Fee & investment calculator
Our fees. No surprises.
We believe you should know exactly what our advice costs before you ever pick up the phone. Move the sliders to see our fees for your investment, and see what your money could do over time.
For illustration only, not a personal recommendation. Capital at risk.
Included for existing clients at no extra cost
Topping up an existing investment also comes with everything already included in your ongoing service:
- No additional fee for annual ISA top ups
- Withdrawing funds
- Switching funds
- Changing regular contributions
- Adjusting risk profiles or switching investments
- Bereavement advice and investment restructuring
- Ongoing office and adviser support throughout the year
- Portfolio updates, lifestyle planning reports and client documentation
How your fee is calculated
Your money over time
Risk and reward: both sides of the story
Higher potential returns come with bigger swings along the way. Here is what your chosen risk level could mean, based on historical averages, on the way up and on the way down. None of these figures are fixed or guaranteed.
What if one bad year landed on your plan?
Growth rates and fall figures for each risk level are broad, long-term assumptions based on our professional view of how that type of investment has typically behaved over time. They are not drawn from a single fund, index, sector or fixed time period, and are for illustration only; they are not fixed or guaranteed, and actual returns could be higher or lower. The fall figures are a considered estimate of the kind of setback this risk level could experience in a difficult year, broadly consistent with historical market experience; they are not a maximum, and actual falls could be larger. Investments can fall in value as well as rise. It is always advisable to speak to a qualified financial adviser before investing in risk-based investments, rather than going it alone.
Where every pound ends up
Ready to talk it through?
If you would like to book a consultation or speak to one of our advisers, book a free discovery call at a time that suits you.
For illustration only, not a personal recommendation. Capital at risk.
Important risk warning: This calculator is for illustration only. It does not constitute financial advice or a personal recommendation, and no advice is given or implied by using it.
The projections shown use assumed rates of growth and are not a forecast or guarantee of what you will actually receive. Past performance, including the long-term averages used to derive these assumed growth rates, is not a reliable guide to future performance. The value of investments can fall as well as rise, and you may get back less than you invested, including in some circumstances less than your original capital.
Each risk category carries a volatility figure showing how far a portfolio in that category has fallen during a historically difficult year for markets. This is not a maximum or worst case figure; actual falls could be larger, and there is no guarantee that a period of poor performance will not happen again, or happen more severely. Generally, the higher the potential long-term return, the greater the potential fall in a bad year.
The risk category, growth rate and volatility figure used in this calculator are for illustration only and have not been matched to your personal attitude to risk, capacity for loss, objectives or circumstances. Your actual risk category, and any investments recommended for you, would only be confirmed following a full assessment as part of our advice process.
Unless you have entered product costs in the full cost picture section, figures shown are Jones & Co advice fees only and exclude product, platform and fund charges, all of which will further reduce your returns. Projected values are not adjusted for inflation, which will reduce the real spending power of any future returns. The tax treatment of your investment depends on your individual circumstances and may change in future.
The initial fee is assumed to be deducted from the amount invested; the ongoing fee is deducted monthly from the portfolio. Fees are reviewed periodically and may change.
Jones & Co is authorised and regulated by the Financial Conduct Authority (FRN: 804499). Professional advice is always recommended before investing in risk based investments. If you are at all unsure whether investing is right for you, please speak to one of our financial planners before proceeding.