Personal Portfolio

To apply call

0800 027 4675

With our Personal Portfolio, you’ll be able to choose from a wide range of funds.

  • No additional charge for switching funds
  • Access to thousands of funds

For your overall charge, you'll get:

  • Access to thousands of funds from Standard Life Investments Ltd and other leading fund managers, covering different asset classes, regions and investment styles
  • Free withdrawals. This could have an impact on your potential returns
  • Phone support
  • Online access

With no extra charge for all of this:

  • Administrative changes to payment amount
  • Setting up your account
  • Any changes to your account

How is your overall charge calculated?

 

Platform charge

+

Total fund charge

=

Overall charge

 

This is the charge for the services we provide to you.

 

This is what a fund manager charges each year for investing in a fund. It’s made up of the annual management charge plus any additional expenses which apply.

 

This is total of the platform charge and the total fund charge. The overall charge does not include the cash management administration charge.

Skip to a full description of all our charges

Charges depend on where you choose to invest. Charges are not guaranteed and may change in the future.

Full description of all our charges

Platform charge

This is what we charge each year for the services we provide to you, including making and switching investments, providing information about your investments and phone support. The charge depends on the value of your platform eligible assets held in your account.

Annual equivalent rate of the charge

Value of your platform eligible assets Annual platform charge for platform cash account, ISA and Personal Portfolio
(deducted for each band)
On the first
£0 - £99,999.99
0.60%
On the next
£100,000 to £249,999.99
0.55%
On the next
£250,000 to £499,999.99
0.50%
On the next
£500,000 to £749,999.99
0.45%
On the next
£750,000 to £999,999.99
0.35%
£1,000,000 + 0.30%

Total fund charge

This is what a fund manager charges each year for investing in a fund. It’s made up of the annual management charge plus any additional expenses which apply. View our Personal Portfolio fund range for information on individual fund charges.

  • Annual management charge: A charge applies to money invested in funds to cover the costs of running them. This is known as the annual management charge (AMC) and is shown as an annual rate. However, the AMC is deducted from each fund on a daily basis, which has the effect of reducing its unit price. The AMC is also sometimes referred to as the fund management charge (FMC).
  • Additional expenses: Additional expenses may be deducted from some funds. They include items such as custodian, third party administration, trustee, registrar, auditor and regulator fees. Where a fund invests in other underlying funds, they may also include the underlying management charges. As the additional expenses relate to expenses incurred during the fund management process, they will regularly increase and decrease as a percentage of the fund, sometimes significantly. The additional expenses figure shown is the annual rate of the charge. Where additional expenses apply, they are taken into account when the fund's unit price is calculated each day.

Overall charge

This is the platform charge plus the total fund charge. The overall charge does not include the cash management administration charge.

Charges are not guaranteed and may change in the future.

They are reviewed regularly and we can alter them in accordance with our terms and conditions. More details are available in the Terms and Conditions (PDF, 624KB).

Interest rates and charges for cash accounts

With our Personal Portfolio you are automatically set up with two cash accounts. We may pay an interest rate on the cash held in these accounts. We apply a cash management administration charge (CMAC) for the administration of the cash held in these accounts. Different interest rates and CMACs may apply to each account. For more information on interest rates and CMAC.

You can find full details of all charges and terms in the ISA and Personal Portfolio Terms and Conditions and Wrap Services Customer Terms and Conditions.

Remember that unlike a bank account or Cash ISA this is an investment. The value of your funds can go up or down, and may be worth less than you paid in.

This Personal Portfolio is provided by Standard Life Savings Limited and is arranged through Standard Life Client Management Limited.

Call us on 0800 027 4675

Call charges will vary.