Fees that make sense

We believe in fair and transparent fees that help maximise your retirement pot, while also ensuring the best possible service.

Our fee structure is very transparent:

Contribution charge
A one-off charge of 1.7% on each new contribution to your account. This charge is not applied to pension transfers to Collegia.

Annual Management Charge
0.1% of value of pension, charged every year.

Fund Charge
An annual charge by the fund manager actively managing your pension – the standard one is 0.29% of the value of your pension.

Set-up, Transfer and Exit fees: £0
Collegia is free to set-up and transfer your different pensions to us. We also don’t charge you in case you decide to close your account and transfer your pension to another provider.

* 5% investment return assumed, this projection is not an indicator of future performance.

Pension pot
our fees vs 0.75% AMC

Our fees reduce the drag on performance of yearly fees. They were designed to match the retirement investing horizon.

Projection assumptions

Employee AE monthly contribution – £110
Employer AE monthly contribution – £66
Relief at Source Top Up – £28
Nominal Yearly Investment Return – 5%
Nominal Yearly Wage Growth – 2.5%

Fund – Collegia Sustainable Target Date Fund

This projection is not an indicator of future performance.

Total charges
our fees vs 0.75% AMC

Our fees were designed so that you can keep more of your retirement pot.

Projection assumptions

Employee AE monthly contribution – £110
Employer AE monthly contribution – £66
Relief at Source Top Up – £28
Nominal Yearly Investment Return – 5%
Nominal Yearly Wage Growth – 2.5%

Fund – Collegia Sustainable Target Date Fund

This projection is not an indicator of future performance.

Our fees are very competitive

Investment fees are notoriously difficult to understand. To simplify things, there is a measure called ongoing fees – how much on average the total fees charged represent of the value of your pension. We use Fee QuickCheck, the free and independent services that collects data from 100 investment managers to compare our fees.

The table below compares our fees with competitors’ based on investing £10,000 for 20 years at an average annual investment return of 5%.

By making an investment, your capital is at risk. The value of your Collegia Pension depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance.

The tax treatment of your Collegia Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.

Collegia is registered in England and Wales as Collegia Partners Limited (No. 11730266), 264 Banbury Road, Oxford OX2 7DY. We are authorised and regulated by the Financial Conduct Authority under registration number 922214. Collegia is a HMRC-registered pension scheme (PSTR 20004161RJ) and HMRC-authorised pension administrator (ID A2001642). The Collegia Pension also offers 100% FSCS protection.