See how much you could gain by using Delphina instead of a traditional financial advisor
Some platforms offer 0%
Assumes 10% annual nominal growth. Fund fees (0.2%) apply to both but are only deducted from the Traditional Advisor balance.
£87,827
management fees also compound
Actual Fees Paid
£89,732
Final Portfolio Value
£470,430
Actual Fees Paid
£39,980
Final Portfolio Value
£558,257
Difference after 20 years: £87,827 more with Delphina
Traditional financial advisors typically charge an ongoing percentage of your assets under management. In the UK, this ranges from 0.7% to 1.7% per year, with higher fees for smaller portfolios and more personalised service.
Average ongoing advisor fee: 0.85% (NextWealth 2025 report)
Investment platforms charge a fee for holding your investments. Some platforms now offer 0% fees, whilst others charge up to 0.5% annually. These fees are often overlooked but can add up significantly over time.
Typical range: 0% - 0.5% annually. Delphina guides towards 0%, we see no point in paying more for something that you can get for free elsewhere.
The Ongoing Charges Figure (OCF) represents the total cost of owning a fund. Index funds typically have OCFs of 0.1% - 0.2%, whilst actively managed funds can charge 0.5% - 1.0% or more.
Delphina guides towards low-cost index funds: ~0.2% OCF
Delphina charges a simple monthly subscription rather than a percentage of your assets. This means your costs stay predictable and your portfolio grows without being eroded by percentage-based fees.
We also know that for some, having a person to chat it through with is valuable, we offer ongoing coaching with one of our financial experts.
Wealth Builder: £9.99/month. Investor: £19.99/month. Coaching: £1,999/year. No percentage fees on assets.