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PASSIVE INVESTING – GOING UNDER THE BONNET (HARD DRIVE)! 36TRACKER AVAILABILITYINVESTMENTS – ANNUAL CHARGES.FundCollectivesAMCPortfolioBondSelectPortfolio BondSelect Portfolio Bond(Wealth Managers)UK Index0.15%1.3%0.33%0.25%US Index0.15%1.3%0.44%0.26%Europe EX UK Index0.15%1.3%0.48%0.28%Japan Index0.15%1.3%0.46%0.32%Pacific (ex Japan) Index0.15%1.8%0.48%0.25%Global 100 Index0.25%1.3%0.77%0.35%Sterling Corporate Bond Index0.15%1.3%N/AN/AGlobal Emerging Market Index0.25%N/AN/AN/AUK 100 Index0.15%N/AN/AN/AAll Stocks Gilt Index0.15%1.3%N/AN/AAll Stocks Index Linked Gilt Index0.15%1.3%N/AN/AIndex funds could lower overall averageportfolio costs in core/satellite approach