How are we different?
The one thing every investor can control is their costs. Most of our customer research has shown that people don’t know how much of their money they will lose because of what seemed like a small fee amount. Paying an extra 1% of fees every year will likely reduce your investment goals over 30 years by 30-40% - this is caused by compounding cost of fees.
Want to see an example?
Imagine you had a pension account with £50,000. If you reduced the fees on that pension by 1% today, say from 1.5% to 0.5%, and then that pension grew 5% per year over 30 years, you would earn an extra £71,000 in cash at the end of those 30 years. In other words, by choosing not to lower your fees in this scenario you would lose >40% of the GAINS your money should make.
This example doesn’t even take into account extra costs, such as trading commissions, foreign exchange and interest, or factor in any further contributions you will likely make over time.
This example is for illustrative purposes only and is not a projection of future potential returns. Actual costs you will pay at other providers may differ.
Over 30 ETFs with absolutely no fund fees
We are the only business we know who refunds the fees on more than 30 funds from the best known asset managers around the world.
We bring you a curated selection of sectors, categories, geographies and currencies to create the portfolio to match your needs and interests. Because we believe you shouldn’t be trading single stocks to maximise your long term wealth over the long term, we make a point of keeping our fund list focussed.
List of refunded investment funds
The table below lists the current selection of refunded investment products available on our App, which include a broad range of index tracker investment funds. Each investment fund has a Summary Risk Indicator designed to help you understand the level of risk associated with a particular investment fund, from lower risk and potentially lower rewards (1) to higher risk and potentially higher rewards (6).
Please search the security identifier (ISIN) to refer to the relevant Key Information Investor Document (KIID) for each of the funds listed below.
| Risk Rating | Strategy | Dist. | Fees (OCF) | Security Identifier (ISIN) |
Global Equity Investment Funds |
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Fidelity World Index Fund | 5 | Passive | Accumulation | 0.12% Refunded | GB00BJS8SJ34 |
Fidelity World Index Fund | 5 | Passive | Income | 0.12% Refunded | GB00BP8RYB62 |
Global Bond Investment Funds |
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iShares Global Aggregate Bond ETF (Hedged) | 3 | Passive | Income | 0.10% Refunded | IE00BF540Y54 |
Vanguard EUR Corporate Bond ETF | 3 | Passive | Accumulation | 0.09% Refunded | IE00BGYWT403 |
Vanguard EUR Euro Gov Bond ETF | 4 | Passive | Accumulation | 0.07% Refunded | IE00BH04GL39 |
UK Fixed Income Investment Funds |
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iShares £ Ultrashort Bond ETF | 1 | Passive | Income | 0.09% Refunded | IE00BCRY6441 |
iShares Corporate Bond Index Fund | 4 | Passive | Accumulation | 0.11% Refunded | GB00B84DSW83 |
iShares Corporate Bond Index Fund | 4 | Passive | Income | 0.11% Refunded | GB00B7J60R40 |
iShares UK Gilts 0-5yr Bond ETF | 2 | Passive | Income | 0.07% Refunded | IE00B4WXJK79 |
UK Equity Investment Funds |
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Vanguard FTSE 100 Index Fund | 6 | Passive | Accumulation | 0.06% Refunded | GB00BD3RZ368 |
Vanguard FTSE 100 Index Fund | 6 | Passive | Income | 0.06% Refunded | GB00BD3RZ251 |
Vanguard FTSE 250 ETF | 6 | Passive | Accumulation | 0.11% Refunded | IE00BFMXVQ44 |
Vanguard FTSE 250 ETF | 6 | Passive | Income | 0.11% Refunded | IE00BKX55Q28 |
Vanguard FTSE UK All Share Fund | 6 | Passive | Accumulation | 0.06% Refunded | GB00B3X7QG63 |
Vanguard FTSE UK All Share Fund | 6 | Passive | Income | 0.06% Refunded | GB00BPN5P782 |
US Equity Investment Funds |
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Fidelity US Index Fund | 6 | Passive | Accumulation | 0.06% Refunded | GB00BJS8SH10 |
Fidelity US Index Fund | 6 | Passive | Income | 0.06% Refunded | GB00BP8RY838 |
iShares MSCI USA ESG Enhanced ETF | 6 | Passive | Income | 0.07% Refunded | IE00BHZPJ890 |
iShares S&P 500 ETF | 6 | Passive | Accumulation | 0.07% Refunded | IE00B5BMR087 |
iShares US Index Fund | 6 | Passive | Accumulation | 0.05% Refunded | GB00B5VRGY09 |
iShares US Index Fund | 6 | Passive | Income | 0.05% Refunded | GB00BYTHN335 |
SPDR S&P 500 UCITS ETF | 5 | Passive | Accumulation | 0.03% Refunded | IE000XZSV718 |
SPDR S&P 500 UCITS ETF | 5 | Passive | Income | 0.03% Refunded | IE00B6YX5C33 |
Vanguard US Index Fund | 6 | Passive | Accumulation | 0.10% Refunded | GB00B5B71Q71 |
Vanguard US Index Fund | 6 | Passive | Income | 0.10% Refunded | GB00B5B74S01 |
US Bond Investment Funds |
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Vanguard USD Corporate Bond ETF | 4 | Passive | Income | 0.09% Refunded | IE00BZ163K21 |
Vanguard US Government Bond Fund | 5 | Passive | Income | 0.12% Refunded | IE00BD6D4566 |
iShares $ Ultrashort Bond ETF | 2 | Passive | Income | 0.09% Refunded | IE00BCRY6227 |
European Equity Investment Funds |
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HSBC European Index Fund | 6 | Passive | Accumulation | 0.08% Refunded | GB00B80QGH28 |
HSBC European Index Fund | 6 | Passive | Income | 0.08% Refunded | GB00B80QGD89 |
Rest of World Equity Investment Funds |
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Fidelity Japan Index Fund | 5 | Passive | Accumulation | 0.10% Refunded | GB00BHZK8872 |
Notes:
Risk Ratings: Risk and return are linked. This means funds with a rating of 1 are less likely to lose money, but your money might not grow very much. Funds with a rating of 7 have a much higher risk of losing money, but the potential for your money to grow over the long term is higher.
All of the funds shown are GBP denominated
Ongoing Charges Fee (OCF) takes the wide variety of costs in running the fund into account, such as operating costs, annual management charge (AMC) and administrative costs incurred as a result of buying or selling investments. The figure shown is from the most recent KIID, as of July 2023.
Funds with ESG in their name incorporate a broad range of environmental, social and governance factors in security, underlying fund and index selection.
Accumulating means that the funds’ returns are reinvested within the fund itself.
Income (or Distributing) means the funds’ returns are paid into your ForMore account as cash.
Capital at risk. Investments can go down as well as up.