Do you suffer from “unwieldly portfolio syndrome”?

When you’ve been making investments over a long time, you might reach a point where you find the significant portfolio you’ve built has become a little unwieldy and in need of some tidying up. 

It’s what I describe as “unwieldy portfolio syndrome”. Do you suffer from it? If you can answer yes to these three questions, perhaps you do:

  1. Is it a while since you’ve looked at the whole of your investment portfolio? 
  2. Does it now look like too many holdings, too many fees, some redundant investments: could it do with some pruning?
  3. Are you concerned the holdings you’ve accumulated are still a good fit for your current situation? 

Important: The information on this website is for experienced investors. It is not a personal recommendation to invest. If you’re unsure, please seek advice.

Does this ring a bell? Don’t put off sorting it out – perhaps we can help

Perhaps you have a few ISAs, pensions from previous employers, each with a different provider – and meanwhile you’re paying various sets of fees and having to keep tabs on them all?

Or maybe you have a large collection of unit trusts and OEICs – plus individual shares that somewhat duplicate what you already have in your unit trusts or trackers. It’s so easy for this kind of redundancy to build up in investors’ portfolios. 

What’s more, if you have taken advice, you may feel your investments are bogged down by all the charges (see our previous article: Investment advice annual fees: good value for money or drag on returns?).

In my case, I looked across all my holdings and found myself asking: Which of these investments are still right for me? Am I taking too much risk – or not enough? Am I well diversified? Can I save on some of these charges?

To provide a simple solution – one I now use myself – we have created the Wealth Club Portfolio Service. This could be a way to get your portfolio in a better shape – quickly, simply and cost-effectively – but you will have to decide for yourself. 

Institutional-grade portfolios, but with a DIY investor price tag 

The Wealth Club Portfolio Service offers a choice of five well-diversified portfolios. Managed for you by our experts, these don't have too much in any one asset class or fund manager, and they aim to deliver enhanced performance in the long term (not guaranteed). 

Each is the type of portfolio a private bank or wealth manager might build for you – but without the hefty price tag. 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. You can invest in an ISA, a SIPP, a General Investment Account, or all three. Note, this is not personal investment advice: you choose the portfolio you think is best for you.

To my knowledge, there is no other online service like this: easy-to-use and specifically designed for wealthier and more sophisticated investors. Indeed, I have already transferred a large chunk of my own investments. 

Important: the Wealth Club Portfolios are discretionary managed portfolios of funds and investment trusts and are for the long term. They can go down as well as up in value – returns are not guaranteed. Before transferring a pension you should check the costs involved and whether you’d lose any valuable benefits. Currently, these portfolios are not available if you are in drawdown or intend to take benefits from the pension soon. The Wealth Club Portfolios are managed by Wealth Club Asset Management Limited, a wholly-owned subsidiary of Wealth Club Limited. 

How does the Wealth Club Portfolio Service work?

Our portfolios invest in a diverse mix of 30–45 actively managed and low-cost index funds as well as investment trusts. They give you exposure to equities and bonds from around the world but also infrastructure and other private assets; from mainstream managers such as Artemis and Fundsmith to those you might be less familiar with such as Comgest, Dodge & Cox and Brookfield.

There are five investment portfolios – Conservative, Balanced, Growth, Adventurous Growth or Income. You choose which you think is best for you, based on the level of risk you are comfortable with. We do the rest: make the investment decisions and regularly rebalance the portfolio. Note, this is not personal investment advice.

These portfolios have been over two years in the making. We have reviewed 2,509 funds and investment trusts. We have done all the time-consuming legwork so you don't have to. 

You can invest through an ISA, SIPP or General Investment Account (GIA). You can invest new money or transfer existing investments.

Who manages the Wealth Club Portfolio Service?

The portfolios are managed by our Head of Investment Research Jonathan Moyes and his team. Jonathan previously co-managed £400 million across over 10,000 discretionary investor portfolios at award-winning wealth management boutique Whitechurch Securities. 

Under Jonathan’s tenure, from 2011 to 2019, the average portfolio in each risk category significantly outperformed the average wealth manager. His portfolios also consistently won awards for their risk-adjusted performance (PAM Award – 2016, Portfolio Adviser – 2014/16/18, Citywire – 2014/15/16), and he is a Chartered Fellow of the CISI. Past performance is not a guide to the future. 

Register your interest

Wealth Club aims to make it easier for experienced investors to find information on – and apply for – investments. You should base your investment decision on the offer documents and ensure you have read and fully understand them before investing. The information on this webpage is a marketing communication. It is not advice or a personal or research recommendation to buy any of the investments mentioned, nor does it include any opinion as to the present or future value or price of these investments. It does not satisfy legal requirements promoting investment research independence and is thus not subject to prohibitions on dealing ahead of its dissemination.