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"SJP is extremely expensive – 5% upfront costs are typical, 40% higher than you’d typically pay for the advice of an IFA"
Well, I'm gonna have a meeting with them in a week or so and will see what their fees work out at. I want an employee pension fund for my limited company but I also want a personal fund, a SIPP or whatever it is.
Could put a bit in the managed fund to see how it does vs say that vanguard thing as a personal pension. If they're shit though, they sting you if you leave before 6 years I think.
I don't like paying penalty rates but having something hopefully growing is better than nothing.
hippy
ChasnotRobert
In the long term, not many people agree.
Edit: assumed you meant "outperform the market". I agree with your comments on previous page about the dubious value in paying fund management fees.