Wealth management designed around you

Experienced portfolio managers looking after your money, easy 24/7 access and your personal investment adviser just a phone call away.

Your tomorrow, handcrafted today

Meet your investment goals with fully managed portfolios designed around you.

With investing, your capital is at risk.

Together we can achieve more

We like to get to know you. When we know what you’re striving for, we can help you get there – with proven action plans, top-performing investments and an expert by your side when it matters.

With investing, your capital is at risk.
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Personal wealth management

Digital investment advice that’s always switched on, with a personal adviser to guide you on your investment journey.

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Winning investment strategy

Professional management and diversified portfolios maximise returns at a low cost and the right level of risk for you.

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Quick and convenient access

Peace of mind you can withdraw or transfer out when you need to - it’s quick, easy and penalty-free.

Invest with confidence

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Winning portfolios

Get a portfolio matched to your goals and we’ll keep it balanced so you stay on track.

Our portfolios
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Fine-tuned strategy

Make the right investment decisions with human expertise and leading technology.

Our strategy
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One single fee

Pay a single account management fee across all your products. Invest more, pay less.

See pricing

A better investment experience

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Personal advice

Make the right investment decisions with a qualified adviser by your side.

Getting advice
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One single fee

Pay a single account management fee across all your products. Invest more, pay less.

See pricing
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Winning portfolios

Get a portfolio matched to your goals and we’ll keep it balanced so you stay on track.

Our portfolios

Invest in the right way from day one

Services that fit your lifestyle and are designed to help you stay tax-efficient, so you get the most from your money.

Get tax-free returns[1] and flexible access to your money when you need it. Withdraw and reinvest in the same year without affecting your annual ISA allowance.
Find out more

Invest for retirement and pay less tax todayReceive a 25% boost to savings[2], consolidate your existing pensions, and grow your pot with employer contributions.
Find out more

Make unlimited contributions, enjoy quick access to your money, and even open a separate account for each goal. Perfect for when you’ve filled your ISA allowance.
Find out more

Enjoy free, flexible and tax-efficient access to your pension savings in retirement. Withdraw as much as you need, when you need it, leaving the rest invested to grow.
Find out more

[1] The 2019-20 ISA allowance is £20,000 [2] You may be entitled to more or less than this amount, subject to your tax status.

Choose the right product for you

To get the most from your portfolios, we recommend investing a minimum of £5,000 or alternatively £1,500 plus a monthly Direct Debit of £100 or more.

Stocks and Shares ISA

The tax-efficient way to invest up to £20,000 each year. Access your money if you need to or withdraw and reinvest in the same year without affecting your annual ISA allowance.

About ISAs

Private Pension

A smart plan for your retirement. Pay less tax, get a 25% boost* to your savings and receive your employer’s contributions. And you’re in control – access your cash if you need to.

Try pension calculator

General Investment Account

Perfect for when you’ve filled up your ISA. Make unlimited contributions, get quick access to your money and even create a separate account for each goal.

About GIAs

* You may be entitled to more or less than this amount, subject to your tax status.

Safe and sound

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Secured

We keep your money separate from ours, with Barclays and Saxo Capital Markets. A Sectigo-certified connection protects your data.

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Regulated

We’re regulated by the Financial Conduct Authority (FCA).

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Protected

You’re covered up to £85,000 by the UK Financial Services Compensation Scheme (FSCS).

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Trusted

Our committed stakeholders include Poste Italiane, Allianz Global Investors, Cabot Square Capital and United Ventures.

Strong performance, solid 4-year track record

All our portfolios outperformed the competition 4 years running.

Compare performance
Our portfoliosMoneyfarmCompetitors
P1 - Low Risk8.4%4.1%
P216.4%14.3%
P328.6%22.4%
P4 - Medium Risk31.6%22.4%
P536.5%31.8%
P640.7%31.8%
P7 - High Risk55.2%38.9%

Keys to the figures

Moneyfarm returns net of fees since inception (01/01/2016 to 31/12/2019) vs. average peer group performance over the same time period.
These past performance figures are simulated. Past performance is no indicator of future performance.

Click here to read the full risk warning

Important information

Moneyfarm data
The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to the 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite)

Peer Comparison Data
Asset Risk Consultants ARC collects the monthly returns of a collection of discretionary investment managers including large Asset managers, private banks and Wealth Managers to create an index of the average returns for a given level of risk.

ARC benchmarks are as follows:

Private Client IndexRelative Risk to World Equities
ARC Cautious PCI0 - 40%
ARC Balanced Asset PCI40 - 60%
ARC Steady Growth PCI60 - 80%
ARC Equity Risk PCI80 - 110%

Where the relative risk to World Equities means you are taking approximately that percentage of the risk global stock markets.

Moneyfarm’s Risk level 2 is compared to the ARC Cautious Private Client Index (PCI), our risk levels 3 and 4 use the ARC Balanced Asset Private Client Index (PCI), levels 5 and 6 are both compared to ARC Steady Growth Private Client Index (PCI) and our risk level 7 is matched to ARC Equity Risk Private Client Index PCI

ARC compiles indexes using the average competitor returns, including Barclays Wealth, HSBC, Investec Wealth and Investment and Blackrock, as well as many others.

P7 Portfolio
Please note that ARC does not independently verify the performance of the Model submitted by Moneyfarm. The returns shown refer to simulated past performance of our model portfolios from 01/01/2016 to 31/12/2019, this portfolio only became available to clients on 16/05/2019. Past performance is not an indicator of future results.

P1 Portfolio
ARC does not produce an index that is a suitable comparison for P1, as it does not contain any equity. We use monthly GBP Libor + 0.5%, as this is a cash proxy, which Moneyfarm believes is a fair comparison.

Safe and sound

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Secured

We keep your money separate from ours, with Barclays and Saxo Capital Markets. A Sectigo-certified connection protects your data.

icon

Regulated

We’re regulated by the Financial Conduct Authority (FCA).

icon

Protected

You’re covered up to £85,000 by the UK Financial Services Compensation Scheme (FSCS).

icon

Trusted

Our committed stakeholders include Poste Italiane, Allianz Global Investors, Cabot Square Capital and United Ventures.

We’re here for you

24/7 digital investment advice

You’ll always have the right mix of assets, the appropriate level of risk and an investment portfolio that grows and evolves with you.

Your personal investment adviser

For bigger questions, or the times you’d just like to speak to someone - call, email, start an online chat session or even catch up in person.

0800 433 4574hello@moneyfarm.com

No hidden costs, no nasty surprises

Our yearly account management fees (incl. VAT) are billed monthly and are calculated daily based on your portfolio value.

Free withdrawals and transfers

No extra trading or dealing cost

Advice included in fee

ON THE FIRST
£10,000
0.75%
per year (incl. VAT)
ON ANYTHING BETWEEN
£10,000 - £50,000
0.60%
per year (incl. VAT)
ON ANYTHING BETWEEN
£50,000 - £100,000
0.50%
per year (incl. VAT)
ON ANYTHING OVER
£100,000
0.35%
per year (incl. VAT)

+ average investment fund fees per year 0.20%

+ effect of market spread? per year up to 0.09%

Minimum investment: £5,000 or £1,500 + regular direct debit

Easy to get started

1. Build your investor profile

To get to know you and your goals, we’ll ask you how you feel about risk and what you want to achieve.

2. Discover your ideal portfolio

We’ll recommended a globally diversified portfolio that best fits your needs and goals.

3. Start investing

Transfer your existing ISA or pension or fund your portfolio directly by Direct Debit or bank transfer.

Get started

Download the app

Download the Moneyfarm app to stay on top of your investments. Check your performance, fund your account, set up transfers and more.

Safe and sound

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Secured

We keep your money separate from ours, with Barclays and Saxo Capital Market. A Sectigo-certified connection protects your data.

icon

Regulated

We’re regulated by the Financial Conduct Authority (FCA).

icon

Protected

You’re covered up to £85,000 by the UK Financial Services Compensation Scheme protects (FSCS).

icon

Trusted

Our committed stakeholders include Poste Italiane, Allianz Asset Management, Cabot Square Capital and United Ventures.

Read what our customers think

Start investing with Moneyfarm

Cost-efficient investment advice at the touch of a button, full visibility of your investments, and an investment adviser at the end of the phone.

Start today