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
General Investment Accounts
(GIA) and Junior GIAs
Our GIA lets you invest in any combination of our seven risk levels and is available in GBP, EUR and USD base currencies
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.
Pensions
Our personal pension allows you to consolidate existing pensions and to save flexibly towards your retirement
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.
ISAs and JISAs
Benefit from tax free saving for you and your family
Make full use of your annual ISA and JISA allowances and consolidate existing ISAs and JISAs at Netwealth.
Charity, Trust and Corporate
Accounts
Netwealth’s discretionary service and cash flow planning is well placed to meet the needs of charities, trusts and corporates.
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.
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
Building Strategic Allocations
The long term mix of asset classes which drives the risk-return characteristics of each Risk Level
Instrument Selection
Deciding how best to gain exposure to our desired markets and selecting the most effective instruments
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 feesThe 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% |
