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Smaller fees can make a massive difference. Pay 1% less in annual fees and see what those savings could be worth over time: 1% fee saving on £250k for 20 years = £111k. That’s 4-5 years of extra retirement income. 1% fee saving on £500k for 10 years = £73k. That’s 4 years of private school fees. 1% fee saving on £1m for 5 years = £60k. bandung toto login