Your very own personal wealth manager

Build a portfolio you can believe in and earn more in the only terms that matter: after tax

The only place you'll get full transparency, flexibility, and automatic tax optimisation

Get started

Define your narrative

In under 5 minutes, get investment accounts and secure your wealth.

With Direct Indexing, you get the lower risk of a diversified portfolio, but keep power over where your money goes. You don't get that with pre-built funds and ETFs.


We'll help you build a diversified portfolio in minutes, with an all-inclusive fee of 0.85%, and no hidden charges.


Our algorithms cut your tax bill effectively giving you £100k extra ISA allowance in a GIA - great if you've maxed yours out!


Your money and assets are held separately with a custodian, and protected by the Financial Services Compensation Scheme (FSCS).

How it works

Tell us about yourself, your goals, and your values

We think your money should reflect who you are and what's important to you while helping you achieve your goals.

We'll suggest a starting point

We'll recommend a model portfolio for you to start from based on your details (or you can choose to start from scratch).

All recommended portfolios are diversified and in line with your risk tolerance, but adjusted to who you are and what you care about.

Personalise your portfolio with complete flexibility

You can make any changes you want down to the stock level, unconstrained by companies being bundled in ETFs, which you'd have at other providers.

That means you can remove any industries you don't want to fund, overweight those you love, or adjust any individual holdings.

We optimise your tax

Our algorithms cut your tax bill to earn you up to 2% higher returns post-tax* compared to holding the equivalent ETF, without increasing your risk!

That means most users earn back way more than our 0.85% fee - we pay for ourselves!

*For an average user with a £100k GIA portfolio, with 8% annual growth over 10 years (FTSE 250 benchmark)

Here's what our users are saying


"I'm here for the long-term - for me and my family. Narrative is perfect for that."



"I had no idea so much of my savings was going towards oil. I've been able to fix my portfolio and understand the impact."



"Great automatic tax savings, I can throw away the crazy Excel table I used to have."


Financial Analyst
We keep your money safe

We protect your account with the highest security standards:

  • State-of-the-art security measures

  • Two-factor authentication (2FA) and data encryption

  • Bankruptcy and deposit protection

About our founding team

Tomek and Hubert believe everyone should have access to the financial tools available to the top 0.1%, and founded narrative to make that happen

Tomek McClintock
Co-founder & CEO

Tomek was a consultant at Bain & Co in London, where he worked with global banks and payments providers.
He holds an MPhil in Economics from the University of Cambridge and a BEng from Imperial College London.

Hubert Ancelot
Co-founder & CTO

Hubert was a hedge fund partner, where he built strategies running a quantitative cross-asset portfolio. He managed the team responsible for the development of trading algorithms and the data infrastructure.
He holds a degree in Finance from Bocconi University.

Our blog

What is Direct Indexing?

Tomek McClintock
February 13, 2023

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