Benefits and Fees

What Does Informed Decisions Offer?

Unlike traditional financial advice in Ireland, which is focused purely on selling products, our value to you is being your long-term financial partner. We offer you on-going planning, advice and guidance to help you achieve the comfort and lifestyle you seek.

Yes, the structures and portfolios are important, but they are simply the tools we use to deliver the results you need.

We have identified the 3 key benefits you get in working closely with an Independent Financial Planning firm like Informed Decisions; Plan, Portfolio and Partner. Click the icons across below for more details of each. We also offer a unique Fee Guarantee.

And see how much you can save with our transparent fee-cap.

Our Fee-cap

Plan

Portfolio

Partnership

+ Our Fee Guarantee

I feel very positive about my finicial future, now I'm working with Informed Decisions.

John SHerry
‍owner - GardenRooms.ie

Building a successful business – planning his next chapter!

Our Fee Cap

Small fees make the biggest difference.

It is traditional among brokers, advisors and wealth management firms to charge you an un-ending percentage of your investment portfolio. The larger your investment portfolio, the more you pay in fees. For example, an investor with €3m will pay 3x the fees that an investor with €1m pays.

For your benefit, the flat fee for the Informed Decisions MasterPlan™ process and implementation is €3,950. Most impactfully, our annual Advisory Fee is capped at €9,800, when your invested assets with us exceed €1.4m. Thanks to this, you can save literally tens of thousands every year versus traditional wealth managers and broker schemes.

Example One - €1.8m invested via Informed Decisions

If total pension/investment assets with us is €1.8m, your total yearly fee is c1.04%. The industry average for pensions/investments is 2.1%, when all hidden fees are included

You save almost

€20,000 per year in hidden fees*

*Industry average fee of €37,800 (2.1%) versus €18,800 (1.04%) with us, which includes all fund/platform/advisory services
*2.1% according to this Dept of Social Protection research
*Assuming no-growth – even higher savings if we included growth!

Example Two - €3m invested via Informed Decisions

If total pension/investment assets with us is €3m, your total yearly fee is c0.83%. The industry average for pensions/investments is 2.1%, when all hidden fees are included

You save almost

€40,000 per year in hidden fees*

*Industry average fee of €63,000 (2.1%) versus €24,900 (0.83%) with us, which includes all fund/platform/advisory services
*2.1% according to this Dept of Social Protection research
*Assuming no-growth – even higher savings if we included growth!

Our Advisory Fee is reviewed only in line with inflation thereafter (max 7.5% every 3 years). Over your retirement, this fee-cap could help ensure you outlive your money, and leave a significant legacy.

We have identified and utilise more secure and effective pension and investment structures for clients, where total fees range from 0.9% to 1.5% per year. This includes all services; Investment Management, Global secure Custody, Trades, Scheme Administration, Trustee services, and our dedicated planning and advisory services.

Our Fees - 100% Transparent - Nothing Hidden

0.7%
per annum

Informed Decisions Advisory Fee (up to €1.4m only, capped thereafter)

+

0.3%
per annum

Investment Wrapper & Global Custody

+

0.2%
per annum

Typical underlying Passive Index Portfolio

+

0.05%
per annum

Estimated transaction costs within the portfolio

=

1.25%
per annum

Total investment account* costs

*based on illustrative investment account of between €600k and €1.4m

Here’s Why We Help Our Clients Invest For The Long Term

The probability of your investment being successful increases dramatically with it’s duration. Select different time-frames in below interactive graph, to see the different past returns of different portfolios

The value of investments can fall and you may get back less than you invested. Past performance is not a reliable guide to future performance. Above simulation provided by Timeline UK and is based on UK Equity & Bonds only – but we take a more globally diversified and prudent approach to our clients’ investment strategies.

Informed Decisions