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REVIEW SUMMARY

Novia Global

Novia Global launched in October 2015, bringing the benefits of online platform technology to the key international markets.

They provide a platform service for advisers, private banks, trust companies and their clients.

Novia Global offers advisers, private banks and trust companies the opportunity to efficiently and effectively manage investments.

Their platform service provides access to a wide selection of assets, a suite of portfolio management tools and a choice investment management services.

Their core operating system is delivered by GBST.

GBST has been developing software solutions for funds administration and financial services since 1996.
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Novia Global is a limited company that is registered in England and Wales. Its registered office is Cambridge House, Henry Street, Bath, BA1 1JS.

They provide access to three types of products:

  1. Global Investment Account (GIA):
    The Novia General Investment Account (GIA) allows you to make unlimited contributions into one account.
  2. UK SIPP:
    The Novia Global UK SIPP is a low cost flexible retirement solution, available exclusively through the Novia Global platform.
  3. ISA: The Novia Global Individual Savings Account (ISA) is a Stocks & Shares ISA designed to help customers invest for the medium to long term.

Novia Global is regulated in the UK, under the Financial Conduct Authority, and is also widely sold in Dubai, Hong Kong and various EU countries.

How the platform keeps client assets secure:

  • Custody of assets is held with Pershing (Channel Islands) Limited, a subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Pershing provides global execution services to multiple asset classes across the UK, Europe, US and Asia
  • Novia Global is audited by external auditors, have stringent business continuity and disaster recovery policies plus in house cyber security monitoring and management processes and controls
  • Novia Global administers client money and assets in keeping with the FCAs CASS regulations
  • A fully visible, fee based solution that provides ‘read only’ online access to underlying clients

NOTE:

  • The Novia Global platform allows you to monitor investments in real time; they offer a fully online automated monitoring, reporting & valuation service in partnership with Financial Express. This includes a suite of client reports including valuations, statements and performance reports.
  • Their products and investments are available in a range of currencies, including US Dollars (USD), Sterling (GBP), Euros (EUR), Australian Dollars (AUD) Swiss Franc (CHF) and Hong Kong Dollars (HKD) - you can choose to use one, or multiple investment strategies all managed within a Novia Global account.
  • When you invest through the Novia Global platform, you open a Novia Global account. This is a secure internet-based account to help you control and manage using the purpose built tools they provide.
  • As it is online, it available to access at any time through and provides you with access to information about all of the investments you hold.
  • Multiple products can be simultaneously held within a Novia Global account in order to maximise the benefits of the available product structures, currencies and portfolio management options.
  • The Novia Global platform has access to over 7,000 funds from over 300 leading fund managers across a multitude of asset classes and a host of investments options. This includes Societe d’Investissement a Capital Variable (SICAVs), Undertakings for Collective Investment in Transferable Securities (UCITS), Exchange Traded Funds (ETFs), alternative investments and direct investment in equities and bonds.
  • Their discretionary fund management (DFM) service has been established to enable easy access to a range of leading DFMs through the platform, offering a multitude of investment options and strategies. They use discretionary fund managers such as Brooks Mcdonalds, Ashburton Investments, Bordier & Cie and Copia Capital Management.
  • The Novia Global Wealth Management Service has one charging structure agreed with the adviser. Some charges are also passed on from Novia’s partners, Pershing (Channel Islands) as custodian and with Winterflood Business Services for share dealing. Deals are sometimes aggregated to save on costs and although this arrangement should work in the investor’s favour, it can mean costs incurred in the form of dilution levies.
  • We would highly recommend reading the 'expert verdict' section of this review to make an informed decision.

Additionally, below is a free guide that can help you achieve better results. In this guide, you'll learn:

  • Academic evidence only shared with a select few firms across the world
  • A real-life example of why you should never try to outguess the market
  • Why a fund's past performance is not enough to predict future returns
  • Why you need to focus on what you can control and why this leads to a better investment experience
  • Why you should accept the markets for what they are
  • What can impact behaviour and make people seek instant gratification

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The Pros

> Experienced support team, launched in 2015
> Excellent technology
> Multi-currency options
> No term required, therefore no surrender penalties
> Withdrawal flexibility
> Global presence
> Fully open architecture
> Auto-rebalancing
> Accurate tax and performance reporting

The Cons

> No DIY Investing, in order to invest through Novia, you have to do it through a financial adviser
> Can’t hold individual shares, available fund range is sufficient (over 7,000 funds) for most investors
> Expensive annual service charge for smaller accounts, although gets more competitive for larger portfolios $1.5m plus
> Although the platform does not pay any commission to the adviser, it allows advisers to charge up to 5% initially and 1.5% therefore there is a risk ongoing clients can still be overcharged depending on the type of adviser they work with
What products are available from Novia Global?

Novia Global provides access to three types of products, a Global Investment Account (GIA), a UK SIPP (SIPP) and a Global Individual Savings Account (ISA).

Each product benefits from a variety of portfolio management options, including:

  • aggregating the assets held to align reporting and treatment with the appropriate regulatory structures
  • showing the valuations and charges for each product in a clear manner
  • easily selecting those assets that are appropriate to hold in a particular product from the wide range of funds on offer
  • using the tools they provide to manage investments held.
Who looks after my money?

Custody of assets is held with Pershing (Channel Islands) Limited, a subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Pershing provides global execution services to multiple asset classes across the UK, Europe, US and Asia.

Is Novia Global regulated in the UK?

Novia Global Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

What are the account minimums?

There is no minimum initial or minimum additional investment amount.

What is the asset selection offered?

Novia Global currently offers access to over 300 funds managers with more than 7000 funds.

  • Their asset selector offers a range of filters. 
  • These can be used to reduce the funds displayed to those that are most relevant. 
  • You are able to generate an optimised range of assets based on a risk profile, from Novia Global's risk profiler or from other sources and all pre-built model portfolios are available for selection.
  • These can be used as the basis of a new portfolio and users are able to amend the assets selected as required.
What does the MPM tool offered by Novia Global do?

The Model Portfolio Manager (MPM) tool, enables advisers (with the appropriate discretionary powers), private banks, trust companies and discretionary fund managers (DFMs) to take full administrative control over their model portfolios, creating and managing them online. 

MPM is also linked to their other analysis tools so models can be researched at the point of construction.

There is an instant submit, with no “overnight refresh” so advisers, private banks and trust companies will be able to build portfolios and use them within the hour.

In addition:

  • advisers, private banks and trust companies can establish their own model portfolios or work with a DFM
  • An unlimited number of portfolios can be established, for different risk profiles, for both Novia Global products
  • MPM provides the choice of updating some or all clients within a model by one simple instruction
  • MPM has the functionality to synchronise all clients’ trades within a model portfolio. 
What are the benefits of the reports available through Novia Global?

The reports help obtain supporting information about the investments held through Novia Global.

Their benefits, as listed by Novia Global, include:

  • Intuitive and easy to use - designed to be straightforward and uncomplicated to use from start to finish
  • Easily accessible - reports and information are available at any time
  • Quick - reports can be downloaded and exported in a matter of seconds
  • Updated daily - up to date data is refreshed daily from the Novia Global system and Financial Express pricing data
  • Flexible - all reports are downloadable in several different formats which can be manipulated and edited, used as part of an audit trail, printed and recorded for compliance purposes
  • Comprehensive - the reports cover all aspects of business written through Novia Global - including valuations, charges, investments and transactions

 

Would you like to share your experience of Novia Global?

 

Contact us at hello@aesinternational.com

Expert assessment of Novia Global

Our verdict is that Novia Global is one of the stronger adviser-led international platforms.

It has excellent technology behind it, good customer service and and a strong reputation, though for smaller account it could be viewed as expensive.

If you're a senior international professional investing with Novia Global, and your portfolio is worth £1,000,000 or more, we recommend a Second Opinion.

GET A SECOND OPINION

Novia Global - Client Brochure

Novia Global - Key Information Document

Novia Global - Best Execution Policy

Novia Global - Conflicts of Interest

Novia Global - Privacy Policy

Novia Global - International SIPP Key Features Document

Novia Global - The International SIPP Guide

Novia Global - Submitting New Business

Novia Global - Top Up Payment Guide

Novia Global - How to Buy Funds

Novia Global - How to Process a Withdrawal

Novia Global - Reporting Options

Novia Global - Client Testimonials

Novia Global - Client Portal

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RISKS

Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investment, when redeemed, may be worth more or less than the capital invested. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful. For further information, please click here.

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