Renta 4: premium service or hidden cost?
Renta 4's fees can reach 0.4% per year on index funds. Is the service worth it, or are cheaper alternatives a better option?
English · Original discussion in Spanish · Published
Renta 4: the price of peace of mind for your portfolio
Renta 4 is marketed as a serious investment bank, but its fees are among the highest on the market. The fee schedule reveals 0.30% on buy and sell orders (minimum €10), 0.10% on dividends and, most painful of all, a 0.2% annual custody fee on fund assets. Add the fund's TER (0.06%-0.2%) on top. Total: up to 0.4% per year in recurring costs alone.
Service or savings?
Supporters highlight the customer service and transparency: fees are charged separately, not deducted from the fund's NAV. The range of funds from Vanguard, Amundi and Fidelity is broad. But more and more investors are moving to MyInvestor, Interactive Brokers or Trade Republic, where custody fees are cheaper or non-existent. With the fee update of 1 June 2026, Renta 4 is keeping its structure. The final decision depends on whether the investor prioritises service or cost. Unless they adjust their prices, Renta 4 will remain a luxury option, not an efficient one.
Related discussions in the forum
Renta 4 is marketed as a serious investment bank, but its fees are among the highest on the market. The fee schedule reveals 0.30% on buy and sell orders (minimum €10), 0.10% on dividends and, most painful of all, a 0.2% annual custody fee on fund assets. Add the fund's TER (0.06%-0.2%) on top. Total: up to 0.4% per year in recurring costs alone.
Service or savings?
Supporters highlight the customer service and transparency: fees are charged separately, not deducted from the fund's NAV. The range of funds from Vanguard, Amundi and Fidelity is broad. But more and more investors are moving to MyInvestor, Interactive Brokers or Trade Republic, where custody fees are cheaper or non-existent. With the fee update of 1 June 2026, Renta 4 is keeping its structure. The final decision depends on whether the investor prioritises service or cost. Unless they adjust their prices, Renta 4 will remain a luxury option, not an efficient one.
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