Wealth Management as it should be
Meeting your investment needs 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)
Our GIA lets you invest in any combination of our seven risk levels and is available in GBP, EUR and USD base currencies.
Pensions
Our personal pension allows you to consolidate existing pensions to save flexibly towards your retirement.
ISAs and JISAs
Benefit from tax free saving for you and your family.
Junior Investing (JISAs and Junior GIAs)
Start investing today to meet your family's current and future financial goals.
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.
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.
Our family and friends Network allows clients to share the benefits of the Netwealth service.
Clients can invite up to seven additional family members or friends to join their Network, providing access to the service and driving fee benefits for everyone. Fees are calculated on the Total Invested Amount from all members of the Network and each individual can still pursue the financial goals that best suit their age and requirements. This is particularly powerful for families wanting to share investment benefits across generations.
Watch the video to see how this works in practice.
Investment Approach
Netwealth offers seven portfolios in each of three home currencies: sterling, euro, and US dollar. Portfolios span a wide range of risk profiles to give all clients the best chance of meeting their investment goals.
We invest predominantly through passive funds and Exchange Traded Funds to ensure high levels of diversification and to help keep costs low.
Our Approach in DetailExperienced investment team
Long-term, strategic thinking
Low costs mean investment returns compound faster
100% daily liquidity
Netwealth Portfolio Range
Recommended minimum holding period: 1 month to 2 years
Long-term performance target: Cash-equivalent return
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 50% | 50% | 0% | 0% |
Recommended minimum holding period: At least 3 years
Long-term performance target: Matching inflation
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 22.6% | 52.3% | 19.3% | 5.8% |
Recommended minimum holding period: At least 3-5 years
Long-term performance target: Inflation + 1%pa
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 7.9% | 55.4% | 29.1% | 7.6% |
Recommended minimum holding period: At least 5 years
Long-term performance target: Inflation +2%pa
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 2.2% | 43.8% | 46.2% | 7.8% |
Recommended minimum holding period: At least 5-7 years
Long-term performance target: Inflation +2.5%pa
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 2.2% | 31.2% | 60.6% | 6.0% |
Recommended minimum holding period: At least 7-10 years
Long-term performance target: Inflation +3%pa
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 2.1% | 18.6% | 75.8% | 3.5% |
Recommended minimum holding period: At least 10 years
Long-term performance target: Inflation +3.5%pa
Typical allocation to:
| Cash & Money Markets | Bonds | Equities | Alternatives |
| 1.8% | 8.0% | 90.2% | 0% |
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 | 0.20% | 0.20% | 0.20% |
| Estimated Annual Costs of Trading | 0.10% | 0.10% | 0.10% |
| Total Annual Costs of Investing | 0.95% | 0.80% | 0.65% |
We do not charge initial fees or fees to transfer in pensions, ISAs or cash.
