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Are high fees affecting performance?

By Jozef Spiteri
This article is published on: 18th April 2024

The information within this article is for information purposes and is not to be construed as investment advice or recommendation. Please consult with your investment advisor before making any type of investment.

The investment industry has always been highly competitive. Financial advisers globally are continually seeking solutions which are both attractive and able to fully meet their clients’ expectations – not always an easy task.

When selecting investment solutions for clients, it is essential to propose a strategy capable of delivering meaningful returns.

Controlling cost is also important.

When looking to invest with the help of an adviser, or on your own, you may be faced with different layers of fees, and it is critical that you understand each specific charge and the all-inclusive cost. You will for example need to consider adviser servicing fees, platform fees and fund fees. You should be fully aware of all costs before investing. Excessive expense will dilute investment performance, so care is needed to optimise prospects for growth, immediately and longer term.

At Spectrum we discuss fees with prospective clients in the first meeting as we feel this is the best way to start off a relationship. Transparency is key and this helps clients feel more comfortable and well-informed. The fees for our service are highly competitive as we have access to the most cost effective funds and products, with no ties to any particular product provider or fund manager. By ensuring the fees are at the lowest level possible we will be helping clients as they will not be unnecessarily penalised, resulting in better returns.

If you are unsure of whether you are currently invested in products paying high fees or are comparing options and do not know what to do, feel free to reach out to us. We would be glad to explain everything in simple and transparent terms. We do not charge for our initial meeting, and you are not obliged to become a client.

The Spectrum IFA Group Limited is licensed to provide investment services, under the Investment Services Act, by the Malta Financial Services Authority.

Article by Jozef Spiteri

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