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Investment FAQs
You’ll need at least £500 (transfer or new contribution), but as a starting point, we’d suggest £2,500 or more. We’ll always stick as close to your risk profile as possible, but the more we have to work with, the better we can diversify your portfolio.
If you’re starting with under £5,000, it’s a good idea to set up a monthly Direct Debit of at least £200 (£100 for JISA) to help you reach your goals as quickly as possible.
Yes, you can request to add funds or withdraw from your account at any time of day or night, from your app or desktop. We think it’s important that your investments are flexible to ensure this is a simple, hassle-free process for you. Don’t forget that your portfolio is tied to your financial goals, so it’s always best to contact us if you would like to move a large amount of money. Transferring an ISA or Pension to &me is also simple, just follow the steps inside your account and we’ll do the rest. We’ll never charge you a fee for transferring to or away from &me, just make sure you do it properly so you don’t lose your tax benefits. Get in touch with the &me consultants if you have any questions.
At &me, we provide a discretionary service, which means we build, manage and rebalance your portfolio on your behalf. After we ask you a series of questions to determine your knowledge, experience, risk appetite and objectives, we match you with the portfolio that best fits your profile. We’re regulated to offer this investment advice.
If you don’t believe we’ve matched you to the right portfolio, you can talk to one of the &me consultants, who can look at the other options available to you within your suitability constraints.
Nothing, but remember it takes a lot of time, knowledge and skill to invest successfully, not to mention the extra capital of trading yourself. It can be especially daunting when you’re managing your family’s money. It’s important you understand your risk profile and make sure your portfolio reflects your tolerance to risk through its asset allocation. Once you’ve built your portfolio, you’ll need to make sure it continues to be suitable for you and your goals. Many investors prefer for the expert to do it for them so they can focus on the important things in life, knowing their wealth manager has their best interests at heart
Yes, we’re regulated to give restricted financial advice (investment advice) to our customers. We’ll ask you a series of questions to determine your knowledge, experience, risk appetite and objectives. We take this information to build your investor profile and then match you to a portfolio that’s specifically built by our experts to reflect your profile.
At &me, we provide a discretionary service, which means we build, manage and rebalance your portfolio on your behalf, ensuring we keep you on track with your goals.
We blend technology and human expertise to offer efficient financial advice that helps you achieve your financial goals.
A model portfolio is a group of funds that are brought together to target an expected return for a specified amount of risk. Our asset allocation team optimise the asset allocation for each of our model portfolios to ensure they’re suitable for the targets of each portfolio.
Once we have matched you to a portfolio that reflects your investor profile, your investments will be managed by our experts in-line with the model portfolio that suits your profile. For smaller investment amounts, the composition of your portfolio may differ from the model. Please contact us if you would like to know more.
We show your portfolio performance in two different ways and you can toggle between them, called “time-weighted” and “money-weighted” performance.
The time-weighted rate of return (TWRR) tells the performance of your investments over time. It is used to compare the investment returns as it removes the distorting effects of cash inflows and outflows, even as you regularly contribute to your account.
The money-weighted rate of return includes individual cash flows within a period to give an accurate reflection of the return you receive as an individual. We believe this gives you an accurate picture of the true return you received, accounting for your individual cash flows – these could be dividends, account top-ups or disinvestments. If you were to invest – or disinvest – an amount from your portfolio, this impacts the performance number. You can think of this as your portfolio’s “personal performance”. This measure of performance corresponds to a well-known concept called the internal rate of return (IRR).
Customers often confuse these with a “simple return” calculation, which would be found by just dividing your current value by your net contributions, and over time it will be less helpful as every time you invest you will reduce your performance.
All three measures are in theory the same if you only have one cashflow.
If you would like further explanations please speak to the &me consultants.
If you are resident outside of the UK, we may be able to help, please first contact the &me consultants to see what we can do for you.
Due to the comprehensive reporting requirements imposed by the Internal Revenue Service (IRS) through the Foreign Account Tax Compliance Act (FATCA), &me has made the decision to not accept US persons as customers.
For purposes of FATCA classification, customers considered by the IRS as US persons include: all US citizens, permanent legal residents or “green card” holders and persons born in the US. This also includes dual nationals where one of the nationalities is the United States.
Funding your Account
To set up a Direct Debit, you’ll need to set up a monthly contribution of at least £200 (£100 for JISA). The more you can invest the more likely you can benefit from pound cost averaging, which will help you achieve your goals quicker. One of the most powerful forces of investing, pound cost averaging is when the returns you earn on your investments are reinvested and earn their own returns.
You can cancel a recurring payment by going to your Account, and going to your Funding Details. From there, you can cancel any Direct Debit by clicking ‘x’ on the regular payment or swiping left.
Yes. There is currently a £20,000 monthly limit if you choose to pay in via Direct Debit. If you wish to contribute larger sums on a monthly basis please set up a standing order with your bank. If you’re unsure, you can contact one of our consultants to talk through your options.
The Direct Debit Guarantee applies to all Direct Debits and protects you in the rare event that there’s an error in the payment of your Direct Debit. The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits
Organisations using the scheme go through a careful vetting process to be authorised and are closely monitored by the banking industry. The efficiency and security of Direct Debit payments is monitored and protected by your own bank or building society.
The scheme solely covers Direct Debit payments and cannot be used to address contractual disputes between you and the billing organisation.
If there are any changes to the amount, date or frequency of your Direct Debit, the organisation will notify you in advance of your account being debited or as otherwise agreed – usually 10 working days prior. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you’re entitled to a full and immediate refund of the amount paid from your bank or building society
If you receive a refund you’re not entitled to, you must pay it back when the organisation asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.
If you’ve sent funds to us via bank transfer, it usually takes 1 working day for the money to show up in your account. However, this depends on your bank, as some banks can take up to 2-3 working days to process the transfer. Once received, funds are traded the next working day.
For Direct Debit payments (both one-off and monthly), it can take up to 4 working days for the money to show up in your account, depending on your bank, and an additional working day for the funds to be invested.
For monthly contributions, we collect the money from your bank as close to the date you choose when setting-up the Direct Debit. For one-off contributions, we take the payment as soon as possible.
It may take up to six days to set up your Direct Debit mandate, which can mean your first recurring payment may take slightly longer to process.
Yes, Direct Debit payments can be used for both a one-off transaction and regular payments. When you add funds to your account, simply select ‘one-time payment’ and ‘Direct Debit’ and we’ll guide you through the rest. Please be aware Direct Debits can be slower than a bank transfer.
To add or change the bank details registered on your &me account, please email our team at hello@mandgwealth.me from your registered email address with a copy of a bank statement for the account you wish to add or change to. This can be either a PDF downloaded from your online banking or a photograph of the original. The transaction details are not required, all we need is your name, postal address and account details
A list of all bank accounts registered to your &me account can be found in Account – Manage Funding – Bank Accounts. You can also add a new bank account here.
We take your account security seriously. We will not accept funds or allow withdrawals to bank accounts that have not been registered to your &me account. Thank you for your understanding.
Yes, you can send funds from any bank account as long as it is in your name and has been registered to your &me account. A list of all bank accounts registered to your &me account can be found in Account – Funding Details – Bank Accounts.
If the bank account you wish to use is not there, please email our team at hello@mandgwealth.me from your registered email address with a copy of a bank statement for the account you wish to add or change to. This can be either a PDF downloaded from your online banking or a photograph of the original. The transaction details are not required, all we need is your name, postal address and account details.
We take your account security seriously. We will not accept funds or allow withdrawals to bank accounts that have not been registered to your &me account. Thank you for your understanding.
To add funds to your &me Pension, whether a one-off lump sum or regular contribution, this must be done by a Direct Debit if it is not a transfer from an old pension.
If you’re looking to fund your &me ISA or General Investment Account you can also do this via bank transfer.
If you’re setting up a monthly contribution you can do this by Direct Debit. Simply click on ‘Add funds’, select the date you’d like to make the contribution and ‘Direct Debit’ as the Payment Method. If you’d prefer you can set up a standing order with your bank, please call our investment consultants team on +44 20 3650 0331.
One-time contributions can be made via bank transfer or Direct Debit (bank transfer not available for pension). If you select Direct Debit you don’t have to do anything, we’ll debit your account with the amount you select. If you select Bank Transfer you’ll need to manually transfer the funds to us using the reference code and bank details we provide during the setup.
Withdrawing FAQs
It will normally take up to seven working days to get your money back, from disinvestment through to having the money back in your nominated account. This is a two-step process; the disinvestment stage can take up to three working days, and the withdrawal won’t take longer than three working days. Disinvestment may be delayed by abnormal market circumstances beyond our control, in which case we will complete the transaction on your behalf as soon as we can. At &me we believe investing for the long-term is one of the most effective ways to maximise your returns over time, and we manage our portfolios with a ten-year outlook. If you’ll need your money in less than 12 months, a cash savings product may be more appropriate.
To withdraw from your available cash, go to the ‘Funding Details’ section of your account, which can be found on the bottom tab of your mobile app or by clicking on the arrow next to your name on the website. Click on the ‘Withdrawals request’ button, input the amount you would like to withdraw, and select the bank account you would like this to be sent to. It can take up to three working days for this cash to appear in your nominated bank account. If you’d like to send the funds to an account which isn’t registered on our system, you’ll need to send us a bank statement so that we can verify the new bank details before we can send the payment. Please note that additional checks may be required to satisfy regulatory requirements.
Once you’ve logged into your &me account, click into the portfolio you want to withdraw from and select ‘Edit’. Go to ‘Disinvest’ and select how much you would like to withdraw. Once you press ‘Confirm’, this request is sent to our portfolio management team who action it. It can take up to three working days for this money to appear in your available cash.
To get your money back into your nominated bank account, the money needs to be in your available cash. This means you need to make a disinvestment before you can withdraw. Go into your account, click ‘disinvest’, and select how much you want to disinvest. Your money will then appear in available cash for you to reinvest straight away. If you would like to withdraw your money, it can take up to seven working days for this to land in your nominated bank account. You can then choose to either add this money to a new portfolio, or withdraw it and have it sent to your bank account. It will take up to three working days for this money to appear in the bank account nominated during the sign-up process. At &me we believe investing for the long-term is one of the most effective ways to maximise your returns over time, and we manage our portfolios with a ten-year outlook. If you’ll need your money in less than 12 months, a cash savings product may be more appropriate.
Terms of Service
If you would like to make a complaint, please email our Client Relationship Management team at hello@mandgwealth.me, or alternatively the Compliance team at complaints@mandgwealth.me. &me will handle the request and reply within 30 days of receipt. We will aim to acknowledge your complaint, investigate the circumstances as required, and report the results to you in accordance with FCA rules.
If your bank account is ‘pending’, we haven’t been able to electronically verify your bank account. By law, we require a picture or scan of a full bank statement dated within the last three months. Please make sure all four corners of your statement are visible in the file/image you send us. Once this has been uploaded, it will take around one working day to verify your account. Once the status is ‘active’, you’ll be able to make payments to your account.
To update your password on the website, log-in to your account and go to settings. You can make a new password here. To reset your password or passcode on your app, go to ‘Security’ under your Account details. From here you can change your passcode and reset your password.
To update your email address, please get in touch with one of our &me consultants
To change your address, please email a proof of your new address in the form of a bank statement or utility bill within the last three months to hello@mandgwealth.me.
To close your account, just email hello@mandgwealth.me and ask us to deactivate your account. Signing up to &me is free and carries no obligation to invest. We don’t charge you anything until you transfer money into your &me account. You can close your account and withdraw your money whenever you want. After we close your account, we hold your personal information for a time as required by law. You should always remember that investments are subject to market risk and if you do invest you may not get back the sum you invested.
No, at &me we believe it’s important that your investments are flexible to meet your needs. You can withdraw whenever you like without paying any additional fees. With &me there’s no minimum investment period, but keep in mind that when investing you should have a long term approach. Please note for pensions, normal pension rules apply, please contact us if you have any questions regarding them
Security FAQs
Onfido is our chosen partner for KYC (Know Your Customer) verification. The company, which is based in the UK, has the role of verifying any identity documents that our customers use to access their accounts, helping us to secure our service against fraud.
For more information on Onfido as a company, take a look at their website.
In the unlikely event of &me entering into administration, clients would have their funds and market value of assets returned to them from the custodian bank or client money account. As these bank accounts are held by &me in trust for underlying clients, no creditors would be able to access or make any claim on the money. Your money and investments are also eligible for compensation under the Financial Services Compensation Scheme (FSCS) for up to £85,000 if the company is unable to repay investments or money.
As an investment firm authorised and regulated by the FCA, &me is obligated to segregate client funds and assets. This means that your money and investments are held separately from &me’s own bank account and cannot be mixed with our own funds.
We believe that the safest way of looking after your investments is to appoint a custodian bank which holds your money and the investments we purchase on your behalf, with a reference number unique to you. We hold your money and investments using carefully selected, regulated financial institutions such as Barclays and Saxo Capital Markets UK Ltd, and we ensure that they meet the relevant criteria to keep your money safe at all times.
Your funds are held with MFM Investment Ltd, which is covered by the Financial Services Compensation Scheme (FSCS). This guarantees coverage of up to £85,000 for your investments across all brands operating under MFM Investment Ltd.Please be aware that if you hold accounts with multiple brands or platforms managed by MFM Investment Ltd, the FSCS protection limit of £85,000 applies collectively to all your accounts. This means that the total coverage for your investments held with any and all brands or platforms under MFM Investment Ltd is capped at £85,000, regardless of the number of accounts you have.
Yes, &me is a trading name of MFM Investment Ltd who is authorised and regulated to give investment advice and provide a discretionary service by the Financial Conduct Authority (FCA). MFM Investments Limited is a company registered in England and Wales. The company registration number is 09088155 and our registered office is at 90-92 Pentonville Road, London N1 9HS. The registered VAT number is 193149785. The Financial Services Register number is 629539. You can check these details by visiting the Financial Conduct Authority’s website at http://www.fca.org.uk or contacting them on 0800 111 6768.
Your privacy is important to us. &me takes serious precautionary measures to ensure that your personal details are held in absolute confidence. Your personal details and your account data are always encrypted and stored on secure servers. Read our privacy policy.
If you still have questions, get in touch and we’ll be happy to help.
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