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
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).
We think your money should reflect who you are and what's important to you while helping you achieve your goals.
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.
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.
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)
"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."
State-of-the-art security measures
Two-factor authentication (2FA) and data encryption
Bankruptcy and deposit protection
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 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 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.