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Welcome to the WiseAlpha platform. Please be aware that investments in WiseAlpha Products may not be suitable for everyone. We recommend that if you are unsure you seek professional advice from an FCA regulated adviser.
Only the following category of person/s may access this website – High net worth, Self-certified sophisticated, advised, investment professionals and institutions.
NOTE THAT INVESTMENTS IN WISEALPHA PRODUCTS ARE NOT INTENDED OR SUITABLE FOR RESTRICTED RETAIL INVESTORS
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* Lowest and highest Yield to Maturity of bonds on the market. Pre-tax and fees. Prices can go up or down.
Global banks control the corporate bond market and generally only allow minimum purchase sizes of £100,000+ preventing many investors from getting access.
Investors on our platform purchase Fractional Bonds, which correspond to fractions of corporate bonds, and therefore can gain access to a wide range of bonds from some of the UK's largest companies.
Now you can buy many corporate bonds and create a diversified portfolio that delivers solid, predictable income.
High yield corporate bonds have outperformed UK equities and investment grade bonds over the last 20 years both in terms of returns and price volatility. Learn more
Source: Bloomberg and ICE Data Services. Data as of 15 Jan 2020.
Past performance is not a reliable indicator of future performance. You should not rely on past performance as a guarantee of future investment performance.
As the UK’s leading digital corporate bond market, WiseAlpha employs multiple layers of investor protection to ensure the highest level of trust amongst our users.
All bond assets are held with
Bank of New York Mellon, the largest asset custodian in the world.
Our digital bond programme is overseen by an independent Trustee and administrator, IQ-EQ, the fourth largest investor services firm in the world.
Got questions? We’ve got answers.
We're the UK's leading digital bond market giving investors access to the world of corporate bonds. Our clients can invest in well known British brand name companies via Fractional Bonds. Investors now have the ability to access one of the most attractive mainstream asset classes and are now able to build affordable and diversified portfolios. In this way WiseAlpha is leading the way in democratising what we believe is one of the best risk-adjusted asset classes.
WiseAlpha clients can invest in well known British brand name companies via our Fractional Bonds, thus accessing one of the most attractive mainstream asset classes.
Our clients can select the investments themselves or use our Robowise automated investment service which diversifies their money across different Fractional Bonds on the market and gives them the choice of two income and risk based portfolios: Balanced or Adventurous.
Fractional Bonds are issued by WiseAlpha plc (Ireland), which is designed to be a bankruptcy remote special purpose passthrough vehicle. WiseAlpha Technologies Limited (UK) promotes and arranges the purchase of Fractional Bonds and other WiseAlpha Products. Only WiseAlpha Technologies is authorised and regulated by the Financial Conduct Authority (FRN:751087).
WiseAlpha's products are only suitable for investors who have due professional experience and expertise. These include the following categories of investors - high net worth, self-certified sophisticated, advised, investment professionals and institutional investors.
High net worth investors are investors who 1. in the preceding financial year had an annual income to the value of £100,000 or more. Annual income for these purposes does not include money withdrawn from pension savings (except where the withdrawals are used directly for income in retirement) and/or 2. in the financial year immediately preceding, held net assets to the value of £250,000 or more. Net assets for these purposes do not include: * the property which is my primary residence or any money raised through a loan secured on that * property; or * any rights of mine under a qualifying contract of insurance; or * any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).
Self-certified sophisticated investors are investors are investors to whom at least one of the following applies: * are a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date of categorisation; * have made more than one investment in an unlisted company in the two years prior to the date of categorisation; * are working, or have worked in the two years prior to the date of categorisation, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; * are currently, or have been in the two years prior to the dater of categorisation, a director of a company with an annual turnover of at least £1 million.
Advised investors have taken advice from an FCA authorised adviser in respect of intended investment with WiseAlpha.
Investment professionals are one of the following: * an FCA authorised person * any other person 1. whose ordinary activities involve them carrying on the controlled activity to which the communication relates for the purpose of a business carried on by them; or 2. who it is reasonable to expect will carry on such activity for the purposes of a business carried on by them * a government, local authority (whether in the United Kingdom or elsewhere) or an international organisation * a person (“A”) who is a director, officer or employee of a person (“B”) and the communication is made to A in that capacity and where A’s responsibilities when acting in that capacity involve them in the carrying on by B of controlled activities.
Institutional investors are set up as a legal entity and the person/s that will manage the investment on behalf of the legal entity can be categorised as another qualified investor.
Yes, bond prices can go up or down based on factors which may include financial performance by companies, interest rates, changes in the economy and special events e.g. Brexit or a number of other variables.
WiseAlpha updates the prices of the bonds each business day between 8am and 10am that correspond to each Fractional Bond. It is important to bear in mind that while prices might fluctuate during its life, bonds are contractually required to repay at par (i.e. 100 or face value) so there is an expectancy of capital return which is not the case with equities. Therefore price fluctuations tend not to be as volatile.
A default is when a bond issuer has not met one or more covenants or scheduled payments under its bond agreement. Usually a bond issuer will inform its investors prior to when a default happens that this may occur. In this instance the bond agreement is usually amended by consent of the required number of investors but in the event this does not happen and an issuer breaches a covenant or payment it will be in default and investors can enforce their security over the assets of the company.
WiseAlpha as holder of the underlying bond will vote on any amendments to the bond agreement and update our Fraction Bond holders with any changes to the economic terms of your Fractional Bonds as a result.
WiseAlpha utilises the services of Global Custodial Services Limited (“GCS”) to provide a segregated custodial client account (held with Lloyds Bank plc) for un-invested clients' money. GCS is authorised and regulated by the FCA to hold client money. WiseAlpha plc, which issues the Fractional Bond for our clients to invest in holds the bonds it acquires with high grade global bank custodians in the same way as a fund.
Clients wishing to sell their Fractional Bonds prior to their maturity dates can do so by creating a sell order on the Market page or relevant product page. Liquidity on our secondary market is dependent on there being an available and willing buyer at the market price. You will receive your cash in your account once another member has purchased the investments you are selling. To date everyone who has wanted to sell their investments has been able to do so. However, liquidity is not guaranteed.
WiseAlpha charges a 0.25% discount ("Sale Fee") to the prevailing market price of the Fractional Bonds on the amounts sold.
Our Fees are described further here.
Interest from WiseAlpha Fractional Bonds is currently paid to investors without any tax being deducted.
Any income you earn from your investments in WiseAlpha Products forms part of your overall income and is subject to personal or corporation taxation rules. Interest payable to holders on money invested is charged to income tax in the tax year the interest is received. For example, interest received on 31 December 2018 is received in and taxable for the tax year 2018/19.
You should declare any interest and capital gains to the HM Revenue & Customs on a self-assessment tax return if you are an individual or inform your local tax office. If you are in any doubt about your tax position you should seek independent tax advice.
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