Frequently Asked Questions
Everything you need to know about Value for Money
1.What is Value for Money?
Value for Money is an independent service that analyzes your mutual fund portfolio and identifies savings opportunities through replacement with equivalent ETFs. We don't sell financial products and we don't provide financial advice on the suitability or appropriateness of instruments: we only analyze the costs and quality of the instrument.
2.How does the analysis work?
Enter the ISIN codes of your funds and the invested amounts. Our algorithm analyzes each instrument evaluating: transparency, adherence to benchmark, net performance and fee structure.
3.How much can I save?
Average savings on management fees is 70%. Mutual funds often have TER between 1.5% and 2.5%, while equivalent ETFs have TER between 0.1% and 0.5%. On a €100,000 portfolio, this can mean €1,000-2,000 saved every year.
4.Is my data safe?
Yes, we use SSL/TLS encryption for all communications and never share your data with third parties. Portfolio data is kept for 30 days and then automatically deleted.
5.Do I have to sell my funds?
No. We only assess the value for money of the individual instrument — its costs and quality — not its suitability for your situation. The decision to sell remains entirely yours; we recommend consulting a licensed financial advisor. In line with the guiding principles of the EU directive on investment products, this platform concretely helps apply the value-for-money framework.
6.How much does the service cost?
The preliminary analysis with judgement on each fund is free. The detailed report with the list of substitute ETFs starts at €150 per portfolio.
7.What does each judgement mean?
Of value: the instrument creates value — good value for money. Replaceable: no value for money, and an equivalent ETF is readily available to replace it. Expensive: no value for money, but it cannot be precisely replaced with an ETF. NCA: instrument without a verdict (not classifiable). Low info: insufficient information for the analysis.
8.How often is the analysis updated?
Fund data is updated monthly. Each analysis is valid for 30 days from the processing date.
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