In the age of drawdown income sustainability is the name of the game. But, when it comes to investing for and in retirement, the costs of the various elements (adviser, provider/platform, wrapper and investment) can add up to take a chunk out of the fund.

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.


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.