From 304beb8d0d99d01bacb5ce873a8b3926fb1559be Mon Sep 17 00:00:00 2001
From: Nic Wortel <nic@nicwortel.nl>
Date: Mon, 15 Apr 2024 10:45:54 +0200
Subject: [PATCH] Update the costs structure of Saxo Bank
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Starting from May 13th, Saxo will apply a new fee structure to their products.
See https://www.home.saxo/-/media/documents/regional/nl/pricing-unified.pdf?revision=db393ec4-e48a-4be2-a5e4-7751670cd203.

The transaction fees for ETFs are the ones for Bronze accounts. The account type
(Bronze/Silver/Gold) is determined by Saxo based on the size of the account, but
this is not yet supported by our simulation.
This means that in reality transaction fees will be lower ones the account
becomes bigger than € 200,000.
See https://www.home.saxo/nl-nl/campaigns/invest-for-less.

Because all mutual funds listed with Saxo on this website are available for
AutoInvest (according to the data provided by @teunlielu in
https://github.com/nicwortel/indexfondsenvergelijken.nl/issues/49), the
transaction costs for mutual funds have been set to 0.
See https://www.home.saxo/nl-nl/products/autoinvest for more about AutoInvest.
---
 data/brokers.json | 20 ++++++++------------
 1 file changed, 8 insertions(+), 12 deletions(-)

diff --git a/data/brokers.json b/data/brokers.json
index c0f7672..72e4cc9 100644
--- a/data/brokers.json
+++ b/data/brokers.json
@@ -92,24 +92,20 @@
     {
         "name": "Saxo Bank",
         "logo": "saxo.png",
-        "product": "Zelf Beleggen Green",
+        "product": "Zelf Beleggen",
         "serviceFee": {
-            "base": 3.5,
             "percentage": 0.01,
-            "maximum": 48.5
+            "maximum": 40
         },
         "serviceFeeFrequency": "monthly",
-        "mutualFundTransactionFee": {
-            "percentage": 0.15,
-            "minimum": 8,
-            "maximum": 150
-        },
+        "mutualFundTransactionFee": 0,
         "etfTransactionFee": {
-            "percentage": 0.1,
-            "minimum": 6,
-            "maximum": 150
+            "percentage": 0.08,
+            "minimum": 2,
+            "maximum": 150,
+            "_comment": "Based on the Bronze account, the fee is lower for accounts with higher equity."
         },
-        "costOverview": "https://www.home.saxo/-/media/documents/regional/nl/Pricing-Standard.pdf",
+        "costOverview": "https://www.home.saxo/-/media/documents/regional/nl/pricing-unified.pdf?revision=db393ec4-e48a-4be2-a5e4-7751670cd203",
         "website": "https://www.home.saxo/nl-nl"
     },
     {