Model Portfolios
Straightforward investing for you and your family
As our business has grown over the last 50 years, so too have our clients’ families.
Since many of our client groups now span three or even four generations we have created two additional investment services to join our long-standing and comprehensive Bespoke Service.
• Bespoke Service •
• Model Portfolio Service (new) •
• Next Generation Service (new) •
1. Bespoke
Service
2. Model Portfolio
Service
3. Next Gen
Service
Our Model Portfolio Service and Next Generation Service have been designed specifically for those wanting a straightforward investment solution or for younger family members new to the world of finance.
If you are looking to start saving for a grandchild, help a teenage relative on their way to a house deposit, or have a family member looking to invest, we now have an account to fit.
Available initially to existing clients and their families, we will be rolling out the Model Portfolio Service and Next Generation Service over the course of 2024 and 2025.
View worked fee examples below.
Model Portfolio Service
Our Model Portfolio Service or ‘MPS’ is a straightforward and cost-effective way of investing. Managed in-house and on a discretionary basis, three portfolios have been designed specifically to suit our clients’ attitude to risk.
You are matched to the most appropriate portfolio, focussing on attributes such as your investment time horizon and experience. ESG (Ethical, Social and Governance) themes are built into portfolios as standard. We invest in a broad range of diversified global assets across multiple sectors and currencies and our portfolios are reviewed regularly by our investment committee.
Download our printable MPS Information Sheet [PDF]
View the Investor Information page to download Fact Sheets and Key Investor Information Documents (KIIDs)
Charts are for illustrative purposes and subject to change.
Next Generation Service
Our Next Generation Service is a long-term and effective way of investing on behalf of the youngest members of your family, providing access to thousands of companies at a very attractive cost.
We match the client to an appropriate investment portfolio, accounting for their young age and time horizon, held within a tax-efficient account.
Charts are for illustrative purposes and subject to change.
Montgomery Wealth
Coming in 2025: forward-thinking investments and practical advice.
Dedicated to young clients building their career, growing a business, climbing the property ladder or raising their family.
Fees and charges
Model Portfolio Service and Next Generation Service
Our charges are designed to be transparent and highly competitive. The account setup and first investment is arranged under a single flat fee* and our annual management charge covers the ongoing management of the portfolio, asset allocation, strategic and tactical adjustments to the underlying holdings. Clients receive Quarterly Statements as well as an Annual Report and all activity including transactions, fees and charges are summarised neatly for you.
Fees are raised automatically directly from the account, with initial fees raised at inception and annual management charges raised on a monthly basis calculated on the portfolio’s total.
We do not charge for withdrawals, often referred to as exit penalties or redemption fees. Financial advice is available for clients of the Model Portfolio Service and Next Generation Service in the form of ad hoc advice at our hourly rate or as a Wealth Report with charges starting at £2,000.
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Montgomery Associates’ charges
Account set-up charge £400
(0.75% initial fee applies to future top-ups)Annual Management Charge 0.75% p/a
Raised from the portfolio on a monthly basis equating to £31.25 per month (£375 per annum).Platform and fund manager fees
Platform fees range from 0.05%-0.5% p/a depending on the sum invested.
Fund manager fees typically range from 0.25% to 1.00% p/a.
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Montgomery Associates’ charges
Account set-up charge £200
(0.50% initial fee applies to future top-ups)Annual Management Charge 0.50% p/a.
Raised from the portfolio on a monthly basis equating to £10.42 per month (£125 per annum).Platform and fund manager fees
Platform fees range from 0.05%-0.5% p/a depending on the sum invested.
Third Party manager ongoing fee is 0.35% p/a.
Please note:
Contact us to request our Terms of Business and Discretionary Management Agreement for full terms and conditions.
All annual fee examples assume the portfolio’s value remains unchanged. Please contact us for a worked example based on your specific portfolio.
* For the Model Portfolio Service and Next Generation Service, in cases we deem to be complex or those involving large sums, additional charges may apply where financial advice is a necessary requirement. This will be communicated to you in writing.