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Watermead Financial Managed Direct

Pension and ISA Service

We offer you an innovative low cost investment and pension solution without any financial or guiding advice provided by Watermead Financial Ltd.

This new service from Watermead Financial Managed Direct allows you to transfer your ISA or Pension funds, pay lump sums in or even set up regular contributions easily.


What is Managed Direct?

Managed Direct is an online non-advised investment proposition enabling you to choose to invest into a Pension or Stocks & Shares ISA account that is low cost, fully online with telephone support, and backed by Quilter Cheviot, one of the UK’s largest and most established investment managers.


Is this right for me?

Managed Direct is a new way for clients to invest who do not require advice and prefer the responsibility of running everything themselves. Pensions and Stocks & Shares ISAs are longer term investments. You may wish to consider these types of investment if saving for retirement or a specific investment goal over a longer period of time. You may be willing to take more investment risk than investing in cash deposit accounts.


Who provides this service?

Watermead Financial Ltd has partnered Intelligent Money to provide you with Watermead Financial Managed Direct. Intelligent Money is both the ISA Plan Manager and Personal Pension provider with a range of fully managed investment portfolios where the underlying money is managed by Quilter Cheviot. Watermead Financial Ltd has built a strong working relationship with both Intelligent Money and Quilter Cheviot. We have belief in their ability to provide a reliable service and their investment process is supported by a proven performance track record.


How does it work?

The fully online system is quick, automated and very easy to use. You can choose from an ISA or Pension investment, and you are guided through a number of investment approaches based on time and risk attitude. Once set up, the online access will allow you to monitor the investment and make any changes you wish to all via your tablet, laptop or PC.


What if I need advice?

Watermead Financial Managed Direct is a non-advised investment solution set up by you. However on reflection you may decide that you would prefer to seek Independent Financial Advice and discuss your options please contact us on 0116 220 2233. Alternatively, after a period of time investing through Managed Direct, you may have some questions regarding your investments that you wish to discuss in more detail, maybe its approaching retirement or withdrawing funds for a capital purchase. At any point, Watermead Financial Ltd can provide an advised face to face service where we can discuss your needs in more detail; however this may attract a separate charge for providing this service.


Important Information

  • An arrangement with Managed Direct is an investment where the capital value may rise and fall. There are no guarantees about the value of your investment and you may not get back the amount invested.
  • An investment with Managed Direct is not a cash investment. You should consider the timescale you expect to be invested for – investments in assets other than cash should always be considered a medium to long term investment. 
  • You should ensure you have fully considered your own financial situation before deciding to make an investment. Ensure you have sufficient available funds to cover any emergencies and unexpected short term expenditure to minimise the risk of having to withdraw money sooner than planned. 
  • This information, other rules, details of charges and the details of your investment options are all available when you enter the Managed Direct site.  
  • Please be sure to read the Key Features and Terms & Conditions documents on the site before proceeding with any investment.
  • Watermead Financial Ltd DO NOT PROVIDE ANY ADVICE on this Managed Direct arrangement. Should you require full advice we would recommend you not use this service, and contact us on 0116 220 2233 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it for our full advice process.
  • Watermead Financial Ltd receives an ongoing fee when you invest with Managed Direct, this fee covers our provision of this service via our website. The amount we receive is a flat fee of 0.5% a year or putting it another way, for every £100.00 (one hundred pounds) valuation within your plan every year Watermead Financial Ltd will receive 50pence per year fee.


I’ve read everything and I’m ready to invest!

Please click on the following link to be transferred to the Managed Direct website.


Last modified on Thursday, 15 August 2019 14:23

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS').  Please see the following link for further details: http://financial-ombudsman.org.uk/