Investments

Transfer Cost Comparison

Weighted fund/DFM charges and the total cost of a recommended solution, with apportionment and an existing-arrangement comparison.

Premium Free during early access

Policies being transferred in

Add each ceding policy (up to 4). Existing charges are the plan & asset cost, excluding ongoing advice (which migrates with the client).

Policy 1

Policy name / provider

Policy number

Type

Fund value

Transfer value

Amount actually transferring in.Existing charges (plan & asset)

Existing OAC

Migrates with the adviser — excluded from the comparison.

New money

Additional new investment alongside the transfers.One-off withdrawal

Lump sum taken at outset — ongoing charges apply to the value after this.

Total being invested£200,000

How it works

Work through four steps: (1) the ceding policies being transferred in — provider, plan number, fund and transfer values, with-profits status and the existing plan & asset charge; (2) the adviser charges (initial and ongoing); (3) the recommended funds, with each fund's allocation and fund/DFM charges; and (4) the cost comparison.

Ongoing charges are weighted by how much is held in each fund to give the blended cost of the solution. The existing-versus-recommended comparison looks at product charges only and excludes ongoing advice (it migrates with the client), so it is a like-for-like view of the underlying solution. Turn on apportionment to split the initial advice fee across the transferred-in policies pro-rata by value. All figures are shown to two decimal places.

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