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Cofunds Fee Now Only 0.23%

Seymour Sinclair’s new reduced Fees brings the total investment charges down to a total of just 0.43%p.a. making us cheaper than most leading investment brokers on the market including Hargreaves Lansdown and Chelsea Financial Services (see below).

Cofunds is owned by Aegon and is the largest investment platform in the UK. They offer a range of investment products with over 3,400 individual investment funds from over 210 fund managers.  The Cofunds Platform helps to keep things simple with one administrator to handle all the paperwork and one site for viewing all your investments at the click of a mouse.

What do you pay for your Annual Management Charges?

There are no initial charges on your general investments and ISAs but there will be three separate annual fees:

  • A platform fee of 0.23% charged by Cofunds.
  • A service fee of 0.20% paid to Seymour Sinclair.
  • A fund management fee (typically 0.75% of your investment) which covers the investment company’s research and expertise looking after the fund.

For investors with over £500k the Fees become even lower:

Investment amount Up to Cofunds Fees

% p.a.

SSI Fees

% p.a.

 *Average Fund Manager Fees % p.a. Total annual Fees %
£0.01 £500,000.00 0.23 0.20 0.75 1.18
£500,000.01 £1,000,000.00 0.20 0.20 0.75 1.15
£1,000,000.01 £999,999,999.99 0.15 0.20 0.75 1.10


The fees are calculated daily and paid on a monthly basis. We make no other charge for our services.

Are your Fund Charges eating into your Returns?

If you’re an investor with an ISA, Unit Trust or OEIC investment I am sure your primary concern will be it’s performance.  However, fund prices aren’t all you should be worrying about.  Are you aware that the charges you have to pay with investment funds can have a significant impact on your returns.


Combined Platform & Broker Fees
Rate p.a.
Fees you pay per annum on a
£20,000 ISA
Extra Fees and Charges
Seymour Sinclair Investments –












No Extra Fees

Hargreaves Lansdown
0.45% £90.00 Own Platform – Vantage
Regular Investing – £1.50 Charge
Dividends Reinvested over £10 – 1%
Exit Fees – £25.00 per holding
Account Closure – £30.00 Charge
6 month statements by post £10.
Commshare 0.47% £94.00 0.47% through Cofunds
0.49% through FundsNetwork
iWeb *0.50% £100 *This is an average rate based on a £200 one off fee
to open an account and £5 per trade thereafter. Dividends reinvested – 2% (max £5)
Chelsea Financial Services 0.60% £120.00 Uses Cofunds 
Financial Discounts Direct 0.68% £103.63 Uses Cofunds
ISA Ltd 0.70% £136.00 0.70% through Cofunds
0.75% through FundsNetwork
+ £45.00 FundsNetwork Investor Fee
TQInvest 0.75% £150.00  0.75% through Cofunds
0.79% through FundsNetwork
Interactive Investor *1.00% £200.00 *Average based on £20 per quarter.
First two trades free but £10 per trade thereafter.
Regular investing – £1.50
Exit Fees – £15.00 per holding
Nutmeg 1.00% £200.00  £10 – £12 per trade
Online only – No postal business
The Share Centre *1.58% £316.00 Average based on £57.60 Annual Fee
+ Transaction Fee per deal – 1% (min £7.50)
Alliance Trust Savings *2.15% £430.00  *Average based on a £75 annual fee
+ £12.50 per trade
Regular investing – £1.50
Dividends reinvested – £5.00
Exit Fees – £120.00

*Please note that the percentage above is based on the Agent Fee and/or Platform Fee. It does not include the fund manager charges.

This table was created by Seymour Sinclair Investments after much research however we cannot be held liable or accommodate for any errors. This is a guideline on the charges made by our competitors but we would recommend you do your own research.

Seymour Sinclair Investments offer one of the best charging structures available.
Compare the Annual Charges on the table above and see how we can reduce your Fees.

If you are already an investor with Cofunds …

If you already hold investments on the Cofunds Platform then your Fees will automatically be reduced.  No action is required.

New Cofunds Investors

If you would like to make an investment using the Cofunds Platform to take advantage of our new reduced fees, please simply complete our Platform Business Application Form and send with a cheque made payable to “Cofunds Ltd”.

Seymour Sinclair Investments Limited
2 Blade Mews, London SW15 2NF

Platform Business Application Form ISA & Non-ISA


IF YOU have INVESTments on ANOTHER PLATFORM or Hold investments directly with an investment company…

Re-Register your holdings with Cofunds

If you have your investments with another Platform provider and would like to move them to Cofunds, it’s easy to re-register.  The Cofunds Platform will do all the work for you.  There are no charges for this Service and whilst the re-registration process is being carried out, your money stays exactly as you hold it now, invested in the same funds and managed by the same companies.

Simply complete the Cofunds Re-Registration Form and send to Seymour Sinclair using the Freepost address provided:

Seymour Sinclair Investments Limited
2 Blade Mews, London SW15 2NF

Cofunds Re-registration Form



Change Platform Agency to Cofunds

Compare the Charges on the table above to see what you are currently paying with your Agent/Broker.  If are Charges are lower please just complete the “Change of Platform Agency” Form and send it to the Freepost address below:

Seymour Sinclair Investments Limited
2 Blade Mews, London SW15 2NF

Change of Platform Agency Form