Fund Fees (OCF/TER)
Understanding what a fund actually costs to hold, beyond the headline percentage.
The Ongoing Charges Figure (OCF): How a 1% Fee Can Cost You Thousands in Retirement
How a fund's Ongoing Charges Figure compounds over decades and what it means for retirement savings.
Read guide →Tracking Error: Why Your Index Fund Isn't Perfectly Matching the Market
What tracking error is, why index funds don't perfectly replicate their benchmark, and how much it should matter.
Read guide →OCF vs TER vs AMC: Decoding the Alphabet Soup of Fund Charges
Clearing up the difference between OCF, TER, and AMC, the three most common UK fund charge figures.
Read guide →Platform Fee Plus Fund Fee: Calculating Your True All-In Investment Cost
How to add up platform charges and fund charges to find the real total cost of investing.
Read guide →Why Cheaper Isn't Always Better: When a Higher-Fee Active Fund Might Be Worth It
The circumstances where a higher-cost active fund could still be a reasonable choice over a cheap tracker.
Read guide →Transaction Costs and Stamp Duty: The Charges That Don't Appear in the OCF
The dealing costs, stamp duty, and transaction charges that sit outside a fund's headline OCF.
Read guide →Fee Drag Over 30 Years: Modelling the Real Cost of Fees on a £100,000 Portfolio
A worked example modelling how different fee levels affect a £100,000 portfolio compounded over 30 years.
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