*TER for the traditional wealth manager taken as the average TER of wealth managers listed in research by Numis and Citywire, as published by Citywire Wealth Manager in February 2015 (http://citywire.co.uk/wealth-manager/news/discretionary-fees-laid-bare-let-the-calculations-begin/a799209).
The value of your investments can go down as well as up and you may get back less than you invested.