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Fees & charges

Policy charges/per member fees

Many pension arrangements have a fee charge calculated as a monetary amount per member. This could be expressed as a monthly amount, for example €3 per member per month. Policy charges/per-member fees have a proportionately higher impact on smaller pension funds than larger ones.

For some occupational pension schemes, this charge could be paid separately by the employer.

For small defined contribution pension schemes and personal pension contracts, this charge is usually taken by a regular deduction from the member's fund.