What are the Typical Fees to Watch out for in Regards to Funds? 

Let’s take an example of an investor who has a $500,000 single premium lump sum.  The fund fees are 2% per annum in general. In addition to the broker management fee of 1% and the platform fees. Markets rise by 8%, the investor would thus make  4% return.

Ultimately, if the fees could even be reduced by 0.5%-1% per annum, that can make a huge compounded difference over time.  It doesn’t sound like much, but it is $2,500-$5,000 in year one alone, and potentially close to $100,000 over a 10-15-year period.

Some offshore bonds do have more low-cost fund options, including tracker funds.  This means that many expats out there have funds in their pension that are over priced.