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Wealth Club launches investment portfolios for HNW investors


Wealth Club has launched it new Wealth Club Portfolio Service – an online investment portfolio management service exclusively for high net worth and sophisticated investors.

The service consists of five multi-asset portfolios managed by Wealth Club’s Head of Research, Jonathan Moyes and his team. Moyes previously co-managed £400 million of discretionary portfolios at boutique investment house Whitechurch Securities.

Investors can expect a similar portfolio to one they might get from a private bank or high-end wealth manager but without the hefty price tag. Average ongoing costs (including management, platform and ongoing fund charges) are 1.08%. This means investors could end up paying up to 40% less than though an adviser, or a similar amount to managing a typical fund portfolio themselves on a DIY platform

Features of the Wealth Club Portfolio Service include:

  • Five managed portfolios offering a variety of risk levels
  • Investment across a wide range of asset classes including bonds, equities, property, infrastructure and private equity
  • Blend of passive and actively managed funds, as well as investment trusts
  • Savings of up to 40% versus conventional wealth manager giving advice, and similar cost for an investor managing a typical fund portfolio themselves on a DIY platform

Alex Davis, founder and CEO of Wealth Club, said that the Wealth Club Portfolio Service has been a number of years in the making.

“The idea was born out of personal experience,” said Davis. “I have been investing since my teens and built a significant portfolio of funds and shares in ISAs, pensions and just on their own. Whilst many of these made sense at the time, the result is a mish mash of different funds and shares. I wasn’t quite sure if they fitted together any more, and managing them myself was getting very cumbersome.”

Davis says he knows he’s not not alone: “Many friends and clients tell us the same thing regularly.”

Wealth Club says that despite the proliferation of innovative digital investment services, the wealthier, more sophisticated part of the market remains underserved. “If you’re a relatively experienced investor and have significant assets, you probably don’t want to invest them with a robo adviser,” Davis added. “So, you either go down the DIY route or put up with the fees an adviser, wealth manager or private bank might charge.”

The Wealth Club Portfolio Service provides an alternative. Investors have the benefits of a modern digital solution, namely convenience, simplicity and low costs, but without compromises on investment choice. The portfolios are well-diversified, with exposure to all the main asset classes, including the likes of private equity and infrastructure.

“They are the sort of portfolio a private bank or wealth manager might build for you – but without the hefty price tag,” said Davis. “In fact, you could pay around 40% less than you would if you used an adviser and roughly the same if managing a typical fund portfolio yourself on a DIY platform.”

Jonathan Moyes, Head of Research and manager of the Wealth Club Portfolios, said that each portfolio will invest across low-cost index funds, specialist actively managed funds and investment trusts. Investors can typically expect each portfolio to be invested across 30 -45 funds.

Combining this investment approach with an online service means Wealth Club can offer its clients “a sensible well diversified investment portfolio. And, because the service is delivered online, at a low cost.”

Wealth Club is also championing the use of investment trusts within the portfolios. The investment trust sector includes some real gems and allows Wealth Club to boost diversification, providing access to less liquid assets such as infrastructure and private equity.

“These investments have the potential to deliver superior returns over the long term but are rarely found in larger or lower cost investment portfolios,” said Moyes.

Details of the Wealth Club service:

  • Available in a GIA, ISA and SIPP
  • Minimum investment: £100,000 across all portfolios
  • Choice of five investment portfolios: Conservative, Balanced, Growth, Adventurous
  • Growth and Income
  • 35% – 50% invested in passive and active funds, 10-20% in investment trusts
  • Average ongoing charges of 1.08%

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This article does not constitute investment advice. Make sure you do your own research or consult a professional advisor.

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