• Establishment charge of up to 7.5%. This is charged gradually. For example, 1%-2% per year for 5–10 years. This charge goes down to 0% after this time.
  • 1.2% for investing in mirror funds, even though non-mirror funds exist in the plan.
  • Admin charges of 1.2% per year, or 0.3% per quarter
  • Fund charges, which can be anything from 0.1% to 3%, but typically 1.5% on most actively managed funds
  • Broker management fee charge — typically 1%.
  1. You can earn more than in the bank even with high costs
  2. If a cheaper charging structure is chosen within this plan, the plan isn’t as super expensive as it might seem. For example, the establishment, broker management fee and mirror fund charges can be reduced, unlike the admin charge.
  3. In general, as the number of funds within this plan are limited, some of the truly toxic funds that have gone down to 0 in some cases, are not allowed within the platform.

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