Your options for Self Investment

Spectrum Self Investor allows you to make self investments in a range of Accounts. You can open or transfer a SIPP, ISA or Investment Account using a simple online application process to get access to self investment. Once you have registered you can log in and check your progress, buy and sell investments, and withdraw cash from your ISA or Investment Account whenever you want. The service is administered by Investor Direct which is provided by Investment funds Direct Limited, part of the Royal London Group.

Benefits of the Self Investor

Ease of Access

Once you have registered, you can log straight in to your Account and you will be able to manage your portfolio whenever and wherever you choose. You can invest in a wide range of assets, ranging from funds to stocks and shares.


You can always go back and get advice from your adviser but this service allows you to undertake fund and stocks and shares purchases on your own.

Investment Choice

You can invest in a wide range of assets, ranging from funds to stocks and shares.

Cost Effective

Because you are doing the research and selecting your own investments the charges can potentially be more competitive than arrangements through an adviser.


All the charges will be clearly set out when you register for the service – there are no hidden costs or commissions. You will be paying a fee to Investor Direct for the platform administration, your Distributor for their services, the fund manager (charges available in the selection process) and any transaction fees.

Remember there are no transaction charges for buying funds and the more assets you have on the platform the lower the fee.

How Do I Register?

The Investor Direct Service is a non- advised service where you make all your own investment decisions.

The application process has three stages which will allow you to set up your Account and select your Investments. These are:

– Provide your personal details
– Make your desired contribution (either lump sum or regular contribution)
– Choose your investments.

Once you have registered you will receive an account number. You will then need to set up a password and PIN so you can access your portfolio whenever you want.