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REVIEW SUMMARY

Tilney Group

The Tilney Group includes 10 entities: Tilney Investment Management Services Ltd, Tilney Investment Management, Bestinvest, HW Financial Services Ltd, Tilney Asset Management Ltd, Tilney Financial Planning Ltd, Tilney Discretionary Portfolio Management Ltd, Tilney Asset Management Services Ltd, Tilney Discretionary Investment Management Ltd and Index Fund Advisors Limited.

Tilney group claims to have 180+ years of experience, 300+ financial managers and £24bn+ of assets under management. 

The Tilney Group and all of their entities are authorised and regulated by the Financial Conduct Authority.

Overview
FAQ
Customer Reviews
Expert Verdict

Tilney's services can be broadly classified under three categories:

  1. Investments
  2. Financial planning
  3. Specialist advice

Each of these categories include different services, such as:

Investments

Financial planning Specialist advice
Investment management Pensions and retirement planning Accountants
Investment advice Inheritance tax and estate planning Lawyers
  Tax planning Business owners
  Gifts, philanthropy and charity Company executives
  Saving for children Sport and entertainment professionals
  Life-changing events NHS and other medical professionals
  Protection Charities
  A full financial plan  

 

Under investment management, the Tilney Group has two main offerings:

  1. Core investment management service:

    Tilney's core investment management service requires a minimum investment amount of £50,000.

    They offer a range of central portfolios built and managed on your behalf. Each portfolio is designed for a different type of investor and they recommend the portfolio they think is best suited.

    With the core investment management service, Capital Gains Tax (CGT) is deferred until withdrawals are made. This is because investments are held inside a fund.

    You can learn more about Tilney's core investment management service in the brochure below.

  2. Personalised investment management service:

    Tilney's personalised investment management service requires a minimum investment amount of £500,000.

    Your investment manager will build a personalised portfolio based on your objectives, circumstances and attitude to investment risk. Under this service, you get a dedicated investment manager, regular meetings and access to your portfolio online at all times.

    They can help with the following types of accounts:

    • Personal (taxable) portfolios
    • Pensions including SIPPs, SSAS and corporate schemes
    • ISA portfolio management
    • Offshore bonds and portfolios
    • Trust portfolios
    • Private OEICs
    • Companies/institutional portfolios

    You can learn more about Tilney's personalised investment management service in the brochure attached below.

NOTE:


The costs are known to be high - we would recommend reading the 'expert verdict' section of this independent review to learn more and make an informed decision.


 

The Pros

> Large established group
> Advised and self-directed options

The Cons

> Use of grey market distributors overseas
> Hidden commissions/retrocessions
> High expense ratios
Does Tilney Group operate overseas?

Yes.

The international marketplace is in many jurisdictions a place where UK businesses can expand, without the regulatory constraints inherent within the UK.  

What is Tilney's investment strategy for the core investment management service?
  • While designing any portfolio, Tilney says that they start with the risk profile.
  • To determine this, they work with you to understand how comfortable you are with ups and downs in the value of your portfolio and any potential investment losses.
  • Their aim is to achieve the perfect balance of investment performance without taking more risk than you are willing to accept or can afford.
  • Tilney Group has eight different risk-targeted investment profiles.
Does Tilney send regular reports about the portfolio performance?

Yes, a full reporting suite including detailed statements with relevant commentary, contract notes following transactions and tax reporting showing all gains, dividends and income received is made available.

What are the charges for Tilney Group's personalised investment management service?

Tilney charges an annual management fee based on the value of your portfolio, and there is no initial set-up fee.

Does Tilney offer portfolio loans?

Yes, onshore individual and corporate clients are entitled to apply for a loan using the assets of their portfolio as security.

Have you used Tilney Group's services?

Join the conversation - be the first to comment.

Please send your review and comments to marketing@aesinternational.com to help people make an informed decision.

Expert assessment of Tilney Group

Within the international marketplace, the Tilney funds are typically accessed by financial salespeople through offshore bonds.

The total cost of these insurance bonds, the advisers' commission, and the funds themselves potentially create a serious drag on performance, which will impact your returns.

Since 1994, Tilney Group have run an amusing and informative analysis of underperforming funds known as 'Spot the dog.' It is therefore not without irony that in our view, more cost effective, more transparent and better performing investment options exist.

If you’re looking for the strongest possible growth on your investments, and you don’t want that to be undermined by high costs or you are uncomfortable with your adviser accessing investments through an insurance wrapper and/or receiving kick-back commission payments, then you may wish to consider alternative options.

If you’d like a Second Opinion on your current Tilney Group holdings, or your portfolio as a whole (worth £250,000 or more), simply click here.

Tilney Group - Core Investment Management Service Brochure

Tilney Group - Personalised Investment Management Service Brochure

Tilney Group - Money Management Guide

Tilney Group - Financial Planning Services Guide

Tilney Group - Ethical and Sustainable Investing

Tilney Group - Investment Advisory Service

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