Switch investment companies hassle free

Expert help to move your investments

If you’d like to move your investments to a new investment manager, you might be worried that it’s an impossible task. After all, how can stocks and shares be transferred without losing their value? The good news is that it’s relatively straightforward to do so, especially with the help and guidance of our investment management experts.

We understand how important it is to take the right approach when transferring investments to ensure there’s minimal impact on your portfolio.

Can I transfer my investment portfolio?

Yes, it’s entirely possible to transfer your investment portfolio. Whether your current provider has gone into liquidation, you want a different type of service, or you’re simply dissatisfied with your current investment manager, you’re free to move if you wish.

Can I move my investments to Adam & Company?

Yes, it’s possible to move your investments to Adam & Company and, if you decide to do so, we’ll make the whole process as easy as possible for you.

We will look at your existing setup and all possible implications of switching provider, including any fees, tax and more complex investments, to make sure it’s the right decision for you.

We’ll also take the time to fully understand what you want to achieve with your wealth so we can devise the most appropriate way to switch your investments to a new portfolio built around you and your long-term prosperity.

Before we do anything, we’ll talk to you about:   

• Your aims and objectives for the future
• Your attitude to investment risk
• How we’ll look after you and your investments
• Whether or not you might also benefit from financial advice. For example, if you’re thinking about retirement or passing on your wealth.
   

How do I move my investments?

There are two ways to move investments:

Option 1 – in-specie

In-specie means your investments are moved as they are, without selling your assets. It’s now compulsory for all providers to offer this option.

However, it’s important to be aware that some assets cannot be transferred directly in-specie. It can also take longer for certain assets to be released. Your new investment manager can advise you on your more complex investments and how these can be handled.

Option 2 - sell your investments

With this option, your investments are liquidated into cash, which can then be transferred for reinvestment. Your new investment manager could repurchase the same assets or build a brand-new portfolio for you if they think it needs restructuring to better meet your financial objectives.

Switching investment companies – what to be aware of

1. There may be fees to pay – so it’s worth discussing what would make most financial sense with your investment manager
2. Selling your investments may incur capital gains tax – we can work out how these liabilities might compare to the in-specie fees to see what works best for you
3. The value of your investments may change – markets are moving every day so there’s a risk that the value of your investments could change during the transfer
4. Transferring a pension is more complicated – so it’s best to seek independent wealth planning advice before deciding how to proceed.

Also, if your wealth manager has gone into liquidation, there’s a chance anything you’ve borrowed against your portfolio could be lost.