Investor’s Page – Who are ebi?
Professional investment management,
working alongside your financial adviser
At ebi, we manage investment portfolios on behalf of retail investors like you.
We work in partnership with your financial adviser, who helps you choose the right investment strategy, while our team manages your portfolio day to day.
Our aim is simple
To provide a transparent, disciplined, evidence-based investment approach designed to support long-term success.
What We Do
Your adviser will help you understand your goals, time horizon and attitude to risk. Once this is agreed, we:
Will select a model portfolio, as agreed with your financial adviser, that aligns with your goals and risk tolerance.
Will manage your portfolio
on your behalf.
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Monitor markets on
an ongoing basis.
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Rebalance your portfolio
when needed.
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Keep your investments aligned with the risk profile agreed between you and your adviser.
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Provide ongoing governance, research and oversight.
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This means you don’t need to make frequent investment decisions yourself. You get the benefit of professional management while maintaining the support of your adviser.
What Is a Discretionary
Investment Manager?
A Discretionary Investment Manager (DIM) is authorised to make investment decisions for you, such as when to buy or sell investments. These decisions are always made within the limits of the risk level and investment strategy agreed between you and your financial adviser.
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You remain in control of your goals, while we manage the investments that support them.
Who Our Service Is Designed For
Our portfolios are suitable for retail investors who:
1. Invest through a financial adviser.
2. Are looking for long-term investment growth (5+ years).
3. Understand that investments can go down as well as up.
4. Prefer their investments to be managed professionally.
5. Value a diversified, evidence-based investment approach.
Your adviser will help select the portfolio that best matches your goals and tolerance for risk.
Our Investment Philosophy
Evidence Based Investing
Our investment approach is guided by decades of academic research. We focus on:
Broad
diversification.
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Keeping investment costs low.
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Avoiding
market timing.
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Maintaining a disciplined,
long-term strategy.
Sustainability and ESG
ESG stands for Environmental, Social and Governance.
These factors help assess how responsibly and sustainably companies operate. Many of our portfolios incorporate ESG considerations to help manage long-term sustainability risks and opportunities.
What fees will I pay?
We believe that investment management should be transparent and fairly priced. Your total costs will include:
• Our portfolio management fee
• The fees of the underlying funds within your portfolio
• Your adviser’s fees.
• Platform or product provider charges.
Your adviser will explain the total cost of investing.
Example:
If you invest £10,000 and our annual fee is 0.12%, you would pay £12 per year for our service (plus fund, adviser and platform fees).
Why our service aims to offer value
Professionally managed
portfolios.
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Lower-cost, transparent investment structure.
An evidence
based investment process.
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Ongoing
monitoring and governance.
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Alignment with your adviser’s financial planning.
Awards and Recognition
Our investment solutions have received independent industry recognition for both value and quality. Awards do not guarantee future results, but they reflect the strength of our approach. Your adviser can provide more information about specific awards.
Support and How to Contact Us
If you have questions about your investment, your financial adviser is your primary point of contact. They understand your goals, needs and personal circumstances. However, you are also welcome to contact us at enquiries@ebi.co.uk, and we will be happy to help wherever we can.
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We are committed to supporting all investors, including those with changing or vulnerable circumstances. If you feel that you may need any additional help or support, or if you would like to make us aware of any personal circumstances that could affect your ability to engage with our services, please contact us at enquiries@ebi.co.uk. We’re here to listen and will do our best to provide appropriate support.
Important Information and Risk Warning
• The value of investments can go down as well as up.
• You may get back less than you originally invested.
• Past performance is not a reliable indicator of future results.
• Your adviser will help ensure your investment strategy remains suitable for your needs.
Frequently Asked Questions (FAQ)
What is a Discretionary Investment Manager (DIM)?
A DIM is authorised to make investment decisions on your behalf, such as when to buy or sell investments. These decisions are made within the risk level and strategy agreed between you and your financial adviser.
Who chooses my portfolio?
Your financial adviser selects the most suitable model portfolio based on your goals, investment preferences, financial situation and attitude to risk. We then manage that portfolio for you on an ongoing basis.
Can I change my portfolio later?
Yes. If your goals or circumstances change, your adviser may recommend switching to a different model portfolio that better suits your updated needs.
Do I need to make investment decisions myself?
No. Once your adviser has selected a portfolio, we manage it for you. Your adviser remains responsible for ensuring the portfolio remains right for your needs.
How often will my portfolio be reviewed?
We monitor and review portfolios regularly, rebalancing them when needed to keep them aligned with the stated risk profile. Your adviser will also review your investments as part of their ongoing service.
Does my portfolio include ESG considerations?
Many of our investment solutions incorporate Environmental, Social and Governance (ESG) factors. Your adviser can explain whether the portfolio recommended for you includes ESG considerations.
What fees will I pay?
You will pay:
• Our portfolio management fee.
• The fees of the underlying funds.
• Your adviser’s fees.
• Platform or product provider charges.
Your adviser will explain the total cost of investing.
Is my money at risk?
Yes. Investments can go down as well as up, and you may get back less than you originally invested. Past performance is not a reliable indicator of future results.
Who do I contact if I have questions?
Your financial adviser is your main point of contact. They understand your personal circumstances and can help you decide whether your portfolio remains suitable.
Disclaimer
Our publications do not offer investment advice and nothing in them should be construed as investment advice.
The information we publish has been obtained from or is based on sources that we believe to be accurate and complete. Where the information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable. Although reasonable care has been taken, we cannot guarantee the accuracy or completeness of any information we publish. Any opinions that we publish may be wrong and may change at any time. You should always carry out your own independent verification of facts and data before making any investment decisions.
The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. Past performance is not a reliable indicator of future results.
EBI Portfolios Ltd is authorised and regulated by the Financial Conduct Authority (FCA). FCA Registration Number: 581079.