The Smart, Common-sense, Modern investment company offering clients 100% transparent, fair fee, discretionary fund management. Started by Alan & Gina Miller
UK
Joined May 2014
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“Dreams start businesses. Plans build estates and secure futures.”
@thatginamiller on Black wealth in Britain and the four changes that would close the gap.
scmdirect.com/black-history-…
#BlackHistoryMonth #WealthGap
Capital at risk.
"Dreams start businesses. Plans build estates and secure futures.”
@thatginamiller on Black wealth in Britain and the four changes that would close the gap.
scmdirect.com/black-history-…
#BlackHistoryMonth #WealthGap
Capital at risk.
Median household wealth: £34,000 for Black African households, £314,000 for White British.
A #BlackHistoryMonth thread on why the gap persists ↓
1/5
Over the same five years – between 2019 and 2023, more than 3,700 white men raised venture funding.
Women-only founding teams of any ethnicity received just 2% of UK venture investment in 2022, and for
Black women the share is a fraction of that at 13.
4/5
The ONS breakdown of wealth by ethnicity covers 2016–18.
What isn’t measured isn’t managed. This needs to change.
Full piece by Gina Miller: scmdirect.com/black-history-…
Capital at risk.
5/5
@SCMDirect co-founder @thatginamiller will be joining @IainDaleAllTalk for Cross Questions at 8pm this evening on @LBC Radio to discuss the upcoming #budget and the top stories of the day.
Other guests Labour MP and former minister @SeemaMalhotra1, former NI first minister Baroness @ArleneFosterUK Foster and journalist @ianbirrell.
Every financial plan assumes a return. Few state the cost.
£100k over 25 yrs: ~£429k at 6% a year, ~£300k after 1.5% in total costs.
Same plan, £128k less. Ask for one all-in figure.
#WorldFinancialPlanningDay
Illustrative only. Capital at risk.
The state pension debate reminds us it was only ever a floor, not a retirement plan.
A comfortable retirement depends on your own savings, and the earlier you invest, the more time your pension pot has to grow.
Costs matter too: high fees compound as surely as returns.
scmdirect.com
*Capital at risk.*
#Triplelock #retiremnt #pemsion #SIPP
57% of graduates are women, yet no gender impact assessment was done on the student loan system or changes.
Lower pay + career breaks + a debt that keeps growing = the pension gap, 30 years early.
For any new students starting university, make sure you read the fine print!
Gina Miller 🎧 investorschronicle.co.uk/con…
#StudentLoans #freshersweek @IChronicle
41% of young men aged 18–35 are investing.
Only 20% of women of a similar age are.
That gap doesn't close with age. It compounds - through lower pay, career breaks and the pension gap - for 40 years.
Gina Miller 🎧 investorschronicle.co.uk/con…
#PensionAwarenessWeek
@IChronicle
The next generation of family money says it wants transparency; but buying opacity.
They're moving money into less transparent, less liquid, and dearer assets - when lower-risk options are available.
Right diagnosis. Wrong cure.
Also, 97% of family offices say heirs' priorities differ from the founders/parents. Similar across all families.
👉scmdirect.com/blogs-family-o…
#FamilyOffice #WealthManagement #InvestmentCosts #Investmentrisk
*Capital at risk*
Only 23% of couples discuss money, investing or pensions. MoneyShe research.
This Pension Awareness Week, have the conversation. And whatever else you do - have an account and a pension in your own name.
investorschronicle.co.uk/con…
#PensionAwarenessWeek 🎧
@IChronicle
2025 data: 71% of UK assets are owned by men.
More women hold their money in cash - which, against inflation, is a slow puncture.
"Visibility is not the same as confidence and voice." - Gina Miller, in a new @IChronicle Investors' Chronicle podcast
investorschronicle.co.uk/con…
#PensionAwarenessWeek 🎧
Capital at risk.
Budget 28 October. Gilt yields climbing. Comparisons of the AI boom to 1999.
Where do the risks and opportunities sit for investors?
Hear from our CIO Alan Miller & Bond Specialist Charles Samen - between them, they’ve run money through the dot-com crash, 2008, and everything since.
Weds 23 Sept - 16:00 Investment Webinar
REGISTER TODAY - us06web.zoom.us/webinar/regi…
Capital at risk.
On any food item, there’s a label telling you all the ingredients.
It’s time for a Fee Label to tell you all the costs, charges & cuts on your pension & investments
Our suggestions to the @FCA are here scmdirect.com/blog-three-ste…
The FCA's own analysis of its new cost rules admits investors may be left to add up their own charges.
We've published our response to their cost consultation – 3 fixes, none of them difficult. 🧵
@theFCA
1/6
Fix three: say what happens to your cash.
Bank Rate 3.75%. Platforms pay under 1% to 2.8%. The rest goes in their pockets. It isn't called a charge, so it appears on no fee schedule.
5/6
Over 20 years, the gap between an all-in cost of 0.85% and 2% is almost exactly a fifth of your final pot.
Read our full blog here - includes a 5-step, 10-mins way to work out your costs scmdirect.com/blog-three-ste…
Our FCA submission scmdirect.com/wp-content/upl…
6/6
