Your very own Personal Wealth Manager

You deserve better than generic investments
Build a portfolio that's personal to you: your goals, values, and concerns
Our tech makes your money work harder, so you do better


Define your narrative

In under 5 minutes, get investment accounts and secure your wealth.

With Direct Indexing, you get a diversified portfolio with lower risk, but have power over where your money goes. You don't get that with generic funds and ETFs.


We'll help you build a diversified portfolio in minutes, with easy deposits and withdrawals and a simple, all-inclusive fee of 0.85%.


Our algorithms can boost your returns 2% per year through tax optimisation without increasing your risk. You won't find that anywhere else, as we're the first to use Direct Indexing in the UK.


Your money and assets are held separately with a custodian, and protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

Try our fund explorer to discover your portfolio

Most investing platforms put your money into generic ETFs - do you really know where it's going?

94% of investors who used our tool discovered that their investments weren't aligned with their values. See how yours are doing.

How it works

Tell us about your goals, values, and concerns

Your money should reflect who you are and work for your goals.

That's why we take into account everything that's important to you, including your short and long-term goals, your core values, and any market risks you're worried about (like inflation!)

We'll design a portfolio just for you

Together, we'll build a Stocks & Shares ISA and/or GIA portfolio based on diversified indices (like the FTSE 100, S&P 500, MSCI World) so you don't have all your eggs in one basket.

We use Direct Indexing to dustriyou don't want to support, and those which expose you to risks you're worried about.‍

We automatically lower your taxes

Our algorithms help you earn up to 2% higher returns post-tax* vs. holding the equivalent ETF (for GIAs) without increasing your risk!

That means most users earn back more than our 0.85% fee - we pay for ourselves!

*For an average user with a £100k GIA portfolio, with 8% annual growth over 10 years (FTSE 250 benchmark)


Here's what our users are saying


"I'm here for the long-term - for me and my family. Narrative is perfect for that."



"I had no idea so much of my savings was going towards oil. Narrative's tool helped me fix my portfolio and understand the impact."



"Narrative has helped me nail my tax savings and maximise returns without the crazy Excel table I used to have!"


Financial Analyst
We keep your money safe

We protect your account with the highest security standards

  • State-of-the-art security measures

  • Two-factor authentication (2FA) and data encryption

  • Bankruptcy and deposit protection

About our founding team

Tomek and Hubert believe everyone should have access to the financial tools available to the top 0.1%, and founded narrative to make that happen

Tomek McClintock
Co-founder & CEO

Tomek was a consultant at Bain & Company in London specialized in financial services, where he worked with global banks and payments providers.
He holds an MPhil in Economics from the University of Cambridge and a BEng from Imperial College London.

Hubert Ancelot
Co-founder & CTO

Hubert was a hedge fund partner, where he built strategies running a quantitative cross-asset portfolio. He managed the team responsible for the development of trading algorithms and the data infrastructure.
He holds a degree in Finance from Bocconi University.

Our blog

What is Direct Indexing?

Tomek McClintock
September 14, 2022

How we optimise your taxes

Tomek McClintock
September 15, 2022

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