Frequently Asked Questions (FAQ)2022-12-16T12:27:55+00:00

Frequently Asked Questions

What are your fees?2022-12-15T10:31:44+00:00

BlueSphere offers a fixed initial fee of £1800 for our analysis, planning, and advice services. This fee covers our assessment of your current pensions, savings, and investments. Once our analysis is complete, we will provide a report on whether moving your investments to BlueSphere is a suitable option, considering factors such as performance, fees, and risk.

In addition to the initial fee, we offer two ongoing service options with simple charging structures:

  • Investment Review Service: We charge 0.7% of funds under care for our pension and investment review only service, with a minimum fee of £1200.
  • Full Financial Planning Service: We charge 1% of funds under our care for comprehensive financial planning services, including multiple pension and investment management, retirement planning, estate planning, and inheritance tax planning. The minimum fee for this service is £1800.

For the first 12 months, we will offer our services free of charge to build a long-term relationship with our clients. We are confident that our services will provide value and repay your trust in us.

For one-off advice requests, our fees will vary depending on the complexity of the request. We will provide a clear fee estimate before beginning any work, and an invoice will be issued upon completion.

For more information, please contact us to request a copy of our brochure.

Is this the same as Ethical Investing?2021-02-08T12:43:13+00:00

No.Ethical investments will screen out certain industries such as tobacco, alcohol and armaments, but the companies that are left may still have a negative impact on the planet. Impact investing is different as impact investments are made into companies that are seeking a positive impact on the planet. All the benefits of ethical investing, but with impact investing you are actively investing into the companies creating a positive impact on the planet.

Can I access my investments online?2022-12-13T16:14:24+00:00

We use an online platform for managing your investments, similar to online banking. When you log in, you can view your investments and their performance, as well as other relevant information. This platform provides a convenient and secure way to manage your investments.

Are my investments protected?2022-12-13T16:15:29+00:00

Your investments may be eligible for protection up to £85,000 by the Financial Services Compensation Scheme (FSCS). However, please note that this protection does not apply if your investments lose value. Capital is at risk. For more information, visit www.fscs.org.uk.

Can I still earn a financial return by impact investing?2022-12-13T16:16:32+00:00

While our main goal is to provide you with a financial return, we do so in a way that also benefits people and the planet. However, it’s important to note that all investments carry risk and can fluctuate in value.

Are my investments tied up?2022-12-13T16:12:27+00:00

You can access your investments at any time. If you need to access your investment capital, it will typically take around 14 working days to sell your investments and generate cash that can be transferred to your bank account. Please note that fees may apply.

How does impact investing differ from traditional investing?2022-12-14T10:55:06+00:00

Impact investing is a type of investing that focuses on generating positive social and environmental impact alongside financial returns. Traditional investing, on the other hand, primarily aims to maximise financial returns without considering the broader impact of the companies being invested in.

At BlueSphere, we believe that impact investing offers a more holistic and responsible approach to investing. By choosing to invest in companies that are creating positive change, we can help drive progress towards a more sustainable and equitable future. This can also provide a more fulfilling investment experience for our clients, who can align their values with their investments.

Additionally, impact investing can offer financial benefits such as diversification and risk reduction, as well as opportunities for growth in emerging markets. Overall, impact investing provides a compelling alternative to traditional investing that considers both financial and non-financial factors.

What industries do you exclude from your investment portfolio?2022-12-15T10:34:57+00:00

At BlueSphere, we believe in the power of investing to create positive change, and we take a responsible approach to choosing the companies we invest in. We exclude certain industries that we believe have a negative impact on people and the planet, including tobacco, alcohol, armaments, and fossil fuels. We also exclude companies with poor environmental, social, and governance (ESG) performance and those that engage in controversial activities such as deforestation or animal testing. By carefully selecting the companies we invest in, we aim to support a more sustainable and equitable future.

How do you measure the impact of your investments?2022-12-15T10:35:52+00:00

At BlueSphere, we take a comprehensive approach to measuring the impact of our investments. We use a variety of metrics and tools to assess the environmental, social, and governance (ESG) performance of the companies in our investment portfolio. This includes evaluating their carbon emissions, labor practices, and impact on local communities, among other factors. We also engage with our portfolio companies to encourage them to improve their ESG performance and report on their progress regularly. Additionally, we collaborate with independent third-party organisations to verify and validate our impact measurement efforts. Overall, our goal is to ensure that our investments are having a positive impact on people and the planet.

Can I customise my investment portfolio with your company?2022-12-15T10:37:45+00:00

Yes, at BlueSphere, we offer customised investment solutions for high net worth individuals with a minimum investment of £500,000. Our team of experienced financial advisors will work closely with you to understand your investment goals and risk tolerance, and will recommend a tailored portfolio that aligns with your objectives and values.

Our goal is to provide you with a personalised and rewarding investing experience that meets your individual needs and helps you achieve your long-term financial objectives. We strive to deliver exceptional service and support throughout your journey with us.

Do you offer any educational resources for your clients?2022-12-19T18:10:40+00:00

Yes, at BlueSphere, we believe in empowering our clients with the knowledge and resources they need to make informed investment decisions. To that end, we offer a range of educational resources on our website and through our client portal.

These resources include guides on impact investing, information on the companies and funds in our investment portfolio, and insights on market trends and developments.In addition, our financial advisors are available to provide personalised support and advice on any aspect of your investment journey.

Each month we’ll aim to bring a bit of humanity and common sense back into the world of finance.