Provider comparison
InvestEngine vs Vanguard pension fees
Side-by-side fee comparison based on published fee schedules
Direct answer: at a £100,000 pension pot, InvestEngine costs £0/year and Vanguard costs £150/year in platform fees. InvestEngine is £150/year lower at £100,000 before fund charges.
InvestEngine
0% platform fee on DIY portfolios and the SIPP; Managed portfolios add 0.25% p.a. (DIY ETF costs from 0.03%, Managed Growth average 0.12%)
Zero platform fee (DIY) / 0.25% (Managed) · 700+ ETFs
Vanguard
0.15% capped at £375/year
Percentage, capped · ~80 Vanguard funds and ETFs
Annual platform fee comparison
POT SIZE
InvestEngine
Vanguard
LOWER FEE BY
£25,000
£0
£48
InvestEngine by £48/yr
£50,000
£0
£75
InvestEngine by £75/yr
£100,000
£0
£150
InvestEngine by £150/yr
£250,000
£0
£375
InvestEngine by £375/yr
£500,000
£0
£375
InvestEngine by £375/yr
£1,000,000
£0
£375
InvestEngine by £375/yr
Platform fees only. Fund charges are additional. Both providers shown on equal terms, sorted by cost at each pot size.
Key differences
InvestEngine
Vanguard
Fee model
Zero platform fee (DIY) / 0.25% (Managed)
Percentage, capped
Fund range
700+ ETFs
~80 Vanguard funds and ETFs
SIPP
Yes
Yes
Workplace
No
No
Min investment
£100
£500 lump sum or £100/month
Things to consider
- •Fees shown are platform fees only. Fund-level charges (OCF) are additional and vary by fund choice.
- •Fee structures change without notice. Always verify current fees on the provider's website.
- •The lowest platform fee is only one comparison point. Fund range, service, platform features, investment choice, and product restrictions also matter.
- •Before transferring any pension, check for exit fees, guaranteed annuity rates, employer contributions, and protected tax-free cash.
- •This comparison is factual information based on published fee schedules, not a recommendation to choose either provider.
- •If you're unsure which provider is right for you, speak to an FCA-regulated financial adviser.
This calculator provides estimates based on 2026/27 tax rates and is not financial advice. Scottish taxpayers are subject to different income tax rates and bands. The calculations assume your salary is your only source of income and do not account for benefits in kind or other taxable income.
For personalised guidance on your pension contributions, speak to an FCA-regulated financial adviser. You can find one via Unbiased or VouchedFor.