Creating your portfolio
Our smart, online advice process means that you can have a portfolio of investments tailored for you in less than 30 minutes.
Once you have completed a series of simple questions about your finances and attitudes towards money, we will determine a portfolio designed to provide a return on investment that is line with your attitude to risk.
It's quick, easy to use, highly intuitive and shouldn't take more than 30 minutes.
What's more, we won’t let you invest unless we believe it's the right approach for you.
How we advise you?
We advise you on the right investment portfolio for you by taking into account your financial position and attitude to risk. We will check to make sure you can afford to take the risk associated with your investment before you proceed.
We offer as little or as much advice as you need so at any point you can pick up the phone and speak to one of our Advisers. If either you or we feel you need more comprehensive financial advice, we will put you in touch with someone who can help.
We are regulated by the FCA and we take responsible advice seriously. We don't even start to think about building a portfolio for you until you've completed the online investment advice process and we have a good understanding of your circumstances and your attitudes towards money.
If at any point, we don’t think it's right for to invest, or we don't think you can afford the risk we will be sure to tell you.
Where do we invest?
Once we understand the level of risk you are willing and able to take, we will start building a portfolio for you based on the highest potential return on investment for a given level of risk.
We invest in a range of funds provided by the likes of Legal & General, Vanguard and Threadneedle to name but a few - a diversified portfolio of Fund Managers who have demonstrated their longevity and experience over a number of years.
How do you manage my portfolio?
As your money is invested in a discretionary portfolio, our investment managers will review each of the underlying funds regularly to assess whether they are suitable to be part of your balanced portfolio of investments.
If our managers believe that a fund is no longer the best place to invest, we will replace it with one that is more suitable as part of the discretionary management service.
Download our white paper on the 'Fundamentals of investing'
Learn about the importance of diversification and managing risk.
Can I change my risk level or investment amounts?
If your situation or goals change at any time, you can complete an online investment review at any time. You can also change your risk level at any time to maximise the potential return on investment for the level of risk you are willing and able to take.
We will contact you at least annually to complete a review of your investments but if your circumstances change in the meantime, just go online and we can make the changes accordingly.
Remember, you can speak to one our Advisers at any time should you need to.
What we need from you
- NI Number
- Details of your income and outgoings
- Details of your current savings and investments
- Details of any debts/mortgage etc
- We may need your Passport or Driving Licence details
What information will you provide me about my investments?
As part of your portfolio management service, we will provide you with a valuation of all investments held on your behalf on an annual basis. In addition, you will receive a statement of your holdings and any cash balances held on your account every six months.
Of course, you will have online access to your account which enables you to obtain valuations at any time 24 hours a day, 7 days week.