Wealth management

Personal financial advice to give you the opportunities, the life and the future you and your family deserve.


Ban of Scotland in partnership with Schroders personal wealth.
 

What our clients love about our service

Achieve more together

Schroders Personal Wealth and Halifax/Bank of Scotland can offer the stability, depth and breadth of over 400 years combined worth of industry experience. 

We care about your goals

Whether it’s achieving your ambitions, investing, planning your retirement or passing on your wealth, we take the time to learn what is important to you.

Making finances simple

We keep everything straight forward and bring you along with us, each step of the way. No baffling jargon.

Check you’re eligible and book your free consultation

How Schroders Personal Wealth portfolios performed versus cash and inflation.

  • Past performance data

    Date

    Cautious Portfolio

    Balanced Portfolio

    Dynamic Portfolio

    Cash

    Inflation

    Date

    31 Dec 2019 to 31 Dec 2020

    Cautious Portfolio

    2.68%

    Balanced Portfolio

    2.52%

    Dynamic Portfolio

    4.43%

    Cash

    0.19%

    Inflation

    0.59%

    Date

    31 Dec 2020 to 31 Dec 2021

    Cautious Portfolio

    3.71%

    Balanced Portfolio

    9.55%

    Dynamic Portfolio

    15.89%

    Cash

    0.05%

    Inflation

    5.39%

    Date

    31 Dec 2021 to 31 Dec 2022

    Cautious Portfolio

    -11.16%

    Balanced Portfolio

    -7.71%

    Dynamic Portfolio

    -5.59%

    Cash

    1.39%

    Inflation

    10.53%

    Date

    31 Dec 2022 to 31 Dec 2023

    Cautious Portfolio

    6.71%

    Balanced Portfolio

    7.76%

    Dynamic Portfolio

    9.46%

    Cash

    4.61%

    Inflation

    3.99%

    Date

    31 Dec 2023 to 31 Dec 2024

    Cautious Portfolio

    6.17%

    Balanced Portfolio

    9.91%

    Dynamic Portfolio

    13.28%

    Cash

    5.05%

    Inflation

    2.19%

    Date

    31 Dec 2004 to 31 Dec 2024

    Cautious Portfolio

    122.90%

    Balanced Portfolio

    201.92%

    Dynamic Portfolio

    316.43%

    Cash

    43.43%

    Inflation

    75.79%

    Source: FactSet, Schroders Personal Wealth December 2024, PDPS performance prior to 1 June 2019 reflects the investment Portfolio Service managed by Lloyds Bank PLC. Returns are net of underlying fund fees and charges and gross of SPW fees. Cash is represented by SONIA Overnight rates; inflation is represented by the Retail Prices Index (RP)

    These figures refer to the past and the past performance is not a reliable indicator of future results.

How does it work?

 

Image of advisor Katie Nutting.

1. Chat with us

We’ll talk openly about your current situation and how we can shape the financial future you want. No paperwork needed.

2. Create your financial picture

A more in-depth conversation where together we’ll build a deeper understanding and simplify the complexity.

3. Put your free plan into action


We combine our discussions with our expertise in advice to provide tailored recommendations for your financial future. Once you’re happy, we’ll get started.

Fees and charges will apply if you proceed.

 

Schroders Personal Wealth has been awarded a 4.8/5 “Excellent” rating for the quality of service they provide.

Based on 1,395 reviews on Trustpilot as of March 2025.

 

How expert advice can help you

 

Invest for the future

Protect yourself against inflation and explore ways to minimise taxes.

By investing, you can pave the way towards financial growth and stability.

Invest for the first time with confidence and strengthen your current investment portfolio.

This could include:

  • Self-Invested Personal Pension (SIPP)
  • General Investment Account (GIA)
  • trusts
  • other tax-efficient accounts.
 

Plan your retirement

Make future plans and help ensure that you have the financial freedom to enjoy them.

If you’re retired or will be soon, see how we can help make the most of the funds you have.

Review existing personal pensions and make sure you are using your pension in a way that works best for you.

This could include:

  • Self-Invested Personal Pensions (SIPP)
  • pension drawdowns
  • annuities
  • investments and bonds.
 

Protect you and your family

Illness, injury or loss of income can impact you and your family.

The right plan can give you peace of mind and give support if the worst should happen.

Find the right cover for you and your loved ones and explore long-term care options.

This could include:

  • life insurance
  • critical illness cover
  • income protection.
 

Pass on your wealth

Pass on your wealth in the way you intend by taking full advantage of the tax opportunities available.

Maximise what you can leave to your loved ones and explore options to manage your estate.

This could include:

  • wills and estate planning
  • power of attorney
  • estate administration services.

The value of investments and income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment. Tax treatment depends on individual circumstances and may change in the future.

Ready to get started?

Schroders Personal Wealth specialist advisers give all suitable customers a free personalised financial plan.

Our advisers don’t work on commission, so we only recommend products or services we believe best suit your needs.

Charges will only apply if you choose to take out a product or service. The amount will vary depending on the type of advice you choose. More about fees and charges.

If you’re unsure where to begin or need more information about what to expect, please read these common questions.

If you have any questions or would like to speak to Schroders Personal Wealth, please call 0808 167 4282.

Check you’re eligible and book your free consultation

Bank of Scotland in partnership with Schroders personal wealth

Your dream is only a plan away

Discover more about Schroders Personal Wealth in this introduction video. Learn how Schroders can bring you from where you are now to where you want to be.

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An insight into financial advice

When considering financial advice, explore our articles to help you make an informed decision

 

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Important legal information


Your call may be monitored or recorded. Call costs may vary depending on your service provider.

Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No 11722983. Authorised and regulated by the Financial Conduct Authority.