Execution-only investment funds let you build a portfolio without paying 1%+ each year to an adviser. The trade-off: you pick the fund yourself. We make that comparison straightforward.
Sorted by 5-year annualised return. Index/passive funds tend to have the lowest charges; actively-managed funds promise (but don't always deliver) outperformance.
Returns are annualised, net of AMC. Exit tax (41%) applies separately on withdrawal — see our tax guide for the full picture.
Passive funds (index trackers) charge 0.1–0.5% a year and aim to match the market. Active funds charge 0.75–2% and aim to beat it. Historically most active funds underperform their benchmark after fees.
A multi-asset fund owns equities, bonds and alternatives in one wrapper — simple and diversified. A pure equity fund is higher-risk but higher-return over long horizons. Match the choice to your time frame.
ESG funds exclude companies that fail environmental, social and governance screens. They've broadly tracked their unconstrained peers in recent years, but sector concentration risk is higher.
Our calculator bakes in AMC, exit tax and the 8-year deemed disposal rule — so the projected figure is what you'd actually keep, not a gross number.
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