UBS SmartWealth Digital wealth management, at your fingertips

UBS SmartWealth

Open your ISA today Invest your 2016/17 allowance and benefit
from UBS SmartWealth investment expertise

Open your ISA now

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested.

What do we offer?

UBS SmartWealth is online investing on your phone, tablet, laptop or desktop - whether you’re an existing customer or completely new to us. The platform is hassle-free and built with your goals in mind. From risk profiling to wealth planning, welcome to customised investing without the fuss. And, even if you have other investments that aren’t with UBS, you can still get an overview and track your goals and assets, through our wealth planning tool.


Open a new ISA

Open a new ISA

Our investment ISA lets you include tax efficient investing up to £15,240 in this tax year. Your ISA becomes part of your investment strategy that aims to deliver the returns you expect and lets you enjoy the full benefit of UBS fund management expertise.

Easy ISA transfers

Transfer your existing cash or investment ISAs to UBS SmartWealth to take control of your wealth. Benefit from a single view of your ISAs, transparent fees and coordinated investing across all your investments.

Transferring is simple. Start the process when you log-in and our Client Management Team will help you at every step. ISAs can only be transferred as cash.


How does it work?

How does it work?

We understand your needs

We’ll start by asking you questions about your risk comfort level, financial goals and the assets you’d like to invest to create your financial personality.

We give you personalised advice

After understanding your financial personality we will recommend where suitable up to five investment strategies. This will be reassessed periodically to make sure you are on the right strategy.

We manage your investment strategy

You’ll get an annual assessment to make sure your investments are still right for your financial goals. And if anything changes in the meantime we will reassess our advice to make sure it's right for you.


Is it for you?

Investing simplicity

We know that it is important to provide hassle free investing to protect and grow your money. Investing can be a full time job and uncertainty makes navigating complex markets challenging. UBS SmartWealth handles the day to day details so you can relax knowing experts are watching over your investment strategy at all times. We remove the complexity from investing so that you can focus on your goals.

Shared expertise

Our approach responds to market events and long term trends, but we also spot and take advantage of short term investment opportunities. Our Chief Investment Office makes sure that your investment strategy reflects the most up to date ideas and does the work for you, so you’re no longer obliged to keep on top of the market! You can, of course, always drop into our Insight section when you want to update yourself and see some of the research used by our team of investment experts.

Shared expertise

Invest with UBS SmartWealth

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested.

Insight

What are our experts saying?

Here’s a collection of articles that range from investment education to expert analysis of current events. It’s just one of the many ways we share our knowledge with you.

All about you

All about you

A suit or dress grabbed off the peg, without checking whether it is a good fit, carries the risk of disappointment or worse still being unusable. The same is true of an investment strategy.

Why should I invest now?

Why should I invest now?

Equity markets are at record highs, and they are up 25% in the past year, so why should I invest now?

Active or passive?

Active or passive?

This question lies at the heart of the great debates of the relative merits of 'active' versus 'passive' investing. Here’s what it’s about.


UBS SmartWealth in the press

"The service, is described by co-head Nick Middleton, as 'something inside people's pockets to give a tangible solution to the advice gap."

28 February 2017

"What we tried to do with SmartWealth is to be like a fintech, to go at that pace but within a large organisation"

3 December 2016

"Jamie Broderick, head of the UBS Wealth Management business in the UK, said the new service would 'help to close the advice gap' that has opened"

10 October 2016


Frequently asked questions

UBS SmartWealth is a new kind of investing that combines digital wealth management with UBS's market leading expert insight.

We'll give you on-the-go, online access to your investments at all times. You'll get personalised advice based on UBS investment expertise and provide a new perspective on your wealth that focuses on your personal goals.

Setting up your UBS SmartWealth account is simple. You can apply with no paperwork, and won't need any face-to-face meetings. You can access your account at all times, and from any device you like. Should any questions or issues arise, our UBS SmartWealth Client Management Team is there to help and support you.

We take time to get to know your financial situation and personality, investment goals and time horizon to recommend a suitable investment strategy for you. We'll also check our investment advise to you annually to ensure that it remains right for you.

We offer you the choice between actively or passively implemented investments that are in line with your preferences.

UBS SmartWealth is centred on your own personal goals and helps you take a long-term perspective on your wealth. You can plan, add, remove, prioritise, and track your goals with a tool that gives you full transparency and confidence as you make your investment journey.

We also provide tools so that you can build a total view of your wealth in one place including assets held elsewhere.

ISA and ISA transfer

Investing in a stocks and shares ISA is a tax efficient way of saving money. Within an ISA 'wrapper' your investments can grow free of any capital gains tax and you do not pay any additional tax on any income generated (basic rate tax is deducted at source, so if you are a higher rate or additional rate tax payer no further tax is payable).

These tax 'wrappers' have annual limits for each tax year. However you can also transfer in the cash value of any ISAs you hold elsewhere from either the current financial year or past years.

If you’d like to invest more money than the annual ISA limit allows, you could consider a Core investment which will be subject to the applicable taxes.

Core investment

A core investment is held outside of any tax wrappers such as ISAs or Pensions. As such, any gains or losses and any income derived from those investments will be taxed in line with your personal tax circumstances. Every person has annual tax allowances in relation to both income tax and capital gains tax, and it is worth considering your personal situation when deciding where to invest your money.

Remember that your investments in this account are subject to applicable taxes (when you buy and sell any of your investment) once you have used the capital gains and income tax allowances available to you.

To become a UBS SmartWealth client you will need to have:

  • an email address
  • a UK mobile number
  • UK tax resident status
  • a UK home address
  • a nominated UK bank account in your sole name. All money paid into and taken out of your UBS SmartWealth account must come from and go to your nominated bank account.
  • an initial minimum payment in of £15,000 made into your UBS SmartWealth account. The minimum top-up after that is £1,000.

We are unable to offer UBS SmartWealth to anyone who currently pays US tax. This includes US citizens, Green Card holders and anyone born in the US who has not renounced their US citizenship.

UBS is the biggest wealth manager worldwide, and with UBS SmartWealth you get access to our full expertise.

Our global reach and network of 1,000 investment experts allows us to monitor your investment constantly. We share with you our views and apply both local and global insights when managing your portfolio. The way we manage your investment will always reflect the latest developments around the world.

Through our exclusive research and content you can learn and better understand the decisions we take - and why we feel they are the right ones for you.


What’s next?

How does it work?

How does it work? 

Invest with UBS SmartWealth

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested.

protecting your money

Further information on the FSCS is available here (PDF, 3 MB) or you can visit www.fscs.org.uk.