The fund's shares for individual investors charge an expense ratio of 1.3%, steep for a bond fund.

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For instance, its credit exposures charge-off ratio for the third quarter was 1.4%, compared to 1.4% for JPM, 2.1% for BAC and 2.8% for Citigroup.

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Now, Medicare doesn't even look at these charges other than to say, you must report them to us, but you must also report to us your actual costs, and then we can divide one by the other and we get so-called charge-to-cost ratio for you.

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But the left-handed batsman remained in charge for 80 Tests - only Australian Allan Border (93) has been in charge for more - and his win ratio of 35% was only bettered for New Zealand by Howarth's 36.66%.

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Ms Gee recommended that investors ask about the TER (total expense ratio) rather than the AMC (annual management charge) of a fund to give a more accurate idea of ongoing costs and look out for use of passive holdings such as those used by groups including T Bailey and 7IM, which, she says, have a comparably low-cost fund of funds offering.

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Currently, the community rating ratio is three to one meaning that insurers can charge older patients no more than three times what they charge younger ones.

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That charge rose to 16.25% earlier this year after the club breached agreements over the ratio of its debt compared to earnings.

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