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Debt_Free_Chick wrote:

I'll say it again ... when you buy a pair of knickers in M&S or a tin of beans in Sainsburys, do you analyse the "charge" or profit that the retailer makes?

FWIW ... Woolies operates on a 2% margin. So, of the price you paid for that Easter Egg you bought last week, Woolies "charged you" 2% .... now what do you think of that?

I think you are missing the full point of what EdInvestor and "Impact of Charges" figures actually do...

A more accurate analogy would be to work out the profit margin of Woolies or M&S on your knickers or beans, then project that profit margin figure forwards until age 65 at about 7% p.a. You can then complain about the fact that you have "lost" that amount of money before refusing to buy the knickers and/or beans.

While knickers are a unnecessary luxury that women would be advised to forego, you would presumably need to grow your own beans and other food in order to cut out those retail fatcats who dare to open shops and sell things in order to make a profit.