Eoin McGee

Okay, no pressure, Agnes.

No pressure at all.

Assuming they're both, if they're self-employed or limited companies, they're accountable to do it for them.

If they're PAYE workers.

They're not self-employed.

Yeah, PAYE, my PAYE, it is actually quite a simple, the revenue system, the online system is very easy to do things like this and then be guided through it there.

It's a very simple thing to get sorted.

Agnes, I feel your pain.

I'm getting married next year, so I can feel it.

It's all ahead of me.

Great stuff.

Okay, so what I would first of all say is it is unfortunate, like when I'm in the States and I'm talking to advisors over there and planners over there and they're telling me what we can access or what their clients can access funds for, because they have the economies of scale, it's much cheaper to invest in somewhere like America in funds like this because they have mass markets and they can make their money by spreading out the cost across to everyone.

And it's much more active over there as well.

And sometimes we get caught up online because we see what the charges are over there and we expect them to be the same here.

1.75% in total, I can't say it's absolutely brilliant, but it's not miles off what you would expect.

For a year?

Yes, and that's a percentage of the fund, right?

So that's taken out, and it's not taken out once a year.

It's taken 1.365% per day of 1.75% in that case would be taken out per day.

So it's taken out gradually throughout the day.