We’ve taken a cross section of on- and off-platform providers and done the sums to see just how much of a difference the choices made at retirement can influence the charges taken – and by logical extension the fund value – over the lifetime of the investment.

Free paper klaxon!

Thanks to the good sorts at Scottish Widows this paper is free to all. Download, read, repeat. Although that may get tedious after a while.

Anyway, we know we say this every time we release a sponsored paper, but it’s true each time so we’ll all just have to live with it. Scottish Widows has a commercial interest in the topic but, and this is the important bit, it had no say in our analysis, our commentary or our decision to dress up a cartoon cat as a geriatric rock star.