True & Fair Calculator

Welcome to the True and Fair Calculator. Please be aware that this Calculator only ESTIMATES the likely Total Cost of Investing.

The Total Cost of Investing measures the amount by which your investment is likely to be reduced over the period of the investment.  You can change the preset amounts: £15,000 (the NISA allowance), and 5 years (the time the Financial Conduct Authority (FCA) suggests savers should hold investments for). 

To see a full breakdown and explanation of our estimates and figures, click onto the Assumptions tab. 



The value of investments can go down as well as up, so you could get back less than you invest. It is therefore important that you understand that past performance is not a guide to future returns. Exchange rates may cause the value of overseas investments and the income arising from them to rise or fall. SCM Direct does not give personal advice. We aim to provide investors with simple, understandable information so they can make fully informed decisions. If you are unsure about the suitability of our investment portfolios please contact an independent financial adviser.