At True Potential Investor, we’re committed to making your money do more — whether this is by opening a new account when you’re investing for the first time or by completing a Personal Pension transfer or a ISA transfer.
With access to more than 14,000 experts in over 200 locations around the world, our expert in-house team makes investment decisions for our Fully-Managed Investment Portfolios. Our approach aims to maximise your returns, reduce your risk and make your money do more.
We’ve created a set of Fully-Managed Investment Portfolios with unique growth opportunities and built industry-first technology to make investing online easy for you.
We’ve done all of this to give you the best chance of maximising your returns and reducing your risk, for today and tomorrow. Whatever your financial goal or situation, we have a solution to match.
We’ve surveyed over 30,000 people since August 2013 to learn more about the UK’s attitude to saving. Through this research, we discovered that only a small minority of savers are confident they will have enough funds for a comfortable retirement. We call this issue the Savings Gap and our mission is to close it, once and for all. We’ve identified three key causes behind the Savings Gap: a knowledge gap, agility gap, and technology gap. We want to educate people about these issues, improve their knowledge of savings and investments and help them to plan for a better future, starting today.
Technology has become part of our everyday lives – something we can longer go without. And with the evolution of smartphones, tablets and apps it only makes sense that we have this same access to our finances. With True Potential Investor, clients have 24/7 access to their investments online and by app. As one of the fastest growing financial technology firms in the UK, we are passionate about delivering simple but effective technology-driven solutions, which is why we came up with impulseSave®, our world-first technology that allows you to top up your investment from as little as £1.
In 2014 we partnered with the Open University to create the True Potential Centre for the Public Understanding of Finance. This partnership has led to the creation of three free personal finance courses available to anyone who wishes to begin or improve their financial knowledge.
The courses have proven to be immensely popular with more than 300,000 people registering. The courses in the suite are Managing My Money, Managing My Investments and Managing My Financial Journey.See our free finance courses
Savers need simpler savings and investment products. We have long made this case in Westminster and were happy to see the introduction of the lifetime ISA, which offers subsidised routes to saving for both first time home buyers and those saving for retirement, are in line with what we have been campaigning for.
Although the ISA allowance rose to £20,000 in 2017, there is still more we can do. We believe the ISA cap should increase to £25,000 per year and that pensions need to be simpler, more transparent and more accessible. We’re therefore campaigning for a ban on pension exit fees and a cap on Annual Management Charges.
True Potential Group formed
We established True Potential with a management group that has extensive experience of UK advice distribution, investment management and financial services technology. Many of our founding partners are still with us today, which is a testimony to our success, energy and good genes.
Created our first mobile app
Embracing technology has always been at the forefront of what we do. After the creation of the Apple App Store in 2008, our in-house development team moved quickly to create the first True Potential mobile app.
Built an award-winning Platform
Since launching our Platform in November 2011, we have been recognised with an array of awards. Recent awards include ‘Best Platform for Innovation’ at the 2018 Platforum Awards, and the ‘Best Platform Provider’ at the 2017 Schroders UK Platform Awards.
Launched our Stocks & Shares ISA
Our Stocks & Shares ISA lets you make the most of your £20,000 tax-free ISA allowance. However, over the last 7 years we have been campaigning for our clients, as we believe that the Government should increase the tax-free ISA allowance further to £25,000.
Published our first ‘Savings Gap’ survey
Tackling the Savings Gap is an ongoing and longterm project to change the way the UK approaches savings and investments. Over the last five years we have campaigned at Westminster, as well as provided savings gap solutions such as our financial education programme with the Open University, and providing consumer-focussed technology.
Launched our Personal Pension
After gaining permission from the FCA, we launched our Personal Pension to let clients take control of their retirement plan and easily, bring multiple pension pots into one place with minimal fuss, and without charging them to do so.
A world-first, impulseSave®
Launched in March 2014, our world-first top-up technology impulseSave®, allows clients to invest in seconds, on the go and from as little as £1. Since its launch, over £100 million has been invested through the technology with 33% of top ups under £10. We’re helping our clients form the habits of long- term investors with a technology that’s still unmatched in the financial services industry.
Launched True Potential Investor
We launched our direct-to-consumer service in March 2014. Since then, the True Potential Investor team has continued to improve the website and expand our investment proposition. Our Stocks & Shares ISA, General Investment Account and Personal Pension now incorporate the True Potential Portfolios, which combine our unique advanced diversification process with global reach.
Introduced our Auto Enrolment service
We always aim to service businesses of any size no matter how big or small. That’s why our Auto Enrolment service is free for employers and there are no admin fees or ongoing business charges. We now deliver auto enrolment services to 200,000 employees and close to 12,000 organisations joined us in 2017 alone.
Launched Investment Management firm and first funds
True Potential Investments received investment management permissions in Autumn 2014. With a client-first approach, we initially selected eight exclusive funds to start the range, which provided us greater oversight and control.
True Potential Portfolios Launched
We believe that investors are looking for two simple things; the maximum return, for the lowest possible risk. With that in mind, we built our True Potential Portfolios with the aim of helping you do more with your money in today’s rapidly changing world. Since launch, the Portfolios have continued to be extremely popular having had over £4.6 billion invested in them.
Won European Business of the Year in Dubrovnik
We were delighted to become the ‘The Business of the Year’ at the European Business Awards 2016/17. The Grand Final was held in Dubrovnik, Croatia where we beat over 33,000 organisations across all business classes.
Lowered minimum investment to £1
By lowering the minimum investment to just £1, our investors have access to exclusive funds often reserved for high-networth investors. Not only that, our clients can also benefit from our expert oversight and review, even when investing just £1.
Introduced live two-way video chat to True Potential Investor
We’ve always been against the stuffy jargon and inaccessibility of the investment industry, and by adding a face-to-face human element to our service, believe that we can change some of the misconceptions about investing.
Became the first company to win two European Business Awards
We became the first company to win multiple European Business Awards at the 2017/18 event held in Warsaw, Poland. This time we were awarded the ‘European Public Vote’ which was based on individual votes by our clients. This means a lot to us as it shows that we are on the right track in our aim to help people do more with their money.
To see first hand what our Head office looks like, please click the video below to take our 360 degree tour. This is also VR compatable.
Unique to True Potential Investor, our app gives you access to your Fully-Managed Investment Portfolio 24/7 so you can track your performance, set goals and top up your investments on the go with our world-first impulseSave® feature.
You can even link up your bank accounts, credit cards and savings to the app, so you get the full picture of your net worth, all in one place.
Some important information
With investing, your capital is at risk. The value of your investments will rise and fall at times and you could get back less than you invest.