• We build and manage your personalized, globally diversified investment portfolio

  • Different Investment Accounts to Suit Your Needs

  • When you open an account you’ll get a personalized asset allocation based on your risk score and the account’s tax status.

  • Regular Accounts

    1. Individual Accounts - Our most common account type that individuals open to build long-term wealth alongside their ISAs and pensions.

    2. Joint Accounts - Easily manage assets jointly shared between you and your spouse in a single account.

    3. Trust Accounts - Protect and manage your trust’s assets to help prepare the way for handing down your assets.

  • Tax Efficient Accounts


      1. The classic ISA is a tax-free wrapper around your nest egg. You can put invest in funds without paying any tax on your income or returns.

      2. You must be a UK resident aged 18 or over for a shares Isa or at least 16 for a cash Isa.

      3. Every tax year — April 6 to April 5 — you get a fresh Isa allowance. It’s £15,240 this year for each individual. It will be the same next tax year. For April 2017 to April 2018, it will be £20,000.

      4. BEST FOR: Everyone should have a Basic ISA.


      1. Parents can save up to £4,080 tax-free each year for their child. The money can stay in the account until he or she turns 18, when it becomes a basic Isa. They get control of the money at 16.

      2. Parents and carers of children under 18, born on or after January 3, 2011 or before September 2002, can open an account. Between these dates, your child will have a child trust fund, which you can switch into the Junior Isa. Children aged 16 to 18 can have a Junior Isa as well as a basic Isa.

      3. BEST FOR: All children under 18.


      1. These can be opened by widows, widowers and bereaved civil partners who have lost their spouse or civil partner since December 3, 2014. It’s essentially an extra Isa allowance on top of the usual £15,240.

      2. The allowance will be the same value as your partner’s ISA at the date of death and you put the cash into an account in your name, keeping all interest, income and withdrawals tax-free. You have three years after their death to do this, or 180 days after the administration of the estate is complete, if later.

      3. BEST FOR: Anyone whose spouse had an Isa when he or she died.


      1. First-time buyers can save up to £12,000 and get a 25 per cent bonus on savings of up to £3,000.

      2. The bonus can be used to buy a home costing up to £250,000 outside London or £450,000 in London. You can kick-start the account with a £1,000 lump sum then add up to £200 a month. You can take cash out for something other than a house deposit — but you will lose the 25 per cent bonus.

      3. Applicants must be 16 or over and have never owned a home in the UK or abroad. You can’t have saved more than £1,200 into a basic Isa in the tax year you open it.

      4. BEST FOR: Home buyers have to choose between a Help to Buy Isa and a Lifetime Isa. But you’ll be able to fold the former into the latter next year. So for now, open a Help to Buy Isa and see where you are in 12 months’ time.


      1. This completely new savings account will be available from April 2017for those aged 18 to 39. Save up to £4,000 a year and get a 25 per cent top-up from the Government. That means £1 for every £4, up to a maximum of £1,000. Anything you put in will use up some of the overall £20,000 Isa allowance for 2017-18.

      2. The money can be withdrawn at any time to buy a house worth up to £450,000. Or you can leave it in until you are 60. Any money taken out earlier for reasons other than a house deposit will face charges of 5 per cent. You’ll also lose the Government top-ups and interest or growth on them.

      3. BEST FOR: Younger, basic-rate (20 per cent) taxpayers who want to save for a home AND the long-term. It is also good for those who are self-employed and do not have an employer paying into a pension for them.


      1. A basic Isa that makes use of new rules coming in April. You can put in your whole £15,240 allowance, take money out and replace it without losing any of your tax-free entitlement.

      2. BEST FOR: Savers who need full access to their cash.

  • Small Business Pension schemes

    A small business pension plan that offers large annual contribution limits for yourself or employers. (under construction)

  • Giving you the benefits of diversification

    We employ all the major asset classes to build our portfolios. Each instrument is chosen based on its performance, relative cost, liquidity, and securities lending policies.

  • Transferring and funding accounts is easy

    Just set up a Direct Debit to fund your account each month (or week, or day, or year – it is up to you!), and it is done. We do the rest.

  • Easily access your accounts from any device

    Your investing experience is simple, elegant, and accessible across any device. It is unlike any other investment product you have ever seen.

  • Financial Planning

    1. A personalized strategy for each of your life goals. - We understand you are saving for all different life events: retirement, a house, to build wealth, or all of the above. Your investment portfolios should follow your life — not the other way around.

    2. The better we know you, the better advice we can give. - We will tell you how to allocate your money across stocks, bonds, commodities and real estate, how much to invest each month, and how much your other investments are costing you in fees and idle cash.

    3. Grow your money at the right level of risk. - Once we understand your goals, we customize our advice and build a personalized investment plan and portfolio for each one. When your portfolio is properly risk-adjusted, you are all set to achieve optimal returns, helping you to meet your goals as quickly as possible.

    4. Take a closer look at Investcity's customized goals and advice:

      1. Retirement - We provide a customized portfolio and deposit plan to ensure you have a comfortable retirement. It is tailored to your specific situation, and it evolves over time. Once you retire, we will tell you how much is safe to withdraw.

      2. Safety Net - This is one of the highest priority goals we recommend for investors, designed to ensure you have an emergency fund on hand without giving up potential growth over time.

      3. Build Wealth - There is often no specific reason to save, other than wanting to grow your wealth over time. That is fine! Allowing for flexibility, we will provide guidance according to your risk preferences and the length of time you want to stay invested.

      4. Major Purchase - This is for investors who are saving for a home down payment, university tuition, or any other specific purchase or event. It is typically for short- to medium-term goals, with risk decreasing as the goal nears completion.

      5. Creating goals is the smarter way to invest. - Creating goals is the smarter way to invest.

      6. We ensure that you are always on track. - We constantly monitor your account to ensure that you are on track to reach your goals.

Sign up for InvestCity today

InvestCity is the investment platform designed to grow and protect your money by optimizing your investment potential.
Sign up and secure your financial future, today.

Sign up Sign in