One fee, stated once
0.65% a year, all in. No transaction charges, no platform fee, no performance cut when the market does the work.
Total portfolio
£4,182,640
+102.5% over one year
Held to maturity, laddered across two years. This is the part of the portfolio that is meant to be boring, and it is doing its job.
One fund, market weighted, rebalanced twice a year. We do not pick stocks and we do not charge you for pretending to.
Illiquid by design and priced quarterly. Expect the number to sit still and then move all at once.
Twelve months of drawdown held in instant access, so a bad quarter never forces a sale.
Illustrative portfolio with sample figures. Not advice, and not a real account.
Approach
Four commitments, in writing.
We do not pick stocks
Index funds and gilts, rebalanced on a schedule. Most active managers underperform their benchmark over a decade, and we are not going to pretend to be the exception.
You keep twelve months in cash
Enough liquidity that a bad quarter is an inconvenience rather than a forced sale.
Your adviser answers the phone
One named person, not a rota. If they leave, you meet the replacement before the handover, not after.
Fees
0.65% a year. That is the whole schedule.
On £4 million that is £26,000 a year, billed quarterly and shown on every statement. Underlying fund costs average a further 0.09%, which we publish rather than bury.