Investment accounts
Hold funds, shares, and exchange-traded instruments in one place. General investment accounts and ISA wrappers are available for individuals meeting our onboarding requirements.
Investments
Investing
Build long-term wealth through investment accounts and portfolio tools, supported by clear risk guidance so you understand the choices you make.
Investment services
Portfolio management
Choose from ready-made portfolios aligned to cautious, balanced, or growth risk profiles—or build your own allocation with access to a curated fund range and performance reporting.
Risk guidance
Complete our structured questionnaire to understand your capacity for loss and investment horizon. We summarise results in plain English before you commit any capital.
Understanding investment risk
The value of investments and any income from them can fall as well as rise. You may get back less than you invest. Past performance is not a reliable indicator of future results.
Lloyd Merchant Bank provides information and execution services. We do not offer personalised financial advice on this page. If you need regulated advice tailored to your full financial situation, consider our wealth management service or an independent financial adviser.
Begin your investment journey
Register to access our investment platform, or arrange a call to discuss portfolio options with a specialist.
Frequently asked questions
Investing is generally suited to goals at least five years away. Because values can fall as well as rise, you should be comfortable with short-term fluctuations. Our risk guidance materials help you assess your attitude to risk before you invest.
Savings accounts prioritise capital security and predictable returns. Investments expose your money to market movements in exchange for potentially higher long-term growth. They are complementary tools for different time horizons.
Yes. Stocks and Shares ISA wrappers are available subject to annual subscription limits set by HMRC. Tax treatment depends on individual circumstances and may change in future.
We charge a platform fee based on assets under management, plus fund charges where applicable. All fees are disclosed in your key information documents before you invest. There are no hidden trading commissions on standard fund purchases.
Related information
Explore your investment options
Speak to our investment team about account types, risk profiles, and how to get started with a diversified portfolio.