new tax year

New Tax Year 2018/19

Open a new ISA or top up an existing one to make the most of your £20,000 tax-efficient savings allowance in the new tax year. Capital is at risk. Tax benefits depend on individual status. Tax rules subject to change.

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Spring Statement 2018

Read our summary of the highlights of the Chancellor's latest statement.

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Self-Directed service

Wherever you are on your investment journey, we're here to help

Invest your way, with a Self-Directed service that is designed to help you achieve your goals

You may be focused on accumulating wealth, or generating income; investing for your own, or your family’s future. Our Self-Directed service is designed to help you achieve your goals, with solutions to suit everyone at each stage of their life.

Our online service gives you the freedom to select, review and manage your investments whenever you want. You can choose from an extensive range of investments including managed funds from Close Brothers and other leading names, as well as exchange traded funds (ETFs), UK stocks and shares, UK Government bonds (gilts) and investment trusts. Additional assets such as property, mortgages, art collections and loans held with other providers can also be added to your online account, providing you with a more detailed view of your wealth.

We also offer fixed term deposits (FTDs) at competitive rates from Close Brothers Savings.

You can hold your investments in a tax-efficient ISA,SIPP or Investment Account.

Why choose us?

  • Wide choice of investments
  • Convenience and value for money
  • Clear, easy to understand pricing – no hidden costs or charges
  • Expert insights and research from our own in-house investment team
  • Friendly support by phone or email

No advice will be provided by this service; all decisions, and the responsibility for them, are your own.

Investing with us is easy. Why not start today?

Choose an ISA, SIPP or set up a General Investment Account. You can also transfer-in other investments you hold elsewhere, and enjoy the convenience and control of having all your transferable assets in one place. 
Become an online client now


Invest for your retirement, your way

A SIPP (Self-Invested Personal Pension) lets you take control of your retirement planning. It gives you greater freedom to choose the investments you believe are right for you. You can also change your investments at any time.

SIPPs allow you to save for retirement tax-efficiently, while offering you a much wider range of investments than a traditional pension scheme. They are ideal for people who feel comfortable making their own investment decisions, and want more flexibility in how they save for their retirement.

Looking for dependable returns?

If you would like more predictable, regular return on your investment, we have a range of gilts and cash deposits available for you. We also offer income versions of these investments which could provide regular returns if needed.

These investments can help provide you with extra income or complement a stocks and shares portfolio by adding steadier returns and lowering volatility.

Make the most of your ISA

A Close Stocks & Shares ISA (Individual Savings Account) is a straightforward, flexible way to invest that lets you benefit from potential stock market growth, completely free of income tax or capital gains tax. You don’t even need to mention ISAs on your tax return.

Stocks & Shares ISA

The tax benefits of ISAs mean they are a great way to make your money work harder. You can invest up to £20,000 in an ISA in the current tax year – that’s £40,000 for a couple. You can also transfer investments held in less tax-efficient accounts, or set up monthly contributions.

If you do not already have an ISA for this tax year, you can open one now and start investing today. The deadline for investing is 5 April, so make sure you take full advantage of this highly tax-efficient way to invest.

Looking for some ISA inspiration?

Making investing even simpler, the Close Managed Funds are specially selected portfolios managed by our investment team. Just pick a fund that matches your needs for income and growth.
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Our Close 50 funds list gives you a shortlist of third-party funds that our research team see as interesting long-term opportunities. 
Read more

Enjoy regular updates from our investment experts, who actively research and trade in the markets every day.

Read more

Why choose us for your ISA?

  • No annual ISA fee
  • No charge for transfers-in*
  • Invest in your choice of funds, UK stocks and shares, and gilts
  • Our Investor Support Team are on hand to help you 

Ideally you should invest for the medium to long term though you can access your money at any time, without penalty.

By opening your 2018/19 ISA with the Close Brothers Self-Directed service you can benefit from our competitive platform fee of 0.25% a year.

Please note that any tax benefits will depend on your personal tax position and rules are subject to change. The value of investments can go up as well as down and you may get back less than you invested.

*The transferring provider may make a charge for transferring investments or cash proceeds to Close Brothers Asset Management.

For more information on ISAs and any recent changes, please read our guide to the Stocks & Shares ISA.

Self-Invested Personal Pension (SIPP)

Why choose a Close SIPP?

  • No SIPP administration fee – unlike some other providers
  • You can choose from a wide range of investment options including funds, UK stocks and shares, gilts and fixed term deposits
  • You can manage your SIPP in the same place as your other investments, giving you a single overview of your portfolio
  • Our investment team provide regular insights and research to help you make better informed decisions

SIPPs and tax

If you are a UK resident, the maximum amount of contributions on which you can obtain tax relief is the greater of £3,600 p.a. or 100% of your relevant UK earnings, subject to the Annual Allowance set by HM Revenue & Customs (currently £40,000, including both member and employer contributions across all arrangements). 

Where your total contributions exceed the Annual Allowance, an Annual Allowance charge may be levied on the excess.

If you require more information about our SIPP, contact our Investor Support Team on 0800 014 2712.

Please note that any tax benefits will depend on your personal tax position and rules are subject to change. The value of investments can go up as well as down and you may get back less than you invested. 

The Financial Conduct Authority is the independent financial services regulator. It requires us, Close Asset Management Limited, to give you this important information to help you to decide whether our Close Stocks & Shares Individual Savings Account (ISA), and/or our Close Investment Account and/ or our Close SIPP is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.

Fixed income and deposits

Fixed Term Deposits

Our fixed term deposits from Close Brothers Savings offer you the safety and simplicity of a fixed-return cash deposit, at a competitive rate of interest.

You can choose to invest for 1, 2, 3 or 5 years. The minimum deposit is £10,000 and there is no charge to hold a deposit.

The latest available rates can be found on our online portal:
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Gilts are Government-issued bonds that pay a fixed amount of interest for a set period. Although their value may fluctuate over time, the original capital amount is repaid at the end of the term if held until maturity. The rate of interest they pay is determined at the time they are issued.

Index-linked gilts are also available, which pay returns linked to the Retail Prices Index. These help protect your investment against the effects of inflation. While gilts are not entirely risk-free, they are seen as one of the safest investments. Unlike a private company, the Government has the option of raising taxes in order to meet its obligations to investors.

Investment accounts

The investment account you put together

If you’re ready to invest, we’re here to make it easy.

Our investment accounts let you invest in UK stocks and shares, deposits, gilts, managed funds and exchange traded funds (ETFs), so you can create an investment portfolio that’s right for you.

If you have already invested the full amount into an ISA, our investment accounts give you another way to invest, with no maximum limit. If you simply want to trade a selection of UK stocks and shares, gilts or ETFs.

If you have multiple goals or reasons for investing you can open as many accounts as you want. Each account can hold your ideal combination of our available investments.

Have you used your full ISA allowance?

An ISA lets you invest in a wide range of stocks, shares and bonds, free of all income and capital gains tax. 
Find out more

Choosing your investments

Once you’ve registered and logged in to our service you can see the full range of investments available by clicking on the ‘Search Investments’ tab.

If you’re not ready to invest straight away you can hold items in your basket. This lets you monitor their performance until you’re ready to invest.

Investing in funds

Investment funds offer many benefits – a diverse range of assets, a broad spread of risk and full-time, professional management. You can invest for income, growth, or a blend of both.

Funds are collective investments. They make it easy to diversify your investments across different asset classes and markets. Your money is pooled with that of others and invested by a professional manager across a wide range of stocks, shares and bonds.

Why is diversification important? Because different assets perform in different ways, depending on where we are in the overall economic cycle. A diverse portfolio gives you exposure to lots of different opportunities, with a broad spread of risk.

Funds can also provide access to investment strategies not usually available to individual investors, such as hedge funds.

As well our own managed funds, we also offer the Close 50 – funds from other providers that our research team believe offer interesting opportunities.

You can see all the funds available by clicking on the ‘Search Investments’ tab.

Pick your own stocks

Our online investment service gives you an easy, cost-effective way to trade in UK-listed stocks and shares.

The value of investments can go down as well as up, and you may get back less than you invest.

Helping you make better informed decisions

Choose our Self-Directed service and you’ll also benefit from expert analysis and research from our investment team. They are constantly trading in the markets and manage the portfolios of thousands of investors across the UK.

To access our knowledge and insights, register or log in to our online service.
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In-depth research

Take advantage of our institutional-quality research which we have made easy to understand. When you’re drawing up your shortlist, our fund factsheets may help by giving you detailed information about investment styles, objectives and track records.
Log in to see our latest research and opinions

The Close 50

Want to shortlist third-party funds, quickly? The Close 50 is a list of external funds specially selected by our Investment Team, who believe these funds offer excellent opportunities over the long term.

The team analyse thousands of funds and meet with hundreds of fund managers each year, making sure they fully understand their objectives, processes and strategy. Our experts then provide regular analysis, with monthly commentaries by email.

Please remember that past performance is not a reliable predictor of future returns. 



What does it cost?

Our fees are clear, competitive and easy to understand. There’s no charge for setting up your account, buying, selling or switching funds, and no annual fee for your ISA, SIPP or investment account however there is a platform fee of 0.25% per year, deducted monthly.

To the extent that we charge a dealing fee, this will not exceed £8.95. You should always check the online trading screens and any order confirmations prior to submitting your transaction request, as any applicable fees and charges will be clearly shown.

You’ll find all the details you need on the factsheet or pricing FAQs below. If you have any questions, please call our Investor Support Team on 0800 014 2712 from 08:00–18:00 Monday to Friday. 

Pricing FAQs

Will I be able to see what I am paying when I invest?

Yes. In line with rules issued by the Financial Conduct Authority (FCA), you can only make new fund investments into "clean" (commission-free) share classes of funds on our platform. You will understand exactly what you are paying for and where it is going (such as to the platform provider or fund manager).

Who do I pay when I invest in funds?

When you invest in "clean" (commission-free) share classes of funds you will pay an Annual Management Charge (AMC) to the fund manager. You will pay Close Brothers a separate “platform fee” for using our platform to buy, sell and hold your fund investments.

What is your platform fee for investing in funds?

Our standard fee for investing in funds is 0.25% each year, deducted monthly.

What are the fees for Exchange Traded Investments (ETIs)?

The platform fee for holding ETIs (stocks and shares, investment trusts, exchange traded funds, gilts and any other exchange-traded securities) is 0.25% each year.

To the extent that we charge a dealing fee, this will not exceed £8.95. You should always check the online trading screens and any order confirmations prior to submitting your transaction request, as any applicable fees and charges will be clearly shown.

Do you calculate the platform fee across all of my accounts?

The platform fee for funds will apply as a percentage of the total you hold in any of your accounts (excluding fixed term deposits), including your Investment Account, your Close ISA and your Close SIPP.

Will I be charged a platform fee for holding cash?

You will not be charged a Platform Fee to hold cash in your account(s), although the interest we pay to you on any cash held might be less than the amount we receive.

What does my platform fee pay for?

The platform fee is charged for platform-related services including dealing, administration, custody and reporting.

Do you charge a separate fee for setting up or holding the Close SIPP or ISA(s)?

No, we do not levy an administration charge for holding the Close SIPP, Close ISA or an Investment Account.

I’m thinking of closing my account, will I be charged to transfer my investments to another provider?

Close Brothers Self-Directed service does not charge exit fees for transferring an ISA, SIPP or Investment Account to another provider.

Are all of my accounts included when you calculate the rate I will pay?

All of your Self-Directed accounts are included when we calculate the fee you pay.

What investments do you use to calculate the fees?

We calculate the platform fee against any funds and/or exchange traded investments (ETIs) you hold in any of your accounts. The following investments do not attract a platform fee: 

  • Cash held on the portal within your Close ISA, Close SIPP or Investment Account
  • Fixed term deposits

All portfolios have a capital account where investments are received, withdrawals are paid from and trading transactions are placed. Ongoing advice, management and platform fees are deducted from the cash held in the capital account of each portfolio. The only exception is where a fee divert has been set. This allows the ongoing fees to be levied on an ISA to be diverted and collected from an investment account. If you wish to set up a fee divert, please contact the Investor Support Team.

When do you calculate and deduct fees from my account?

Platform fees are calculated on the last day of each month and deducted from your respective Product Cash Account on the second day of each month (including weekends). A single platform fee will be deducted which would be applicable to any exchange traded investments (ETIs) and funds you hold.

What happens if I don’t have enough cash in my account to pay for fees?

If you don’t have enough cash available in your applicable accounts, we may sell some of your investments to cover your charges. Where we do this, we will sell investments on a least volatile stock first basis. You should be aware that the sale of investments for these purposes may occur at a disadvantageous time or may result in a tax charge for which we shall not be liable. Where this occurs outside of a tax wrapper, you mat need to take this into consideration when calculating any capital gains tax liability. 

Will I see how much you’ve deducted from my account?

You will be able to see the amount we’ve deducted each month online under “Account Activity".

What will happen to my existing bundled investments?

Your existing investments will remain in “bundled” (commission-paying) share classes unless you transfer them, or we convert them into the “clean” share class version.

What is the difference between bundled and clean share classes?

Previously, your "bundled" investments were denoted with a star (*) online and on your statements. If you still hold this type of investment, they will no longer be denoted as such on the updated portal. If you wish to know if any of your investments are bundled, please contact the Investor Support Team.

Can I hold both bundled and clean share classes of funds at the same time?

Yes, however “bundled” (commission-paying) share classes of funds are no longer available for new investment. If you hold bundled share classes, Close Brothers will continue to be paid via a rebate from the fund manager.

Will I pay charges when I buy, sell or switch funds?

No, we do not levy any additional charges when you buy, sell or switch funds on our platform.

Are there fees for buying and selling shares?

To the extent that we charge a dealing fee, this will not exceed £8.95. You should always check the online trading screens and any order confirmations prior to submitting your transaction request, as any applicable fees and charges will be clearly shown.

I still have some "bundled" commission-paying share class investments that I want to switch to clean share classes, can I do this on the platform?

Yes, you are able to use our switch functionality to change from “bundled” (commission-paying) share classes to “clean” (commission-free) share classes online. It’s important to note that when you perform a switch your money will be un-invested for the period your units are being sold and re-purchased. Most “bundled” share classes you hold on our platform that have a clean equivalent will be converted to “clean” share class equivalents later in the year to bring costs down for most of your investments, if you’d prefer not to switch yourself. Your money will remain invested while we do this.

Can I transfer investments to your platform?

We can only accept “clean” share classes in-specie; any “bundled” share class investments you hold must be sold and then transferred as cash.

Can I still make a regular contribution into bundled share classes?

No, you will only be able to set up or amend a regular contribution into “clean” (commission-free) share classes. For existing regular contributions in “bundled” (commission-paying) share classes, we will automatically change your regular contribution to invest in the “clean” share class equivalent, provided an equivalent exists. In the event that we cannot do this we will contact you.

I’m currently re-investing income into bundled share classes. Will my income continue to be re-invested?

If you are currently invested in a “bundled” (commission-paying) share class and have elected for your income to be re-invested, this income will be paid into your Capital Account for that portfolio. If you would like your income to continue to be automatically re-invested, you will need to switch your fund investment to a “clean” (commission-free) share class.

Please note, the gross interest rate on any cash held (excluding fixed rates on FTDs and excluding any cash held within the 'other assets' section of your portfolio) will be calculated as the daily Bank of England base rate minus 0.4%, subject to a minimum of 0%. The current rate of interest is zero.

Please be aware, the value of investments can fall as well as rise and that past performance is not a reliable indicator of future results and you could get back less than invested. Click here to understand the risks associated with investing. Calls to any number may be recorded for training and monitoring purposes. This site uses Cookies.