Uvistium
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20 questions, direct answers

Frequently asked questions.

The 20 questions new clients most commonly raise — answered briefly and precisely. No marketing prose, no cross-references to external pages.

How much capital do I need to start?

£200 minimum deposit. There is no difference in fees or model access between smaller and larger accounts — the 0.72% flat rate applies identically across all balances.

How are my investments actually executed?

Through FCA-authorised Tier-1 brokers in the UK and EU, with direct market access. Uvistium never holds client funds directly — all investments sit in a segregated account held in your name at the broker.

What are the true costs?

0.72% per annum as a single flat fee. No performance charges, no hidden costs, no Faster Payments or BACS deposit or withdrawal fees. Broker spreads are market-standard and not marked up by us.

Am I regulated and protected?

We partner with FCA-authorised broker firms. Client funds are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per client, per authorised institution. For balances above that, we split placements across multiple broker partners.

How quickly can I withdraw?

Withdrawal requests are processed the same working day if received before 3:00 pm London time. Faster Payments typically arrive within hours; BACS within one working day. No lock-up window, no small print.

Which deposit methods are accepted?

Faster Payments (free, near-instant), BACS (free, 1 working day), CHAPS (bank fee applies, same day for large amounts), SEPA from Eurozone (free, 1 working day), debit card Visa/Mastercard (instant, 1% broker fee).

Who is my contact?

Every account is assigned a named adviser. You receive their direct line and email in the welcome message. Larger accounts (from £50,000) additionally receive a senior adviser.

What is attribution reporting?

A monthly memo (8–12 pages) that maps every return contribution on your account to within 0.01% — to a specific model decision, sector, or individual position. You see precisely where every movement came from.

How are taxes handled?

Uvistium is not a tax adviser. Your broker partners issue annual tax certificates suitable for filing UK self-assessment or ISA claims. Capital gains above the annual CGT allowance (£3,000 for 2026/27) are your responsibility to declare. We recommend consulting a chartered tax adviser for material portfolios.

What happens if Uvistium becomes insolvent?

Your investments do not sit with Uvistium — they sit with the broker partners in your name. If Uvistium Ltd were to enter insolvency, your positions remain unaffected. You would receive direct access to your broker account and could hold or sell positions.

What happens during technical outages?

Our platform runs across two geographically separated Tier-3 data centres in London and Manchester with automatic failover. Recovery time objective: 4 hours. During outages, positions are held safely — no uncontrolled execution.

How do you handle my personal data?

Fully compliant with UK GDPR and the Data Protection Act 2018. Your data is used solely to deliver our service, never sold. You retain the right to access, rectify, erase, and port your data at any time — see the privacy notice.

Can I adjust my portfolio myself?

Yes, within predefined limits. You can set the risk profile, maximum crypto allocation, and sector exclusions. The models operate within those constraints. Manual opening of individual positions is not available — that would undermine algorithmic discipline.

How often does trading occur?

On average, 12 trades per week on a typical account. Holding period typically 4 hours to 15 days. No high-frequency strategies.

Can you recover my previous losses?

No. Nobody credible can promise that. Past losses are past losses — we focus on generating risk-adjusted returns going forward. Be wary of any provider promising "loss recovery" — this is almost always a scam.

How is Uvistium MiFID-compliant?

Uvistium partners with MiFID-compliant broker firms. Your executions occur under best-execution principles; ex-post reports are made available quarterly by your broker.

Can I bequeath my account?

Yes. The account is held in your name at the broker and may be inherited under English or Scots law (per your residency). We recommend including access details and your Uvistium contact in your estate planning.

How is Uvistium financed?

Self-financed through platform fees and by institutional shareholders (details visible in Companies House filings). No venture debt, no need for aggressive growth at any cost.

What if I am not satisfied?

You may close your account at any time without notice period. Withdrawal of the full balance within one working day of order closure. Complaints are first handled internally; if unresolved, you may refer the matter to the Financial Ombudsman Service (FOS).

Why should I trust Uvistium?

Please do not — not immediately. Verify our Companies House registration, the FCA authorisation status of our broker partners, our ISO 27001 and SOC 2 certifications. Speak with an adviser before depositing. Start with the £200 minimum. Judge us after the first attribution memo.

Not found what you needed? Write to [email protected] — we reply within one working day and add frequently raised questions to this list.