The management and custody fees are calculated quarterly on a pro-rata basis. The calculation is based on the average market value of your total investment amount (including cash balance) on the 25th day of the three months within the quarter. The total fee is then charged directly to your account at the end of the quarter.

The fees apply to each investment goal individually. But don’t worry, having multiple goals isn’t more expensive. Broadly speaking, it’s not the number of investment goals that matters for the fee calculation, but the total value of all your investment solutions combined.