Modern Wealth Management

A combination of technology and team help you plan, invest and review your portfolios so you can achieve your financial goals. All at a fraction of the industry cost.

Financial Planning

Plan for each of your financial goals using our intuitive online tools or by working with one of our qualified advisers.

Investment Management

Professional portfolio management provides the core of your investments with ongoing monitoring and rebalancing to help achieve your goals.

Outstanding Client Experience

Portfolio construction tools and seamless administration, whether online or via our client service team, remove the customary burdens of setting up and maintaining accounts.

The right account type for different investment needs

A GIA is a taxable investment account which can be used for both regular savings and one off investments. Withdrawals can be made at any time with no exit charges. As part of our comprehensive service we provide full tax reporting information, capital gains tax targeting and auto top ups of ISAs from your GIAs.

The pension account lets you flexibly save towards your retirement and offers a range of options for drawing your benefits such as Flexi-Access drawdown and Uncrystallised Funds Pension Lump Sums so you can control how and when you draw an income in your retirement. You can transfer one or more in existing pensions and make direct and/or employer contributions.

Make full use of your annual ISA and JISA allowances and consolidate existing ISAs and JISAs at Netwealth.

Our fully managed portfolios can help trustees to meet their fiduciary duties and keep costs low.

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When investing your capital is at risk.

The Netwealth Network

Invite up to 7 people to join your Network and enjoy the benefits of economies of scale. The minimum investment amount drops from £50,000 to £5,000 for Network members, and fees for the whole Network are calculated on the total amount invested by all members. Accounts remain independent, allowing each member of your Network to pursue their own unique financial goals whilst enjoying the benefit of lower collective fees.

The Netwealth Network is a particularly powerful tool for families wanting to share fee and investment benefits across generations.

More about the Netwealth Network

Investment Approach

Netwealth’s ambition is to deliver attractive portfolio performance over the medium to long term in order to give clients the best chance of meeting their investment goals.

We make active decisions about asset allocation and the appropriate markets to invest in while staying within your chosen risk parameters. We access markets predominantly through passive funds and ETFs to ensure high levels of diversification and to help keep the cost of investing low.

Our investment approach has three distinct pillars

Pillar 1 - Strategic Allocations

Building Strategic Allocations

The long term mix of asset classes which drives the risk-return characteristics of each Risk Level

Pillar 2 - Instrument Selection

Instrument Selection

Deciding how best to gain exposure to our desired markets and selecting the most effective instruments

Pillar 3 - Adopting Cyclical Positions

Adopting Cyclical Positions

Adjusting the portfolios to mitigate the risks of current market conditions

Risk management is embedded in every stage of the investment process

Portfolios managed by an experienced macro and multi-asset investment team

Views based on long term strategic thinking, so we can be more patient for the investment team’s views to be rewarded

Conviction in the significant compounding value over time of minimising unnecessary, attritional costs within client portfolios

100% daily liquidity, but resistant to excessive trading

Security

Security is a vital aspect of our proposition and we apply industry standard, layered security measures both to our clients' accounts and to our infrastructure. These are validated regularly by external security experts.

All client assets are separately custodied and ring-fenced. Client money is held in accordance with the applicable FCA rules and protected under the Financial Services Compensation Scheme (FSCS).

Netwealth uses dual factor authentication for client log-ins and all client data is encrypted securely both at rest and when transmitted. Our network host constantly monitors for vulnerabilities, actively mitigates DDoS (Distributed Denial of Service) attacks, and carries out regular penetration testing.

Fees and Charges

We believe in the long term benefit of keeping the total cost of investing as low as possible. Our transparent fees are based on the total net contributions to your account and include:

Investment management, Custody and safe keeping of your investments, Transaction charges, Administration, VAT.

More about our fees

The following table shows the estimated annual costs for a portfolio managed on a discretionary basis by Netwealth:

Total Invested Amount £50,000 -
£249,999
£250,000 -
£499,999
£500,000+
Discretionary Management Fee 0.65% 0.50% 0.35%
Estimated Underlying Fund Costs 0.30% 0.30% 0.30%
Estimated Annual Costs of Trading 0.05% 0.05% 0.05%
Total Annual Costs of Investing 1.00% 0.85% 0.70%