What the fund did, what the currency did, and what it cost
What a fund's charge actually costs you over time — and, if you are sending money from abroad, how much of your outcome was the exchange rate rather than the fund.
Working out a Treasury bill? Use the Treasury bill calculator →
Returns calculator
Change any figure on the Returns form — the result updates as you type
£1,000 in First Atlantic Income Fund, over 1 year
£1,294
Up £294 — +29.4% on what you sent
GH₵15,200 sent, grew to GH₵19,665 after charges
Nobody knows the rate in advance. The range:
- If the cedi strengthens 10%£1,438 +43.8%
- If the cedi does not move£1,294 +29.4%
- If the cedi weakens 20%£1,078 +7.8%
What 1.75% a year actually costs
- Over 1 year£23
- Over 5 years£335
- Over 10 years£2,537
Charged on the balance each year, so it grows as the investment does.
Returns form
Cheapest annual charge of the funds we can verify.
The fund earned
+£317
31.68% a year, before charges
The currency
+£0
moved in your favour
Charges took
−£23
1.75% a year
What this is not
- Not a forecast. Every figure above is arithmetic on numbers you can see and change. The return is pre-filled with what a fund published over a stated period, which is what already happened rather than what will.
- Not advice. Telling you which product suits your circumstances is a personal recommendation and needs a licence from the Securities and Exchange Commission, which we do not have.
- Not the whole cost. The charge shown is the fund’s. Your transfer provider takes a margin on the exchange rate, your bank may charge to receive, and withholding tax may apply. Enter the rate you actually got and the first of those is captured.
- Only five products, because only eight funds publish enough. Ghana has around 75. Most publish neither their charges nor their returns in a form anyone can check.