True Potential

2.0

#41 of 47 Stocks & Shares ISAs

Website Fees Review

Overview

True Potential is a UK-based wealth management platform and investment services provider offering ISAs, pensions, and general investment accounts. The firm combines financial advisory services with proprietary technology, including their mobile app with unique impulseSave® feature for top-ups. They provide access to multi-asset portfolios managed by global investment partners, alongside financial planning tools and educational resources for investors.

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Fi Score This is a subjective score awarded by Financial Interest based on the account or platform's offering.

Stocks & Shares ISA

2.0

SIPPThis broker does not offer SIPP or we have not added it to our dataset yet.

N/A

Junior Stocks & Shares ISAThis broker does not offer Junior Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Junior SIPPThis broker does not offer Junior SIPP or we have not added it to our dataset yet.

N/A

Lifetime Stocks & Shares ISAThis broker does not offer Lifetime Stocks & Shares ISA or we have not added it to our dataset yet.

N/A

Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.

N/A

Cash ISAThis broker does not offer Cash ISA or we have not added it to our dataset yet.

N/A

True Potential Offers

True Potential welcome bonus

We're not aware of a welcome bonus for True Potential at this time.

View offers _{Capital at risk when investing}

True Potential Fees & Review

Stocks & Shares ISA
SIPP
Junior Stocks & Shares ISA
Junior SIPP

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score 41

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £114

ISA fee notes ^{True Potential only offers funds and charges a 0.4% uncapped platform fee to all investments in the Stocks and Shares ISA. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it.}

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). N/A

In-specie transfersDoes the broker support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. N/A

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. N/A

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. N/A

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. 0.40%

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. Uncapped

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. £0

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. N/A

^Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. N/A

This page may contain errors. We try our best to maintain accuracy but offer no guarantees. Please reach out if you see something that needs correcting.

The True Potential Stocks & Shares ISA allows investors to choose their own investments in mutual funds, offering fractional shares so investors can invest for less money – without having to buy whole units. You're also able to select pre-built portfolios or pay for your portfolio to be managed by professionals. This ISA doesn't offer individual shares, ETFs, commodities, or money market funds.

As this is a flexible ISA, you can withdraw and redeposit in the same tax year without affecting your annual ISA limit.

In-specie transfers are supported, meaning you can transfer your portfolio from another investment platform – or to another platform – as long as the same assets are available on both.

True Potential ranks 44th by Fi Fee for small investors (£10,000 portfolios), and they drop down to 46th for large portfolios (balances of £500,000). To invest, you only need a minimum lump sum deposit of £1.

True Potential only offers funds and charges a 0.4% uncapped platform fee to all investments in the Stocks and Shares ISA. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it.

SIPP

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £114

SIPP fee notes ^{True Potential's pension only offers funds, and charges a 0.4% uncapped platform fee to all investments. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it. The typical ongoing investment charge for using the funds is stated to be 0.74%.}

Minimum account chargeThe minimum amount you need to pay for this SIPP, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). N/A

In-specie transfersDoes this SIPP support the transfer of investments? Yes

^ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. N/A

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. N/A

ETF trading feeThe amount you'll pay to invest in an ETF in this SIPP, excluding trading volume discounts. N/A

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

^{Mutual funds}

Account fee on fundsThe account fee you'll pay when investing in mutual funds. 0.40%

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. Uncapped

Fund trading feeThe amount you'll pay to invest in a mutual fund in this SIPP, excluding trading volume discounts. £0

^Shares

Share trading feeThe amount you'll pay to invest in company shares in this SIPP, excluding trading volume discounts. N/A

^{SIPP features}

Employer contributionsDoes this SIPP allow contributions from your employer? Yes

Director depositsDoes this SIPP allow company directors to deposit company funds? No

DrawdownDoes this SIPP support drawdown? Yes

True Potential's SIPP provides access to invest with your own investment decisions, ready-made portfolios, and professionally-managed portfolios. You can invest into mutual funds. This SIPP doesn't offer stocks and shares, exchange-traded funds (ETFs), commodities, or money market funds (MMFs).

Investors can transfer their investments in-specie, meaning their portfolio can be moved to or from another platform without being converted to cash first.

Fractional shares are supported, meaning it's possible to invest every penny you deposit. You aren't required to buy whole units of each investment.

When it comes to a pension offering, this SIPP covers some (but not all) of the major things the average person would be looking for: drawdown is supported (you can start withdrawing your pension in retirement) and employers can deposit into their employee’s SIPPs, but limited company directors can't deposit via their business.

True Potential's SIPP ranks 24th by Fi Fee for small investors, and it drops down to 30th for bigger investors.

True Potential's pension only offers funds, and charges a 0.4% uncapped platform fee to all investments. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it. The typical ongoing investment charge for using the funds is stated to be 0.74%.

Junior Stocks & Shares ISA

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £114

Junior ISA fee notes ^{True Potential's Junior Stocks and Shares ISA only offers funds, and charges a 0.4% uncapped platform fee to all investments. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it. The typical ongoing investment charge for using the funds is stated to be 0.74%.}

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA. N/A

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA. £0

Share trading feeThe amount you'll pay to invest in company shares. N/A

Junior ISA account feesThe account fees you'll pay when investing inside a Junior ISA. 0.40%

Junior SIPP

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £114

Junior SIPP fee notes ^{True Potential's Junior SIPP only offers funds, and charges a 0.4% uncapped platform fee to all investments. You also need to be aware of the inclusion of personalised financial advice (for a 0.5% fee) that you have to opt out of if you don't want it. The typical ongoing investment charge for using the funds is stated to be 0.74%.}

ETF trading feeThe amount you'll pay to invest in an ETF in this Junior SIPP. N/A

Fund trading feeThe amount you'll pay to invest in a mutual fund in this Junior SIPP. £0

Share trading feeThe amount you'll pay to invest in company shares within this Junior SIPP. N/A

Junior SIPP account feesThe account fees you'll pay when investing inside a Junior SIPP. 0.40%

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