The Netwealth Liquid Reserves Portfolio
Low Risk. Capital Stability. 4.7% Gross Yield.
Sign up to NetwealthLow-risk investment for new and existing clients
Finding low-risk investments that balance accessibility and returns can be challenging. Many traditional accounts either restrict withdrawals or offer minimal gains. Our Liquid Reserves Portfolio provides daily liquidity, enabling you to request access to your funds when needed. While funds are not immediately accessible, they are typically settled and paid out within a few days, delivering competitive yields in the current high-interest environment.
While we're stanch advocates of long-term investing, this portfolio is perfect for those seeking flexibility and security from market volatility.
*While daily liquidity is available, remember your capital is still at risk
What assets are included in my Liquid Portfolio?
Your liquidity account is made up of low-risk money market funds and ultra-short term bonds. You can also invest in this portfolio via Individual Savings Accounts (ISA) or Pension tax wrappers, and the funds can be withdrawn or moved up the risk spectrum at any time.
Money market funds provide cash-like returns by investing in high-quality, short-term assets from top-rated issuers. They aim for capital preservation, diversification, and yields in line with interest rates.
Open your Netwealth portfolio in three steps
Sign up online with Netwealth in two minutes
Quickly sign up to our free online investment service with your name and email, and find out more about our offering, including our investment portfolios and track record.
Open your Netwealth account
Once you are logged in, select 'Open an account' in the top navigation bar, and go through the quick steps: base currency (GBP, USD or EUR), your investment goal and the account details (ISA, Pension or GIA) and portfolio risk level. To invest in a Liquid Reserves portfolio, you need to select Risk Level 1, in the 'Risk Level' section. The minimum to invest with Netwealth is £50,000.
Our client service will be in touch within 24 hours
After completing all steps to open your account, our client service team will then follow-up 24 hours later, to confirm your details and portfolio selection. You can then fund your new Netwealth account using our quick and easy online payment and transfers feature.
Income. With all the Netwealth benefits
100% flexibility
There is no minimum period to hold your money and you can exit or move your cash to another Netwealth portfolio at any time. Income is paid every month into your account.
Full service account
Invest via a general investment account or tax wrappers including Pension and ISAs and also benefit from our services around contributions, withdrawals and transfers.
Managed by an expert team
Similar to our other portfolios, the Netwealth Liquid Reserves is overseen by our investment team who actively monitor its performance and risk.
Qualified advisers available
Our team of financial advisers are at hand should you need to check-in on your financial goals or reassess your plans for the future.
Much more than yield—a full service account
Our experienced advisers and powerful financial planning tools are available to plan and manage your wealth with you.
And if you have any queries or need help setting up regular contributions, our client service team are always on hand. They can assist with withdrawals or manage transfers from other providers on your behalf.
You can open a Liquid Reserves Portfolio in all of our account types (General Investment, ISA, JISA and Pensions) so it's easy to hold one alongside your existing investment portfolio.
An experienced team looking after your money
Our highly experienced investment team offers a wide range of portfolios to give all clients the best chance of meeting their investment goals. We keep costs much lower than traditional wealth managers by investing mainly in passive funds and exchange-traded funds (ETFs), and by using powerful technology to increase our efficiency.
We take a very active approach to managing money and reducing risk: by constantly monitoring the economy and markets we are well placed to adapt our investment positions depending on the environment.
This approach also helps us to spot opportunities – and to continually deliver a service which meets the needs of investors today.
Insights
Netwealth Liquid Reserves FAQs
How do I open a Netwealth Liquid Reserves portfolio?
To open a Netwealth Liquid Reserves portfolio, you need to sign up to our free online investment service with your name and email.
Once you are logged in, select 'Open an account' in the top navigation bar, and go through the quick steps: base currency (GBP, USD or EUR), your investment goal and the account details (ISA, Pension or GIA) and portfolio risk level. To invest in a Liquid Reserves portfolio, you need to select Risk Level 1, in the 'Risk Level' section.
If you need any help setting up your Netwealth account or new portfolio, please contact our client service team at clientservice@netwealth.com or 020 3795 4747.
What are the assets behind the Netwealth Liquid Reserves?
This portfolio consists of high-quality, short-term assets including fixed income, cash, and money market funds. The fixed income exposure comprises short-term debt from governments, banks and companies with strong balance sheets and high credit ratings. The assets in the Liquid Reserves aim to deliver a combination of capital preservation, liquidity, and yield.
What is the expected yield from this type of account?
Due to the high-interest rate environment we currently find ourselves in, the estimated gross yield on offer for this portfolio is 4.7% per annum for GBP portfolios, and the income is paid monthly into your account. There is no minimum holding period and you can exit or move the cash to another Netwealth portfolio at any time. This is not a guaranteed rate and is subject to change.
What is the risk associated with this Portfolio?
This portfolio is appropriate for the most conservative investors who are seeking capital preservation and yield from a diversified portfolio with daily liquidity. Please remember that despite this offering being low risk and low volatility, it is still an investment and when investing your capital is at risk. The Portfolio is managed by our investment team who actively select the most appropriate assets as well as monitoring performance and risk.
What are the fees for the Liquid Reserves?
We aim to keep the total cost of investing as low as possible, and we provide total transparency to our clients. The investment management and admin fee for the Liquid Reserves Portfolio is 0.75% if you invest between £50,000 and £249,999, 0.60% for investments between £250,000 and 999,999 and 0.45% if you invest more than £1,000,000. There are also underlying fund and trading costs, estimated at 0.15% and applicable to any level of investment.
Our fees are based on the total net contributions to your account and include: investment management, custody and safe keeping of your investments, transaction charges, administration, and any applicable VAT.
We do not charge initial fees or fees to transfer in pensions, ISAs or cash.
Is there a minimum investment to open a Netwealth account?
There is a minimum investment of £50,000 per client. This is across all account types. Lower minimums are available through the Netwealth Network.
Can I open an ISA or pension with the Netwealth Liquid Reserves?
Yes, you can invest in this portfolio using Pension and ISA tax wrappers up to the respective personal annual allowances.
Who will be looking after my money?
The Liquid Reserves portfolio, like our other Netwealth portfolios, is managed by our investment team. Our experienced team manage portfolios actively whilst keeping costs lower than traditional wealth managers by investing mainly through passive funds. The investment team closely monitor the economy and markets and adapt our investment positions across all portfolios accordingly.
In terms of security, all client assets are separately custodied and ring-fenced. Client money is held in accordance with the applicable FCA rules and protected under the Financial Services Compensation Scheme (FSCS).
Is there a minimum period to hold my money on the Netwealth Liquid Reserves?
There is no minimum period to hold your money and you can exit or move your cash to another Netwealth portfolio at any time. Income is paid every month into your account.
I am already invested in Risk Level 1, do I need to do anything?
No if your goal remains a low risk investment targeting capital preservation, liquidity and a secure yield, then if you remain in Risk Level 1 you will be invested in the Liquid Reserves portfolio. If you want to take a higher level of risk then you can switch Risk Level in the normal way. Our advisers are available to provide further guidance.
