Sample Pension Quotations

These quotations below compare the fund value at age 65.

We have compared the Cavendish Online (nil commission) and Standard Life Direct (full commission) plans based on a gross monthly contribution of £200 for a male commencing a pension at the age of 25, 35, 45 and 55. The assumed growth rate is 7%.

We used the Standard Life stakeholder pension investing in the with profits fund for this comparison.

Age at commencementPension viaFund at retirementBenefit of using Cavendish
25 Standard Life £612,000  
25 Cavendish Online £666,000 £48,000
35 Standard Life £265,000  
35 Cavendish Online £281,000 £16,000
45 Standard Life £106,000  
45 Cavendish Online £110,000 £4,000
55 Standard Life £34,600  
55 Cavendish Online £35,400 £800