Closing the Gender Investment Gap
Women retire with 40% less than men do.
MoneyShe exists to change that.
Award winning financial empowerment
Capital at risk. The value of investments can go down as well as up
FCA Authorised & Regulated No. 497525 | moneyshe.com | A trading name of SCM Private LLP
Your Investment
Journey Starts Here
Built by women, for women -
because financial independence shouldn’t be optional
MONEY /She
S M A R T W O M E N I N V E S T
No woman should feel financially
trapped - whatever the circumstances.
Gina Miller, Founder
“
CONTENTS
Inside This Brochure
01
About MoneyShe
Our story, values, and investment philosophy
02
Your Money Growing
Proven performance that reflects your financial goals
03
Girls Just Want to Have Funds
Portfolios Designed Around Your Goals
04
Nothing to Hide
Transparent Fees That Work in Your Favour
05
Meet the Team
The people on your side, championing your financial independence
MoneyShe | Empowering Your Financial Future | 1
moneyshe.com
MoneyShe | Empowering Your Financial Future | 2
moneyshe.com
A PERSONAL WELCOME
Dear Investor,
I founded MoneyShe to address the stark gender
investment and pension gap - a gap that leaves women
retiring with, on average 40% less than men.
Traditional investment services often overlook women’s
unique financial journeys, leaving many feeling
belittled, sidelined and uninspired. MoneyShe was
created to change that. To make women more confident
and active investors.
We offer you a tailored investment platform and
supportive pathway to financial independence.
Our services are designed specifically for women
- empowering you with the tools, knowledge, and
confidence to achieve your financial ambitions.
Whether you’re ready to make your first investment,
secure your family’s future, start your dream business,
build a comfortable retirement pot, or have a financial
cushion for whatever life might throw at you - we’re
here to help.
As a survivor of domestic violence and divorce, mother
and businesswoman - I know firsthand why financial
independence isn’t just important - it’s essential.
No woman should feel financially trapped - whatever
the circumstances.
We listen to your goals, share your values, and even
invest alongside you, because your success is our
success.
Together, let’s rewrite the rules of wealth.
Gina Miller
Founder, MoneyShe
July 2026
“MoneyShe is committed to breaking down barriers so women can make smart investment
decisions and have equal access to financial independence.”
Skin in
the Game
Gina and Alan invest
significant amounts
of their personal
and family wealth
alongside clients,
on exactly the same
terms and fees.
Putting their money in
what they believe in
is true alignment.
So your success is
our success.
MoneyShe | Empowering Your Financial Future | 3
moneyshe.com
THE CASE FOR ACTION
Women face a unique set of financial challenges that make investing not just a smart choice — but an
essential one. The data is clear: doing nothing has a cost. Understanding these gaps is the first step to
closing them.
Why Invest?
The Numbers Women Need to Know
You could retire with 40%
less than a man does
Women reach retirement with a median pension
of £173,000 - men have £286,000. That’s a
£113,000 gap, and more than 1 in 3 women face
poverty in later life. The gap isn’t your fault. Closing it
can be your choice.
Scottish Widows, 2025
When you want to build a
business, the system makes
you work harder for capital
Of every £1 of equity investment, barely 2p goes to
female-founded companies - and only 13% of the
people making decisions on VC teams are women.
Building your own financial security shouldn’t depend
on their permission.
British Business Bank, Investing in Women Code, 2025
The work of raising a child
is unpaid - but it isn’t free
Raising one child to 18 costs a single parent
around £290,000 - and women head 85% of single-
parent households. Investing early, even modestly,
means the future you’re funding includes your children’s
and your own.
CPAG, Cost of a Child, 2025
More than anyone, you may
need to provide for yourself
Two in five women over 65 live alone - far
more than men. Without a partner’s income, financial
self-sufficiency isn’t a nice-to-have. It’s the plan.
ONS, 2024
Every year you stay in
cash, the gap grows
The gap between what men and women
invest has reached £678 billion - roughly the size
of Switzerland’s economy. Just 6.7 million women
invest, versus 10 million men. Investing is the single
biggest lever you need to close it.
Boring Money, 2025
If your marriage ends, your
income can halve overnight
In the year after divorce, women’s household
income is cut roughly in half - men’s falls by about
30%. A Which? survey found 58% said pensions weren’t
even discussed at their divorce proceedings.
Legal & General, The Divorce Gap 2025; Which? survey, 2022
You’ll likely live longer
than a man - and pay for
more of it
Women live around 3.9 years longer but spend more
of those years in poor health and facing higher care
costs. A longer life needs a longer-lasting plan.
ONS National Life Tables, 2022–24
Cash feels safe. But inflation
has other ideas
Women are more likely to keep their money in
cash, where inflation quietly erodes its value every
year. £500 a month invested for 20 years
instead of being saved in cash could leave you
around £90,000 better off.
Illustrative; capital at risk
Based on ~6% p.a. invested vs ~1.5% cash
THE BOTTOM LINE
You earn less, you’re handed more of the care, you live longer, and you pay more in later life. The system
wasn’t built with you in mind - but your next move can be.
Even small, regular investing can rewrite your financial future. That’s exactly what MoneyShe is here to
help you do.
Sources: Scottish Widows Women & Retirement Report 2025; British Business Bank Investing in Women Code 2025;
CPAG Cost of a Child 2025; ONS Families & Households 2024; Boring Money 2025; Legal & General Divorce Gap Research;
ONS National Life Tables 2022-24. Figures are UK-specific and represent averages; individual circumstances will vary.
£
Investing involves risk.
The value of investments can fall as well as rise, and you may get back less than you invest.
MoneyShe | Empowering Your Financial Future | 4
moneyshe.com
Think of it this way: Bonds are like lending a
friend £100 and getting £105 back. Equities are
like owning a slice of her business - riskier, but if it
grows, so does your slice.
Why MoneyShe uses ETFs: Our portfolios are
built entirely from ETFs - giving you broad diversifi
cation, transparency, and low costs in one elegant
package.
YOUR KNOWLEDGE TOOLKIT
You don’t need a finance degree to invest well. Here are the building blocks that underpin smart investing
— explained simply.
Investing Essentials:
What Every Woman Should Know
Bonds vs Equities
A bond is a loan you make to a government or company.
They pay you regular interest and return your money at a
set date - generally lower risk, steadier returns.
An equity (share/stock) means you own a small piece of
a company. Higher potential returns over time, but prices
move up and down more in the short term.
Shares vs ETFs
A share is ownership in one specific company (e.g.,
Unilever). If that company struggles, so does your
investment.
An ETF (Exchange-Traded Fund) holds a basket of many
shares, bonds, or assets in one package. It trades on the
stock exchange like a single share but instantly gives you
diversification across dozens or hundreds of holdings.
Real example: When UK markets fell in 2022,
global and bond exposure cushioned the impact.
Diversification means you don’t have to predict
the future - you’re prepared for it.
Why Fees Matter - A Lot
Fees may sound small - 1% here, 2% there — but they
compound against you every single year. Over a lifetime
of investing, high fees can consume a staggering share
of your returns.
Diversification: Your
Financial Safety Net
Spreading money across different investments (bonds,
equities, regions, sectors) reduces the risk that any
single downturn derails your plan.
MoneyShe portfolios hold 9,506 underlying
investments across global markets - so you’re never
reliant on any single company or country.
The maths:
£100,000 invested for 25 years at 7% nominal
growth:
• At 0.85% fees (MoneyShe) → £444,600
• At 2.00% fees (industry avg) → £338,600
That’s £106,000 lost to fees alone.
(illustrative only; actual returns may be higher or lower)
MoneyShe | Empowering Your Financial Future | 5
moneyshe.com
YOUR KNOWLEDGE TOOLKIT - CONTINUED
More Essentials for Confident
Investing
Key insight: Missing just the 10 best trading
days over 20 years can halve your total returns.
Patience isn’t passive — it’s your most powerful
strategy.
The maths:
UK inflation averaged 3.8% per year over the past
century, and equities returned 4.9% real (above
inflation). Cash? Just 0.5% real - barely preserving
your purchasing power.
Patience Powers
Performance
Markets go up and down in the short term — that’s
normal. But history shows that time in the market
beats trying to time the market virtually every time.
The UK stock market has delivered positive returns in
83% of all 10-year periods since 1900 — and 99%
of all 18-year periods.
Inflation: The Silent
Thief
Inflation erodes the purchasing power of your money
every year. At 3.8%, £100 today is worth only about
£39 in 25 years.
Cash in a savings account currently loses value in real
terms. Investing has historically been the most reliable
way to stay ahead of inflation over the long run.
The confidence gap is the only gap holding
women back — patience, discipline, and focus
are qualities women already have.
Why a Discretionary
Portfolio Beats a Fund
With a fund, your money is pooled with thousands of
others. The manager can’t tailor anything to you, and
you may pay for their trading mistakes.
With a discretionary portfolio (what MoneyShe
offers), you own every investment directly. Your
portfolio manager can act quickly, tax-efficiently, and
in your specific interest.
The Evidence: Women
Are Better Investors
Research consistently shows that when women do
invest, they tend to outperform men. A 2018 study
by Warwick Business School of self-directed investors
found that female investors outperformed men by
1.8%. Past studies are not a guarantee of future
investment outcomes.
Why? Women trade less frequently (avoiding costly
mistakes), they do more research before investing and
are less likely to follow trends.
MoneyShe | Empowering Your Financial Future | 6
moneyshe.com
YOUR KNOWLEDGE TOOLKIT - CONTINUED
The takeaway: £1,000 invested in UK equities in 1899 would be worth around £396,000
in today’s money - after inflation. The same £1,000 left in cash: about £1,890.
Equities don’t just beat inflation, they build wealth.
100 Years of Evidence: Equities and Bonds
Outperform
The Barclays Equity Gilt Study 2025 - one of the most respected pieces of long-term investment
research - tracks UK asset class returns since 1899. The message is unambiguous: over the long
term, equities deliver significantly higher real returns than every other major asset class.
ASSET CLASS
ANNUALISED REAL RETURN
£1,000 BECOMES
UK Equities
UK Gilts
Cash (Savings)
~4.9% per year
~1.4% per year
~0.5% per year
~£396,000
~£5,500
~£1,890
Source: Barclays Equity Gilt Study 2025 (UK data since 1899, to end-2023). Total returns, income reinvested,
real (after inflation), gross of tax and charges. A single asset class is shown for illustration; diversified
portfolios will differ. Past performance is not a guide to future returns; capital at risk.
Your Portfolio, Your Ownership
POOLED FUND
✗ Manager buys/sells for everyone
✗ No individual tax planning
✗ Forced to sell if others withdraw
✗ Hidden costs from fund trading
MONEYSHE DISCRETIONARY
✓ Decisions made for your benefit
✓ Tax-efficient management (ISA, SIPP)
✓ Unaffected by other investors
✓ Full transparency on all costs
Sources: Barclays Equity Gilt Study 2025, Warwick Business School 2018, Fidelity International 2021, Bank of
England, ONS. All data illustrative; past performance is not a guide to future returns. Capital at risk.
All returns shown after inflation
WHO MONEYSHE IS FOR
Built around your
Built around your life
Independent
Legacy
Builder
Empowered
Family
Planner
Values-Led
Trusted
Partnership
Seeker
The Independent Woman
Confident, self-driven, and committed to
building wealth on your own terms.
The Legacy Builder
Creating financial security for yourself
and your family, across generations.
The Newly Empowered
Navigating independence after life
changes - career success, divorce,
inheritance - and ready to grow your
wealth meaningfully.
The Family Planner
Prioritising stability, providing for your
future self, and protecting your family
with risk-appropriate strategies to meet
life’s milestones.
The Values-Led Investor
Your money doing good, and building
you a good financial future, through our
ethical ESG Portfolio - 54.5% return since
inception in July 2019 (net of all fees,
data as at 30 June 2026).
The Trusted Partnership Seeker
Looking for a team that has your back, is
on your side, and you can trust with your
investments.
MoneyShe | Empowering Your Financial Future | 7
moneyshe.com
You’re Not Just a Client - You’re Part of a Community
MoneyShe connects, educates and celebrates women at every step of their
investment journey.
Not sure where to start?
Try our FREE Investment Matchmaker - takes just 5 minutes
https://moneyshe.com/investment-matchmaker-risk-questionnaire/
02
Your Money, Growing
Proven performance that reflects your financial goals
MoneyShe | Empowering Your Financial Future | 9
moneyshe.com
02 - PERFORMANCE
All portfolios managed by Alan Miller - 35+ years of award-winning expertise. Here’s what that looks like
for you.
Your Money, Working Hard
Growth of £100,000 Invested at Inception
£150k
£200k
£250k
£300k
2009
2013
2015
2017
2021
2023
2025
£359.6k
£283.4k
£151.8k
2019
Absolute Return
Bond Reserve
Long-Term Return
2011
£350k
Past performance should not be seen as a guide to future returns. Data as at 30 June 2026
COVID Recovery
£100k
259.6%
Long-Term Return
Since Inception June 2009
183.4%
Absolute Return
Since Inception June 2009
51.8%
Bond Reserve
Since Inception June 2011
17+
Years Track Record
9,506
Long-Term Return: 137 govt
+ 1,693 corp bonds
+ 7,676 equities
0.85%
Avg Total Cost
FCA
Regulated
What if you’d started in 2009?
£10,000 invested in our Long-Term Return Portfolio would now be worth
£35,960
That’s the power of patient, low-cost, diversified investing
£400k
03
Girls Just Want to
Have Funds
Portfolios designed around your goals
MoneyShe | Empowering Your Financial Future | 11
moneyshe.com
03 — OUR PORTFOLIOS
Choose Your Path
All portfolios actively managed using carefully selected ETFs. Your money is held in your own name.
All performance data is shown net of ALL fees. Data as at 30 June 2026.
51.8%
since inception
since inception
since inception
80.4%
since inception
Your Values and Your Returns, Growing Together
Bond Reserve
Since June 2011 | Benchmark: Cash
Absolute Return
Moderate
Since June 2009 | Benchmark: Cash
183.4%
Long-Term Return
Since June 2009 | Benchmark: UK RPI All Items Index
259.6%
Equity Portfolio
Since July 2019 | Benchmark: RPI + 5%
Cautious
Adventurous
Growth
Our Ethical ESG portfolio has returned 54.5% since 2019 - proving you don’t have to sacrifice
returns to invest with your conscience
Also Available: 50/50 blended portfolios I EUR options
Ethical
Growth
Since July 2019 | Benchmark: RPI + 4%
Screens out any fund with significant exposure to tobacco,
nuclear weapons, adult entertainment, gambling or civilian firearms
54.5%
since inception
04
Nothing to Hide
Transparent fees that work in your favour
MoneyShe | Empowering Your Financial Future | 13
moneyshe.com
04 — FEES & CHARGES
Nothing to Hide
Our Transparency Promise
No performance fees, no adviser charges, no initial charges, no exit penalties.
We publish ALL costs in one Total Cost of Investing figure, updated monthly.
0.85%
vs
2.00%
Fee Component
Bond Res.
Abs. Return
Long-Term
Ethical
Equity
SCM Management
0.40%
0.40%
0.40%
0.40%
0.40%
Underlying ETF Costs
0.11%
0.14%
0.16%
0.19%
0.19%
Custody & Admin
0.12%
0.12%
0.12%
0.12%
0.12%
Transaction Costs
0.15%
0.16%
0.16%
0.19%
0.18%
Total All-In Cost
0.78%*
0.82%*
0.84%*
0.90%*
0.89%*
Save over 57% on fees
£100k over 5 years at 4.5% growth:
MoneyShe: £19,632 return vs £13,141 with typical provider
That’s £6,491 more in your pocket!
*Fees will vary according to the current selection of ETFs and current levels of trading activity.
When investing via the Hubwise SIPP, an additional administration charge of 0.1%+VAT applies
(min £15+VAT, max £50+VAT p.a.), charged monthly pro-rata. An additional annual fee of £125+VAT applies to
any SIPP in drawdown. Other event-based fees (e.g. UFPLS £75, death £200, divorce £500, all +VAT)
and full details are set out in the SS&C Hubwise SIPP Schedule of Charges and Key Features Document.
Typical UK IFA wealth management fees
are c2.00% per annum.
Long-Term specifically is 0.84%
(source: Numis/FT2023)
Average SCM Direct vs Industry Average
Our fees are 100%
transparent, nothing hidden
0.40%
0.12%
0.15%
0.12%
0.06%
0.85%
per annum MoneyShe/SCM Direct
annual management fee
per annum administration and
custody fee
per annum typical underlying ETF
charges
per annum estimated trading costs of
buying and selling ETFs
per annum estimated transaction
costs within the ETFs
per annum Total Cost of Investing
MoneyShe | Empowering Your Financial Future | 14
moneyshe.com
04 — WAYS TO INVEST
Your Account Options
All accounts held on a secure, segregated, protected platform and held in the client’s own name,
with full FCA protection.
Start your investment journey from just £10,000 and as little as
£200 per month thereafter
Because we believe financial independence shouldn’t have a high price of entry.
I
ISA Stocks & Shares ISA
Tax-free investing - the smart first step for most women. No tax on
gains or dividends.
Minimum investment: £10,000
S
SIPP Self-Invested Pension
Take control of your pension. Same investment quality institutional
investors enjoy.
Minimum investment: £10,000
£60,000
Annual Allowance
J
JISA Junior ISA
Build your child’s financial future from birth - a wonderful head start in life.
Minimum investment: £9,000
£9,000
2026/27 Allowance
G
GIA General Investment Account
No limits. Ideal for growing wealth beyond ISA and pension allowances.
Minimum investment: £10,000
No limit
Contribution
£20,000
Annual Allowance
Investing Through Life’s Milestones
Career promotion 4 Top up your ISA
New baby 4 Open a Junior ISA
Divorce or inheritance 4 GIA for flexibility
Retirement planning 4 SIPP for tax relief
Starting a business 4 Build your personal financial security alongside your success
05
Meet the Team
The people on your side, championing your financial independence
MoneyShe | Empowering Your Financial Future | 16
moneyshe.com
05 — THE TEAM
In Your Corner
Alan Miller
Chief Investment Officer
35+ years fund management experience.
Launched the first UK equity long/short hedge
fund 1997, compounding at 17.2% p.a. versus
the FTSE 4.0%. Former Main Board Director at
Jupiter Asset Management, responsible for their
Specialist High Performance Portfolios.
Gina Miller
Founder
Trailblazing businesswoman and advocate. 30+
years in the investment industry, and is a champion
for financial independence for women. Founded
MoneyShe to help close the gender investment
gap, and increase women’s financial independence.
Spearheads the True & Fair Campaign aimed at
increasing consumer protection.
Charles Samen
Investment Committee & Bond Specialist
40+ years in global fixed income markets for Bank
of America, Paribas, and Cantor Fitzgerald, Charles
is our dedicated Bond Specialist, contributing
rigorous fixed income expertise to our long-term
investment strategy. His approach combines
macroeconomic insight with disciplined bottom-up
analysis.
Zoe Brady
Client Relationship Manager
30+ years as an Executive Assistant in Investment
Banking. Your first point of contact. Calm,
methodical, friendly, problem-solving approach to
all aspects of your journey.
MoneyShe | Empowering Your Financial Future | 17
moneyshe.com
05 — THE GENDER WEALTH GAP
Why This Matters
You were never the problem. The industry was
If investing has ever felt “not for women like me” - that was by design, not by accident.
We built MoneyShe to undo that: plain English, no judgement, no jargon, no snobbery.
40%
less pension wealth than men at
retirement
£113k
average pension gap by
retirement age
59%
of women have never
invested
57%
of industry campaigns talk
down to women - we don’t
I always thought investing wasn’t for people like me. MoneyShe showed me it absolutely
is - and the results speak for themselves. I’m feeling a lot less stressed about my future
financial security.
MoneyShe Client, 2025
Capital at risk; past performance is not a guide to future returns
“
AWARDS & RECOGNITION
CEO Today Magazine – Businesswoman of the Year Award
UK Financial Services Provider of the Year - 2024
Vanity Fair Challenger Award - 2021
UK Legal Diversity Lifetime Achievement
Online Wealth Management Firm of the Year - London 2025
Harper’s Bazaar - Campaigner of the Year
Best Online Female Wealth Manager - 2024
Brummell Award - Women in Finance
Proud supporters of The Amber Trust Charity
Using music as a key to unlock the world for children with complex needs
The Amber Trust
Music for Blind Children
“ Together we’re closing the gap “
Investing isn’t intimidating. The way it’s been sold to women is
For decades, the industry wrapped investing in jargon, gatekept it behind high minimums, and talked down
to women. When they do talk to women, it’s mainly about saving, but when they talk to men, it’s about
making money and growing wealth.
The result: 63% of women say they don’t know how to begin - not because they can’t, but because
no one built it for them. MoneyShe was – with plain English, no judgement, no jargon, no snobbery.
06 — YOUR JOURNEY STARTS HERE
Ready to Take Control?
Getting started with MoneyShe is simple
Three steps to your financial independence.
Choose Your Account
ISA, SIPP, JISA, or GIA
Select Your Match
Use our Investment Matchmaker
Put Your Money to Work
Easy online application
www.moneyshe.com
or book a free consultation call
Michelin House, 81 Fulham Road, London, SW3 6RD
enquiries@moneyshe.com | www.moneyshe.com
MoneyShe is a trading name of SCM Private LLP, authorised and regulated by the Financial Conduct
Authority (No. 497525). Registered in England and Wales, OC342778.
Client assets held by SS&C Hubwise Securities Ltd in segregated nominee accounts.
Your capital is at risk. Past performance is not a guide to future returns.
The value of investments can go down as well as up, and you could get back less than you invested.
MONEY /She
S M A R T W O M E N I N V E S T
Start Investing in
Your Future Today
Take the 3 minute Investment Matchmaker today
https://moneyshe.com/investment-matchmaker-risk-questionnaire/