Many forecasters believe that future returns will be lower than the recent experience. See here for an example

In such an environment managing pension costs becomes even more important. We have seen leading pension providers recommending solutions with cost structures in excess of 2% per annum!

Let’s re look at the affect different charges would have on your retirement fund


  • Current fund of €500,000,
  • €2,000 per month pension contributions
  • Retire in 15 years’ time.
  • 4% gross return before charges

As this graph demonstrates a difference in charges can have a significant impact on your retirement fund.


For those with pension assets in excess of €250,000, Impartial, at no expense to yourself, provides a cost audit on current pension or investment cost structures. Relative and absolute Risk/Return analysis is also provided.