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Our Fees

OUR FEES

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:

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Flat Fee
An annual flat fee of £25, equivalent to £2.08 per month, is charged. This fee will not be applied if it would reduce the pension pot’s value to below £100.
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Annual Charge
0.4% of the value of pension, charged every year. This charge applies to all the funds selected.
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Transfer In
A transfer in fee of £25 will be deducted for each separate transfer received from another Defined Contribution pension scheme where the value of that individual transfer is less than £5,000 and you choose to proceed using our enhanced digital transfer process. The £5,000 threshold applies to each transfer individually.Before any such fee is incurred, you will be clearly informed of the charge within your Collegia personal account and will need to actively confirm your acceptance of the fee. The fee will only be deducted once the relevant transfer has been successfully completed.
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Transfer out
We charge a £25 transfer out fee for all the transfer out requests processed via Origo. You might incur also a pro-rata charge of the Flat Fee for the remaining portion of the year if you choose to close your account and transfer your pension to another provider.

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.
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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.
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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 service 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%.

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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 not an 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), Buxton Court, 3 West Way, Oxford, OX2 0JB. 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. Our Pension Scheme Registry (PSR) number is 12018421.
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