Their charges are not the most competitive. [broken link removed] 0.75% on entry and 0.75% on exit as well as an annual management fee of 0.7%-2%. Sometimes they discount charges on their "fund of the month". In contrast the likes of [broken link removed] charge no entry or exit charges and only an annual management charge of 1% to 1.5% (reducing after 15 years) and accept regular contributions of €51 or more. Of course Rabo's online trading service has the advantage of convenience, they offer a wider/differnt range of funds and you can make sporadic contributions when you like. On the other hand I think that with QL you can stop/start/vary regular contributions at will too - just not online.