SCM Direct

The Smart, Common-sense, Modern investment company offering clients 100% transparent, fair fee, discretionary fund management. Started by Alan & Gina Miller

[SCM Direct @SCMDirect]

#SpaceX is coming to market - as index rules are bending to wave mega-IPOs in fast.

The bubble risk falls on cap-weighted trackers, forced to buy at any price - and the squeeze may peak in 2027/28.

Our SCM portfolios are weighted by real economics, not hype.

Read our full Market Insight piece 👇
https://t.co/wVu1LIPON0

*Capital at risk*

#Investing #ETFs #IPO #MarketStructure #WealthManagement

[SCM Direct @SCMDirect]

Findings from the Pensions Commission interim report "We are already in a pensions crisis."

15m Brits are under-saving for retirement. 3 in 4 employees contribute less than 12% of their salary.

Reality is that the State Pension won't fill the gap.

Time to act & take control of your future – with a low-cost SIPP. https://t.co/RknQusiyIz

#Pensions #Retirement #SIPP #PensionsCrisis #PersonalFinance #Investing

[SCM Direct @SCMDirect]

When markets are volatile, holding and hoping is not a strategy.

A calmer way to stay invested is in an absolute return strategy - read our latest blog 👇

https://t.co/yh1SXp7Vuk

Our MoneyShe Absolute Return Portfolio: 17 years track-record, 174.2% net of costs (to 30.04.26)

0.82% total annual cost - no hidden fees!

📌 Capital at risk. Past performance is not an indicator of future results.

[SCM Direct @SCMDirect]

And the cost matters: 0.82% total annual. No performance fees. No initial charges. No exit penalties.

Our latest #investmentblog on how the strategy works and what's in the portfolio today https://t.co/aHVnnzUT9L

*Capital at risk. Past performance is not a reliable indicator of future results*

4/4.

[SCM Direct @SCMDirect]

"Buy, hope and hold” isn't a strategy.
#Inflation shocks, rate cycles, geopolitics, AI booms, banking wobbles - portfolios built for one type of market get caught badly when conditions shift.
A short thread on how #absolutereturn strategies are designed for different market conditions 👇
1/4

[SCM Direct @SCMDirect]

The SCM Direct Absolute Return Portfolio has been doing this since 8 June 2009.

174.2% net of all costs to 30 April 2026. Through Brexit, COVID, the 2022 bond rout and the rate-cutting cycle that followed.

Past performance is not a reliable indicator of future results.

3/4

[SCM Direct @SCMDirect]

3/3

Call it what it is.

It isn't a loan if most women will never repay it. It isn't a loan if interest outruns your salary. It isn't a loan if it follows you for 40 years.

The student loan is a tax - and women are footing the bill. See @thatginamiller’s submission to the Treasury Select committee Inquiry at the end of the op-ed

https://t.co/tvoZxNL3fR

[SCM Direct @SCMDirect]

1/3

The student loan system in its current form is no longer a loan. It's a gendered tax. Here's why that matters — and why policymakers keep ignoring it. 🧵

https://t.co/wYz2NIOd9r

[SCM Direct @SCMDirect]

2/3

The student loan has quietly become something else: a 40-year graduate tax that hits women hardest.
Lower lifetime earnings + career breaks + compound interest = a system where women pay more, for longer, and often never clear the debt.

@thatginamiller’s article in Political Home @HouseMagazine 👇

https://t.co/tvoZxNL3fR

[SCM Direct @SCMDirect]

Always happy to help → https://t.co/Qlt7jdbJhM

Capital at risk.

[SCM Direct @SCMDirect]

UK #inflation 3.3% today and rising

> Real returns matter more than ever now

Industry average of 2% fees + 3.3% inflation = your capital barely grows.

SCM 0.9% + 3.3% inflation = growth compounds

>On £100k over 10 years, that's £11,870 more in your pocket with SCM

#Fairfees #realreturns #investing #inflation

[SCM Direct @SCMDirect]

⏰ 48 hours. That's all that's left.

Your ISA, JISA and SIPP deadline is 27 March - not 5 April.
Easter moved it. Allowances don't roll over. When it's gone, it's gone.

Don't let this be the year you lost it to a deadline you didn't see coming.
👉 https://t.co/MlVZnOdopN

#ISA #SIPP #penison #SCMDirect #TaxYearEnd #investing

[SCM Direct @SCMDirect]

Markets are pricing in 75bps of @bankofengland rate hikes by year-end. This is a policy error.

UK inflation is being driven by a Middle East energy shock - oil up ~50%, gas up ~90%.

Raising rates won't lower the price of oil. It will crush an economy already forecast to grow just 1.0%.

The textbook response to cost-push inflation? Look through it. Don't compound the damage!

Alan Miller, CIO, @SCMDirect

#BankOfEngland #InterestRates #UKEconomy #Inflation #OilPrices

[SCM Direct @SCMDirect]

Don’t lose your tax-free saving allowances – Unused allowances don't roll over. Use it or lose it

The tax year-end falls on Easter Sunday this year. So, the admin deadline for a ISA, JISA, SIPP isn't 5 April - it's 26 March 2026

Markets are unsettled / volatile at present. But 30 years of evidence tells us staying calm and staying invested is what builds long-term wealth.

Time in the market matters more than timing the market! Fear is expensive

Our Total Cost of Investing: 0.8 - 0.9% pa - nothing hidden.

👉 https://t.co/MlVZnOcQAf

#ISA #SIPP #TaxYearEnd #ETFs #stocksandshares #bonds
# equities

[SCM Direct @SCMDirect]

SM Co-Founder Gina Miller has played a pivotal role in legislative changes affecting #Transparency of fees and holdings in #investments and #pensions - as well as legislative changes in special needs education, modern day slavery, and holding political leaders to account through her landmark constitutional legal cases.

She recently spoke with Corinium about how, at a time when organisations often believe they have control over every risk, leaders have a lot to gain from recognising where their sense of control may be illusory.

👉 Read the full article here: https://t.co/bOcWBHb14u

@thatginamiller
@MoneyShe_

[Gina Miller @thatginamiller]

Looking forward to joining @NickFerrariLBC on @LBC tomorrow morning 07.40 to talk about our new research on how UK savers and investors are reacting to #RachelReeves #autumnbudget

And a huge opportunity the Chancellor is missing out on in terms of growing our #economy

@SCMDirect
@MoneyShe_
#ISAS
#pensions
#investments
#WealthManagement
#stockandshares
#ecomonicgrowth

[SCM Direct @SCMDirect]

As @bankofengland and the IMF wake up to the overvaluations and frothiness of #UStechstocks - our contrarian, fundamentals approach spotted this months ago.

Our blog from our CIO, Alan Miller, in April on the #MagnificentSeven #TechStocks
https://t.co/SUf3ZjW0ya

#investing
#InvestSmart
#StockMarket
#WealthCreation

[SCM Direct @SCMDirect]

💡 When Markets Forget Gravity

After weeks of markets climbing daily, today they’ve finally paused for breath.

For a while, the rally seemed to defy reason - driven less by fundamentals and more by FOMO: the fear of missing out.

When investors chase momentum instead of value, markets can rise for all the wrong reasons.

At https://t.co/0Do8KmPKgb we believe true investing isn’t about catching every high - it’s about building long-term wealth on real foundations:

📊 Strong company fundamentals
🧭 Sensible diversification
🕰️ Patience through the noise

Because what goes up for the wrong reasons… often comes down the same way.

Take the long view. Invest smart. Stay grounded. 🌱

#Investing #FOMO #financialwellness #LongTermInvesting #Markets #FinancialConfidence
#WealthManagement #pensions #retirementplanning

[SCM Direct @SCMDirect]

Latest UK Consumer Prices Index (CPI) holds at 3.8% with the #Inflation picture increasingly ugly

Things are set to get worse before they get better, with a @bankofengland rate cut unlikely - so #investors need to focus on real returns

See here
https://t.co/Z18TnKkpMe