Traditionally, individuals may have invested in a range of products held across numerous companies with different charging structures and differing investment options.

At Pennymatters we are advocates, where appropriate, of using Platforms or “wraps” for clients. These Platforms allow investors to consolidate all their savings whether in pensions, ISAs or GIAs. They are designed to simplify the investment process giving the client a clear and transparent view of their holdings in one place.

Platforms have developed to enable access to thousands of funds often referred to as open architecture, whereby the client can manage their investments and have one clear charging structure across all their different tax wrappers.

As technology has improved so has the access for clients and we are confident that the platforms we choose to use not only give the greatest value for money but afford the best online access.