Target market at a glance

Clients must:

• be willing to invest for the medium to long term, subject to minimum investment amounts in line with account terms and conditions
• be individuals, companies/organisations, or trustees using eligible products
• understand that capital is not guaranteed.

Clients may:

• require additional support across a wide range of vulnerable situations throughout their financial journey
  • Quilter offers considerations towards the additional needs of clients that may be prevalent when using different products and services, and in each target market group.
• have an adviser relationship or plan to self‑serve if that relationship ends
• want to consolidate investments held with other providers on to the Quilter Investment Platform
• want the ability to monitor/amend portfolios and/or use Managed Portfolio Services, with the support of their Financial Adviser
• access an extensive choice of investment assets and a range of tax-efficient ways to hold them
• have basic financial knowledge and rely on a financial adviser for product suitability, product recommendations and investment decisions or have more advanced financial knowledge and prefer active involvement in making investment decisions themselves
• be individuals, companies/organisations, or trustees using eligible products
• like to receive consolidated statements, eliminating unnecessary paperwork from multiple sources
• want to manage their account online, or by phone or by post if preferred.

Might not be suitable for clients who:

• would like to trade investment assets in real-time
• require robo‑advice
• intend to have predominantly cash holdings for long periods
• want to use advised‑only solutions, for example WealthSelect, on a self‑serve basis
• would like to transfer investments from elsewhere with guarantees or protections that cannot be maintained.

The ISA and Junior ISA are tax efficient accounts designed for clients who want to invest over the medium to long term, within annual subscription limits, and who are comfortable holding a range of investment assets rather than cash alone.

Clients must:

• want to invest tax-efficiently over the medium- to long-term and accept investment risk
• be aged 18 or over for the ISA, or a child aged under 18 for the Junior ISA, and be happy to accept more risk to their capital than saving in a cash ISA.

Clients may:

• want to use their ISA online, by phone or by post
• want a flexible ISA
• want to transfer in ISA investment from another provider
• open a new ISA without a financial adviser, on a self-serve basis, providing that they are an existing client of the Quilter Investment Platform.

Might not be suitable for clients who:

• have no other savings
• have a need to withdraw money before the age of 18 (only relevant to the Junior ISA)
• would like to retain control of money invested in a Junior ISA after the child has reached age 18
• want to invest full allowance in a Cash ISA, Lifetime ISA or an Innovative Finance ISA instead
• intend to trade ETFs/ETCs and Investment Trusts frequently despite having a low fund value and/or a low regular transaction amount.

The Collective Investment Account is a flexible, taxable investment account suitable for a wide range of investor types, including individuals, companies, trusts, pension schemes, and charities who want the freedom to invest without annual subscription limits.

Clients must:

• be eligible individuals (18–95), companies, trusts, pension schemes, charities
• be happy to accept more risk than saving in a bank or building society account
• want to invest over the medium- to long-term, subject to relevant taxes, and accept investment risk.

Clients may:

• like to use CIA for regular or ad‑hoc payments
• already hold investments on our platform and intend to make future payments, when allowances permit, using the CIA as a convenient way to accumulate and facilitate such payments
• open a new CIA without a financial adviser, on a self-serve basis, providing that they are an existing client of the Quilter Investment Platform.

Might not be suitable for clients who:

• have no other savings
• are individuals who have any unused relevant tax-advantaged allowances, such as an ISA
• intend to trade ETFs/ETCs and Investment Trusts frequently despite having a low fund value
• do not want to pay tax on capital gains.

The Collective Retirement Account is a pension wrapper designed for advised clients who want to build retirement benefits over the long term and have the flexibility to choose how and when to access those benefits once eligible.

Clients must:

• be a UK resident individual
• have basic knowledge of pensions and investments and rely on a regulated financial adviser for product suitability, recommendations and decisions about contributions, investment selection and how/when benefits are accessed; or have more advanced knowledge and prefer to be actively involved in these decisions with adviser support
• want to build up their pension savings to provide an income in the future by investing for potential growth, and accept investment risk
• be prepared to have their money tied up, normally until at least age 55 (rising to age 57 from 6 April 2028).

Clients may:

Income planning:

• want to have choice over how and when to take their benefits
• want the rest of their savings to remain invested for potential growth when they begin to take income withdrawals and any lump sums.

Legacy planning:

• need to receive pension benefits as a beneficiary or successor and need flexible options for how those benefits are taken
• want to provide benefits for their beneficiaries on death.

Flexibility:

• want the convenience and flexibility of being able to consolidate and manage all their pension savings within the CRA by transferring pension savings they have built up in other schemes into it, including any ‘defined benefit’ transfers that have been assessed and approved as being in their best interests by a financial adviser who is a regulated pension transfer specialist
• want the freedom to transfer their pension savings in this account to another authorised provider, for example if they want to buy an annuity (a guaranteed income for life), to move their pension savings abroad, or to take advantage of benefits not offered by this account.

Might not be suitable for clients who:

• have no other savings
• are not happy to accept the risk of potential investment losses, with no guarantee of their money growing
• want unrestricted access to their money before the age of 55 (rising to age 57 from 6 April 2028)
• do not want to pay income tax on income payments
• want to set up a workplace pension arrangement, since the Collective Retirement Account cannot be used as an auto-enrolment or qualifying workplace pension scheme
• are currently in a final salary (also known as defined benefit) pension scheme and are looking to transfer out of that scheme, but who need a guaranteed income for life, potentially with inflation protection or similar benefits
• wish to trade ETFs/ETCs and Investment Trusts frequently despite having a low fund value
• intend to open an account on an execution only/non-advised basis
• need to hold assets in their pension which can only be held in a SIPP product.

The Collective Investment Bond is an advised investment product suitable for individuals, companies, charities, and trusts seeking a medium‑ to long‑term investment solution with access to tax‑planning features available through an insurance‑based wrapper.

Clients must:

• be a UK resident individual or joint investor, company, or trust
• provide at least one life assured under age 90
• want to invest over the medium- to long-term, subject to relevant taxes, and accept investment risk.

Clients may:

• want the option of taking regular withdrawals potentially using tax deferral
• use the bond as part of their tax planning either because they have used up their other allowances or as part of inheritance tax planning
• want the option of protecting their capital using the ‘Capital Protected Death Benefit’.

Might not be suitable for clients who:

• have no other savings or investments
• have not used other available tax allowances, such as an ISA
• need access to their capital in the short term
• are not willing and able to accept the risk of potential investment losses, with no guarantee of growth
• intend to invest in ETFs/ETCs and Investment Trusts
• intend to open an account on an execution only/non-advised basis
• are non-taxpayers.

Clients must:

• be a UK resident individual or joint investor, company, or trust
• be happy to deal with tax on the gross interest paid via their tax return
• want to hold uninvested savings outside of tax wrappers.

Clients may:

• want to combine multiple savings accounts on one platform
• want to hold any level of cash for a shorter period than would be suitable for higher-risk investments
• want the convenience of managing their uninvested cash alongside their other Quilter investments.

Might not be suitable for clients who:

• want to withdraw cash when invested in a fixed-term or notice account
• have unused tax allowances
• are willing to take investment risk to grow their savings over time
• operate in high-risk sectors that would be unlikely to be able to work with partner banks.

The asset range is suitable for advised clients who want access to a broad choice of funds and exchange‑traded investments (ETIs), and who prefer to build or customise their own portfolio or would like to select portfolios from a range of third-party discretionary managers.

Clients must:

• be willing to accept investment risk, noting that growth is not guaranteed
• use the account on an advised basis if they require support in selecting and maintaining their investment strategy.

Clients may:

• want to be involved in investment decisions and may expect to carry out some transactions on an execution‑only basis
• want a bespoke portfolio built from a market‑wide range of funds and ETIs to meet individual objectives
• want growth or income options from their portfolio
• want to use specialist discretionary investment management where their preferences are not met by WealthSelect.

Might not be suitable for clients who:

• require access to investment types not offered on the platform, such as property, complex alternatives, unregulated collective investment schemes, or full access to all instruments traded on major stock exchanges.

WealthSelect is designed for advised clients who prefer discretionary portfolio management aligned to a chosen risk level, and who want their portfolio to be managed and monitored on their behalf, offering:

• levels of investment risk from 3 (low) to 10 (high)
• WealthSelect Managed, Responsible, and Sustainable portfolios
• the freedom to choose an active, blend, or passive investment management style.

Clients must:

• be advised, with their financial adviser responsible for assessing suitability and explaining portfolio features and risks
• be willing to delegate day‑to‑day investment decisions to a portfolio manager
• accept investment risk and understand that the portfolio aims to grow their money over the long term, but this is not guaranteed
• not need the management of their investments to consider Capital Gains Tax.

Clients may:

• not have specific ESG requirements and simply want to maximise returns for an agreed level of risk.

Might not be suitable for clients who:

• intend to invest for less than five years
• have specific investment preferences or restrictions. For example, customers who have specific environmental, social, and governance (ESG) risk requirements and/or who want to minimise exposure to unsustainable or controversial areas
• are US persons or those resident in restricted jurisdictions.

Within WealthSelect, the Responsible portfolios are designed for clients who want long‑term growth through portfolios that actively manage the environmental, social, and governance (ESG) risk by investing in funds that demonstrate leading ESG integration.

Clients must:

• be advised, with their financial adviser responsible for assessing suitability and explaining portfolio features and risks
• be willing to delegate day‑to‑day investment decisions to a portfolio manager
• accept investment risk and understand that the portfolio aims to grow their money over the long term, but this is not guaranteed
• not need the management of their investments to consider Capital Gains Tax.

Clients may:

• want a portfolio that actively manages its ESG risk alongside delivering a financial return
• want a portfolio that has lower exposure to companies involved in high ESG risk activities

Might not be suitable for clients who:

• intend to invest for less than five years
• want a portfolio focused on delivering sustainable outcomes
• have zero tolerance for exposure to unsustainable or controversial areas such as fossil fuels, as the portfolio may have some exposures
• are US persons or those resident in restricted jurisdictions.

Within WealthSelect, the Sustainable portfolios are designed for clients who want long‑term capital growth while targeting a broad range of sustainable outcomes whilst minimising exposure to unsustainable or controversial activities.

Clients must:

• be advised, with their financial adviser responsible for assessing suitability and explaining portfolio features and risks
• be willing to delegate day‑to‑day investment decisions to a portfolio manager
• accept investment risk and understand that the portfolio aims to grow their money over the long term, but this is not guaranteed
• not need the management of their investments to consider Capital Gains Tax
• understand that sustainable investment approaches may perform very differently from the wider market.

Clients may:

• want a portfolio that prioritises sustainable outcomes alongside long‑term capital growth while minimising exposure to controversial or unsustainable sectors
• want a professionally managed portfolio aligned to a defined sustainability approach.

Might not be suitable for clients who:

• intend to invest for less than five years
• have zero tolerance for exposure to unsustainable or controversial sectors, as small exposures may remain
• are US persons or those resident in restricted jurisdictions.