Fees, charges and key documents

Keeping you up-to-date

Investment Hub

Whether you invest in a fund with advice or without it, your investments will be held and managed in the Investment Hub and a fee will be charged to cover administration costs. 

This fee is based on the value of your investments held in the Investment Hub and is payable every 6 months.

 

Value held in Investment Hub

% p.a. on this band

The first £50,000

0.35%

Above £50,000 to £500,000

0.20%

Above £500,000

0.10%

Examples: how the fees could work

Example 1

If the total amount invested in funds is £10,000. Then the annualised total fee would be calculated as follows:

Value held in Investment Hub

% p.a. on this slice

Fee on this slice

£10,000

0.35%

£35.00 (0.35% x £10,000)

Total Platform Service Fee per year

£35.00

Example 2

If the total amount invested in funds is £200,000. Then the annualised total fee would be calculated as follows:

Value held in Investment Hub

% p.a. on this slice

Fee on this slice

£50,000

0.35%

£175.00 (0.35% x £50,000)

£150,000

0.20%

£300.00 (0.20% x £150,000)

Total Platform Service Fee per year

£475.00

You can find more details about the Platform Service Fee in the Investment Hub Key Features Document. It also includes detail on other fees, charges, interest rates and our best execution policy.

As with all investments your capital is at risk and you may get back less than you invest.

Depending on how you choose to invest you may pay an advice fee.

Advice type

Advice fee

Digital Investment Adviser    

 

£20

Face-to-face

The adviser will detail the fee in your first meeting before you agree to progress

Choose your own investment without advice 

No advice fee

There are costs and expenses of managing an investment fund, which are deducted from the value of the fund by the fund manager. This can be found in the relevant fund’s Key Investor Information Document and is referred to as the Ongoing Charge Figure (OCF), which you can review before you invest.

Ways to invest

Digital Investment Adviser

For investments up to £20,000, our Digital Investment Adviser recommends which fund, from a limited range, is right for you. This service is accessed and managed through the Investment Hub.

It's easy to use, shows what you could potentially get back from investing and when you're happy you can buy your suitability report for £20.

Face-to-face advice

 

For investments over £20,000, our team of Financial Planning Managers may be able to offer you investment advice.

Our experts give you personalised advice and recommendations based on your situation.

Choose your own investment

Our Investment Hub makes it simple to open our Stocks and Shares ISA or an Investment Account.

Choose from a wide range of investment funds and start with either a lump sum or monthly payments. No advice is provided.