is rarely any need to pay full charges, and you can plan for much less. You can avoid high charges so easily by using EME. You can get advice if you want it, or you can conduct execution only with reduced costs. You choose!

Look at our examples of the extra return, that you can make from your savings with identical contributions (same assumed growth rate) between ourselves and an independent ‘salesman’.

The examples below are for £500 and £1,000 per month contributions.

The Salesman example is a typical ’25 Year Term’ and has a two year ‘Initial Period’ this means that all contributions made in the first two years will go towards the charges of the savings plan. So if your circumstances changed after 23 months and you wanted your money, you would get Nothing back! as all the money paid in has gone towards charges and commission to the “Life Company” and the ‘Salesman’. It is known as A ‘Contractual Plan’.

The EME example has ‘No Term’, this means that you are able to access your money at any time, as there is ‘No Initial Period’ it is known as A ‘Non-Contractual Plan’.

Example 2: £500 per month savings plan over 5 years

£30,000 invested over 5 years

EME Option Surrender Value at 9% Growth = £35,335

Salesman Option Surrender Value at 9% Growth = £22,190

Total benefit of EME to you = £13,145

Example 4: £1,000 per month savings plan over 5 years

£60,000 invested over 5 years

EME Option Surrender Value at 9% Growth = £70,236

Salesman Option Surrender Value at 9% Growth = £45,116

Total benefit of EME to you = £25,120