Market Activity
Would it look very different?
July 24, 2026
Related Links
Imagine nobody had ever invented wealth management.
No advisers. No platforms. No investment firms.
Nothing.
Tomorrow morning someone says...
"Right... we need to build an industry that helps people grow their wealth."
So let me ask you...
What would we build?
Would we build an industry where...
Or...
Would we build something completely different?
I think we'd build something that looked far more like Spotify than a traditional wealth manager.
Transparent.
Technology-led.
Real-time.
Subscription based.
No lock-ins.
No hidden charges.
No mystery.
No waiting three months to find out what your money has been doing.
Most industries have already gone through this transition.
We don't rent DVDs from Blockbuster anymore.
We don't hail taxis by standing in the rain.
We don't queue in banks every Friday afternoon.
We don't wait a week for someone to post us a train ticket.
Technology changed the experience.
Yet investing...
For many people...
Still feels remarkably similar to twenty years ago.
The strange thing is...
The investment world has changed dramatically.
Markets move faster.
Information moves instantly.
Artificial intelligence is reshaping entire industries.
Clients expect transparency.
Yet many wealth management firms still operate almost exactly as they always have.
When Ed and I founded TPP, we didn't ask...
"How do we build a better wealth management company?"
We asked...
"If the industry didn't exist today... what would we build?"
That question changed everything.
We removed annual management fees.
We removed lock-ins.
We removed exit penalties.
We gave clients complete visibility.
We built technology around the investor instead of expecting the investor to fit around the business.
Most importantly...
We focused relentlessly on one thing.
Performance.
Because ultimately...
Nobody invests to receive quarterly reports.
Nobody invests because they enjoy paying fees.
Nobody wakes up hoping for benchmark-like returns.
People invest for one reason.
To grow their wealth.
Everything else should support that mission.
Will TPP be perfect?
Of course not.
Markets are unpredictable.
We'll have periods where we're wrong.
Every active manager does.
But at least our incentives remain aligned.
If we aren't adding value...
People simply leave.
That's how every modern business should work.
Earn the right to keep your customers.
Every single day.
Maybe that's why wealth management is finally starting to change.
Not because firms suddenly want it to.
Because investors do.
History tells us something...
Industries don't get disrupted when technology changes.
They get disrupted when customers realise there's a better way.
Maybe...
That's exactly where investing is today.
Every great disruption starts with one simple question:
"If we were building this industry today... would we build it like this?"
For us...
The answer was obvious.
That's why we built TPP.
This is exactly why we do what we do.
While others continue to follow yesterday's model, we'll continue doing everything we can to challenge it, improve it and earn your trust every single day.
Thank you for being part of the journey.
Ask yourself one simple question...
Is your investment manager built for the world that existed twenty years ago... or the one we're investing in today?
If you'd like to see how TPP works, how we build portfolios and why more investors are choosing a different approach, we'd be delighted to show you.
Book a complimentary portfolio consultation and strategy call.
We'd love to meet you.
SCHEDULE A CALL WITH TPP: CLICK HERE.
TPP's year-to-date average return across participating client accounts is 21.87%*.
Interested in learning more? CONTACT OUR TEAM...
*Results as of 10 July 2026 and refer to the combined average of all client discretionary portfolio accounts (across all strategies), after fees, calculated on a Time Weighted Return basis.
Disclaimer: This document is issued by TPP, being provided for information purposes only. This document does not constitute legal, tax, accounting or investment advice, nor should it be relied upon when making investment decisions. This is not a personal recommendation or an offer or invitation to buy or sell any financial instrument. The market conditions and views expressed are as at the date of publication, which may change without notice. Unless otherwise stated, market data has been obtained from sources believed to be reliable. While believed to be accurate, no representation or warranty is given as to its completeness or accuracy.
TPP strategies invest in leveraged financial instruments, including equity index futures. Leverage can magnify both gains and losses, meaning losses may occur more quickly than in unleveraged investments. Investments involve risk and investors may lose some or all of their invested capital. Your capital is at risk.
Past performance is not necessarily a reliable indicator of future performance. The value of investments, and any income from them, can fall as well as rise, and investors may not recover the amount originally invested. Future returns are not guaranteed. Therefore, you should not assume that the future performance of any specific investment or investment strategy will be profitable or equal to the corresponding past performance.
TPP is a trading name of UCapital Asset Management LLP. UCapital Asset Management LLP is authorised and regulated by the Financial Conduct Authority (FCA No. 477155). 80 Coleman Street, London EC2R 5BJ.
“TPP might just be about to revolutionise investment for the retail market.”
- London Stock Exchange 2020
