See how much you could save by using Delphina instead of a traditional financial advisor
Some platforms offer 0%
Assumes 10% annual growth and 0.2% fund fees for both scenarios.
£78,534
in fee savings compared to traditional advisor
Total Fees Paid
£89,732
Final Portfolio Value
£470,430
Total Fees Paid
£11,198
Final Portfolio Value
£648,704
Difference after 20 years: £178,274 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.
Investor plan: £19.99/month (no percentage fees on assets)