Pension fees comparison calculator

AnswerIs42

Hi,

Is there a online calculator that will tell you which pension is better factoring in the different fee structures and fund performance?

For example, Irish life charge 2% contribution charge and have an AMC of 0.65% and the fund is up 8% YOY

Zurich have no contribution fee but an AMC of 1.4% and the fund is up 10% YOY.

If I'm making monthly contributions of €1k plus an AVC of €2k every now and then, which fund is the better option?

(Example fees and contributions are made up)

Thanks

Geuze

You could run your analysis in a spreadsheet.

It looks like Royal London offer good value.

Possible to get 0% contribution charge and 0.65% AMC, I think.

Henry Ford III

In making a decision on competing pension products charges will vary from provider to provider but there's a lot of other equally important considerations.

Talk to an independent Broker. They will do the legwork and provide best advise. They'll also identify and disclose any fee or commission payable.

2 things to always remember:-

1/. There's no such thing as a free lunch.

2/. The bitterness of low quality remains long after the sweetness of low price is forgotten.

Geuze

https://www.boards.ie/discussion/2058425642/pension-fees-comparison-calculator

Bear in mind that fees for the same pension can vary, depending on the broker.

The wholesale product is the same, but the retail price can vary, depending on what charging structure the broker selects.