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:

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 Management Charge

0.11% of value of pension, charged every year.
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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.

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 compares our fees with competitors’ based on investing under the same conditions as in the scenarios above.