Calculator
What do the charges actually cost you?
Charges are quoted as a small annual percentage. Over a working life they compound into a figure most people never see. Put your own numbers in below.
Total taken in charges over the term
€0| Total you pay in | €0 |
|---|---|
| Value if there were no charges | €0 |
| Value after charges | €0 |
| Reduction in yield | 0.00%Effective return after charges |
Against leaving it on deposit
Deposit interest is subject to DIRT, which this figure does not deduct. Money inside a pension grows without Irish income tax, DIRT or capital gains tax, so the two are not like for like.
How this is worked out
- Growth is applied monthly at the rate you enter, before charges.
- The annual management charge is taken monthly as one twelfth of the yearly rate, applied to the fund value.
- The allocation rate is applied to the starting amount and to every contribution.
- Contributions are treated as arriving at the end of each month.
- Reduction in yield is the flat annual return that, with no charges at all, would leave you with the same final figure.
Real products vary. Some use bid and offer spreads, early exit penalties or fee structures that change over the term, and none of that is modelled here. Check the key features document and the fund factsheet for the product you are actually looking at.
FundWatch does not sell products, take commission or make recommendations. This calculator is for illustration and is not financial advice.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: These figures are estimates only. They are not a reliable guide to the future performance of your investment.