Our investment charges
Invest with us and you could lower your product charge to zero
Whether it’s a Stocks and Shares ISA, a Junior ISA or a Retirement Plan, you’ll want to pay as little as possible in charges. So when you look after your health and invest in Vitality funds, you could pay no product charge at all.
Remember, the value of investments and the income from them can go down as well as up. This means you may get back less than you invest.
What are the charges?
Fund charge - for the ongoing management of the funds.
Adviser charge - only applicable if you take out your plan through a financial adviser. This charge is what we pass on to your financial adviser for providing you with advice relating to your plan. The amount is agreed between you and your adviser and not set by us.
How investing with us could cost you less
It’s simple: the more you do, the less you pay.
Take part in the Vitality Programme and do things like staying active and tracking it, having a health check or buying healthy food, to earn Vitality points. The healthier your efforts, the more points you earn, which contribute to your Vitality status - Bronze, Silver, Gold and ultimately, Platinum. The higher your Vitality status, the more you save on product charges. Achieve Platinum status and invest in Vitality funds, and you could pay £0.
See how your product charge would reduce if you track your healthy habits:
|Bronze Vitality Status||Silver Vitality Status||Gold Vitality Status||Platinum Vitality Status|
|Tiered product charges by investment value||Invested in Vitality or third party funds||Invested in Vitality or third party funds||Invested in Vitality or third party funds||Invested in third party funds||Invested in Vitality funds|
|Up to £75,000||0.45%||0.35%||0.30%||0.20%||0.00%|
|Over £75,000 and up to £150,000||0.30%||0.22%||0.20%||0.15%||0.00%|
|Over £150,000 and up to £250,000||0.25%||0.20%||0.15%||0.10%||0.00%|