Future Money

What Future Money does

Future Money (legal entity: futureMoney Ltd) is a UK-based multi-manager investment solutions provider established in late 2008 and headquartered in Carlisle, England. The firm is authorised and regulated by the Financial Conduct Authority (FCA register number 600460) and operates four actively managed investment portfolios — Real Value, Real Growth, Dynamic Growth, and Income — structured as Open-Ended Investment Companies (OEICs) with return targets measured against UK Consumer Price Index (CPI) inflation, ranging from CPI to CPI+3% per annum over five-year periods. Margetts Fund Management serves as the Authorised Corporate Director (ACD), handling administration, dealing, and compliance, while lead fund manager Richard Cole (CFA) and Managing Director Toby Ricketts set portfolio positioning via weekly Investment Committee meetings and tactical asset allocation.

The underlying investment approach is a multi-manager model that holds between 12 and 20 underlying funds per high-conviction portfolio, selected across asset classes, regions, and investment styles to deliver diversification. The OEIC structure enables tax-efficient rebalancing without triggering capital gains events. Future Money distributes exclusively through independent financial advisers (IFAs) in a B2B2C model, with no direct retail engagement, no public pricing, and a relationship-based quoting process through adviser partners.

Revenue is generated through recurring management fees on the four OEIC portfolios. The firm has 1-10 employees, no external funding, and no subsidiaries. It engages IFAs and their end clients through content marketing — market commentary articles, the 'Making Sense of Markets' webinar series, quarterly reports, and direct fund manager access. Portfolios carry independent DeFaqto ratings of 3, 5, 5, and 6 stars. The company was originally established within Armstrong Watson before becoming independent, and has no disclosed institutional or private equity backing.

Name

Future Money

Legal name

futureMoney Ltd

Website

https://futuremoney.co.uk

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Future Money is a UK FCA-regulated multi-manager investment firm offering four OEIC portfolios (Real Value, Real Growth, Dynamic Growth, Income) distributed exclusively through independent financial advisers to UK wealth management and pension clients.

Ownership category

akta.pro rank

Product category

Multi-Manager Investment Management

NAICS

Open-End Investment Funds (525910), Open-End Investment Funds (52591), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Fund of Funds & Multi-Manager Mutual Funds (FSAAAEAL)

akta.pro secondary industry

Multi-Asset Fund-of-Funds & Multi-Manager Allocation (FSAAAJAI)

Keywords

• Multi-manager investing
• Fund of funds management
• Investment portfolio management
• Wealth management solutions
• OEIC fund management

Headquarters

HQ city

Carlisle

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales, Technology or R&D

Revenue model

1. Multi-Manager Fund Management Fees: Future Money earns revenue through management fees on the multi-manager investment portfolios. The funds are structured as OEICs and administered by Margetts Fund Management as the Authorised Corporate Director.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

futureMoney Ltd provides actively managed multi-manager investment portfolios built on an Open-Ended Investment Company (OEIC) structure, blending underlying funds from multiple investment managers across asset classes and styles. It offers four risk-profiled portfolios (Real Value, Real Growth, Dynamic Growth, and Income) targeted at meeting UK CPI inflation-based objectives, distributed exclusively through independent financial advisers in the UK.

Product overview

Future Money provides four actively managed multi-manager investment portfolios (Real Value, Real Growth, Dynamic Growth, and Income) built on an Open-Ended Investment Company (OEIC) structure. The portfolios invest across a variety of funds managed by professional investment managers, blended together using the team's expertise. Each portfolio has different investment objectives measured against UK CPI inflation targets: Real Value targets inflation-beating returns, Real Growth targets CPI+1%, Dynamic Growth targets CPI+3%, and Income targets CPI+1% with a focus on income distribution. The funds can be held individually or blended together to meet different client needs and risk profiles. Future Money operates as the Investment Manager while Margetts Fund Management serves as the Authorised Corporate Director (ACD) handling administration, dealing, and compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Real Value Portfolio

Quantifiable outcome

• Portfolios intended to deliver returns at least meeting UK CPI inflation over five-year periods
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Margetts Fund ManagementcoreImplementation/ SI/ Consulting PartnerMargetts Fund Management serves as the Authorised Corporate Director (ACD) for Future Money's investment funds. They handle administration, dealing, and compliance services. Toby Ricketts is CEO of Margetts Fund Management and co-fund manager of Future Money portfolios. The companies operate jointly with shared investment committees.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• 7IM (Seven Investment Management): Larger UK multi-manager and discretionary manager targeting advisers and wealth managers with risk-profiled multi-asset portfolios. Directly comparable proposition though materially larger scale.
• Tatton Investment Management: UK adviser-focused investment manager offering model portfolios and multi-manager solutions distributed exclusively through IFAs. Highly comparable distribution model and target customer.
• Margetts Fund Management: UK multi-manager fund of funds provider (and Future Money's ACD partner); competes in the same adviser channel with risk-rated multi-manager portfolios. Direct operational overlap, sharing personnel and infrastructure.
• Hawksmoor Investment Management: UK-based boutique multi-manager fund of funds manager distributing exclusively through financial advisers, with a similar risk-profiled portfolio range and inflation-aware investment philosophy. Closely comparable in scale, channel and product construction.
• Premier Miton Investors: UK asset manager with a multi-asset fund range distributed through advisers, including multi-manager and risk-profiled portfolios. Comparable channel and proposition though broader product shelf.

Broad incumbents

• Brooks Macdonald: UK wealth and investment manager with multi-asset portfolio services for advisers and private clients. Overlapping capability set but materially broader offering and scale.
• Quilter Investors: Large UK asset manager with multi-asset fund ranges distributed through adviser platforms. Comparable in proposition but with substantially more scale, brand and platform integration.
• Royal London Asset Management: Large UK asset manager offering multi-asset funds to advisers and intermediaries. Competes in the same adviser distribution channel with multi-manager-style propositions.
• Abrdn: Global asset manager with a significant UK multi-asset fund range distributed via adviser platforms. Overlaps with Future Money in multi-manager capability but operates at vastly different scale.
• Liontrust Asset Management: UK-listed asset manager with multi-asset and fund-of-funds capability distributed through advisers. Broader portfolio but overlapping multi-manager exposure for UK IFA clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/future-money

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Future Money