Question 1

What is Value for Money?

Accepted Answer

Value for Money is an independent cost-analysis service that compares your mutual funds with equivalent ETFs. For each instrument we check how much you are paying in fees and whether a listed product exists that offers the same exposure at a significantly lower cost. We do not sell financial products, we receive no rebates from asset managers and we do not advise on whether an instrument suits your personal situation: our only goal is to tell you, with data in hand, whether you are getting a good value for money.

Question 2

How does the analysis work?

Accepted Answer

You enter the ISIN codes of your funds and the amounts invested. Each instrument is assessed against three criteria. Transparency first: how clear the KID is, how clear the risks and the strategy are, and whether the fund actually does what it says. Then the cost structure: TER, performance fees and charges that do not appear on the front page. Finally the return net of costs, compared with the benchmark the fund declares and with equivalent ETFs. The outcome is a judgement for each fund and an estimate of what you could save.

Question 3

How much can I save?

Accepted Answer

It depends on the funds you hold, but the cost gap between mutual funds and ETFs is almost always wide. Active mutual funds often carry a TER between 1.5% and 2.5% per year, while equivalent ETFs range from 0.05% to 0.50%. On a €100,000 portfolio this typically means €1,000-2,000 in fees saved every year. Because costs compound over time, over long horizons (20-30 years) the capital recovered can exceed tens of thousands of euros.

Question 4

Is my data safe?

Accepted Answer

Yes. All communications are encrypted with SSL/TLS and your data is never shared or sold to third parties. We do not handle banking data: payments are processed entirely by Stripe and we never store card numbers. Portfolio data is kept for {days} days and then automatically deleted; you can also request deletion of your account and related data at any time.

Question 5

Do I have to sell my funds?

Accepted Answer

No, and we never tell you to. We assess only the value for money of the individual instrument — how much it costs and how much quality it offers — not its suitability for your goals, time horizon or risk tolerance. The decision to keep or replace a fund remains entirely yours, and for choices concerning your overall situation we recommend consulting a licensed financial advisor. Our service is designed to help you put into practice the value-for-money principles set out by the European regulation on investment products.

Question 6

How much does the service cost?

Accepted Answer

The preliminary analysis, with a concise judgement on each fund and a savings estimate, is included for your first portfolio. From the second portfolio onward advance payment applies. The full report — which indicates the category of replacement ETFs — starts at €{price} per portfolio.

Is your fund worth what it costs?

Not a slogan. A European principle.

How it works

Entering your portfolio

Automatic analysis

Receive the judgement

Get the report

Why choose us

Is your fund worth what it costs?

Analysis for your prospects’ portfolios