The value of investments and any income from them can fall and you may get back less than you invested.
Why invest with us
Put some of the finest minds in wealth management to work for you. Invest from £2,000 using our quick, easy and low cost online investment service.
Benefit from over two centuries of investment experience.
Quick and easy to apply and hassle-free to invest.
24/7 access online or via our app.
High value, low cost
Keeping our charges as low as possible means you can be sure that you will see the maximum benefit from your investments.
Freedom to choose
With a range of six portfolios to choose from you will find one that matches your own attitude to risk and return.
Putting your interests first
Over 250 years we have learned to take a long-term view of investments and client relationships.
The Brewin Portfolio Service offers you access to the investment expertise and experience of a leading wealth manager. Your investments will be selected by our award-winning research team and will join nearly £39bn of investments managed for some of the UK’s most successful people. Our online investment platform means it is easy to check on performance whenever and wherever you want.
Three types of account
Take advantage of the higher potential returns of stock market investment using a flexible General Investment Account, or GIA.
A General Investment Account can help you to make the most of your money if you have already used up your annual ISA allowance, currently £20,000. There is no limit on how much you can invest in a General Investment Account. The minimum investment in our BPS GIA is £2,000.
Just like an ISA, you can invest in any of our six ready-made portfolios. Each BPS portfolio invests in a range of funds, giving you a wide spread of investments and reducing risk. Bear in mind, though, that the value of investments can go down as well as up, so you might get back less than you invest.
Stocks & shares ISA
With a Stocks & Shares ISA you get all the benefits of a general account, plus tax-free returns on up to £20,000 of contributions each year.
Income and capital gains made in an Individual Savings Account are free of tax. This tax efficiency allows your money to work harder for you. If you do not use your annual allowance you lose it, so remember to invest before the end of the tax year.
It generally makes sense to invest for the long term to maximise your returns. But it is also good to know you can withdraw your money from a Stocks & Shares ISA whenever you need to. The minimum investment in an ISA account with our service is £2,000. Always bear in mind that the value of investments can go down as well as up, so you might get back less than you invest.
Saving for the next generation is one of the reasons we have been here for over 200 years. Our Stocks & Shares Junior ISA enables you to invest for your children’s future.
With a Stocks & Shares JISA there is no income tax or capital gains tax to pay on the investment returns. Investing through a Junior ISA means there are no tax complications for the youngster or for you.
A Stocks & Shares Junior ISA has the potential to deliver higher returns than the alternative, a Cash Junior ISA. This is the particularly the case if you are investing when the child is a baby or a toddler – as the JISA can continue to grow until the child turns 18. However, cash is guaranteed while investments can fluctuate in value.
Up to £4,260 can be invested on behalf of each child in a JISA this tax year. For JISAs our minimum investment is a lump sum of £1,000 or a £100 a month regular contribution.
Your choice of portfolios
Before taking advantage of the Brewin Portfolio Service, you will need to decide what level of risk you are comfortable with. Our model portfolios offer six different risk categories. By adjusting the asset mix in each we have made it simple to find a portfolio that is right for you.
NO INVESTMENT RISK - PORTFOLIO NOT AVAILABLE
You are completely averse to any investments that could put your capital at risk. You accept that, in light of inflation, this is highly likely to have the effect of eroding the purchasing power of your capital. This typically means that your money will be held in cash, building society accounts or national savings.
EXTREMELY LOW RISK - PORTFOLIO NOT AVAILABLE
You are prepared to accept only a very limited risk of loss to your capital. As a result your investment portfolio is likely to be composed of interest bearing assets with limited potential for short or long-term growth. You accept that in light of inflation, this strategy may have the effect of eroding the purchasing power of your capital. This means that you will still typically invest in cash and national savings, but will also have some exposure to fixed income investments (in the form of UK Government securities - gilts) and to equities (in the form of collective investment schemes).
VERY LOW INVESTMENT RISK PORTFOLIO
You are averse to risk and therefore not comfortable with significant investments in your portfolio which might put your capital at risk. Preservation of your capital is very important to you and you would like to maintain the real value of your investments against inflation. Your portfolio will typically have some exposure to equities and a proportionately higher exposure to fixed income investments, at least some of which will contain market exposure.
LOW INVESTMENT RISK PORTFOLIO
You are not comfortable with having the majority of your portfolio in higher risk investments such as equities. Capital preservation is important to you and you would like to maintain the real value of your investments against inflation. Your portfolio is likely to be more evenly balanced between equities and fixed income investments.
LOW TO MODERATE INVESTMENT RISK PORTFOLIO
You would like a significant proportion of your portfolio to be in higher risk investments and you are willing to accept a greater short term potential for losses from your overall portfolio, in order to generate potentially higher long term returns. Your portfolio may typically have a higher exposure to equities than fixed income investments and is likely to have low to moderate levels of market volatility.
MODERATE INVESTMENT RISK PORTFOLIO
You are prepared to have the significant majority of your investments in equities in order to achieve higher returns at the expense of greater risk to your capital. Your portfolio will typically have a substantially higher weighting towards equities than fixed income investments and is likely to have moderate market volatility.
MODERATE TO HIGH INVESTMENT RISK PORTFOLIO
You would like to have the opportunity for large scale returns and you are comfortable with having a larger proportion of your capital at risk, and accept the possibility of larger short term losses, in order to achieve your long term investment aims. Your portfolio will typically have a very high weighting towards equities and very low levels of fixed income investments. Your portfolio is likely to have moderate to high market volatility.
HIGH INVESTMENT RISK PORTFOLIO
You would like to have the opportunity for high returns and you are prepared to accept the possibility of a significant loss of capital in order to achieve these greater potential returns. Your portfolio will typically be almost exclusively invested in equities. Your portfolio is likely to have high market volatility.
VERY HIGH INVESTMENT RISK - PORTFOLIO NOT AVAILABLE
You are willing to invest in higher risk and speculative investments to achieve high possible returns and accept the risk of losing all, or a substantial part, of your capital. Typically, this could include very high risk investments such as venture capital trusts, enterprise investment schemes, business property relief schemes and other specialist investments.
EXTREMELY HIGH INVESTMENT RISK - PORTFOLIO NOT AVAILABLE
You are prepared to make wholly speculative investments, fully aware of and accepting the possibility of losing all of your capital. This could typically be in the form of derivatives and contingent liability investments, which often include gearing, which means you could lose more than your initial capital investment. You are totally insensitive to risk.
Our fees explained
Our portfolios are geared to minimise costs. On investments above £2,000 you will pay a total of between 0.81% and 0.86% a year for our service, charged in easy-to-manage monthly instalments.
The fee you pay is made up of two separate charges: an annual charge of 0.7% of the value of your portfolio for each account and charges on underlying funds in which your portfolio is invested. These fund charges are typically between 0.11% and 0.16% per year.
The table below illustrates, in cash terms, exactly how much you will pay for Brewin Dolphin’s management of the Brewin Portfolio Service (BPS). As you can see, the charges rise depending on the portfolio balance. Any other charges that may apply, such as for withdrawals or account closures, can be seen in our Frequently Asked Questions section.
Illustrative charges on a range of portfolio values
|Service fee @ 0.70%||£14||£35||£70||£105||£350||£700|
|Estimated underlying Annual Fund charges @ 0.16%||£3.20||£8||£16||£24||£80||£160|
|Total Estimated Annual Service Cost||£17.20||£43||£86||£129||£430||£860|
|Charged monthly at:||£1.43||£5.83||£5.83||£8.75||£29.17||£58.33|
The BPS investment minimum is £2,000, however you can start a Junior ISA or a Bare Trust from £100.
UK VAT and Stamp Duty is applied on fees and charges in line with applicable legislation. Other duties, transaction taxes etc. may apply in certain cases in line with overseas law.
I'm ready to take the next step
Whether your investment journey is just beginning or you’re already a seasoned investor, BPS can help you to meet your savings goals. If you have any question or need help with your online application, call our dedicated customer services team on 0333 207 9003. Remember, when investing your capital is at risk.