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!
Here is a graph showing the difference between reduced initial fees and the full commission on identical performance – £7,000 in 5 years!