Fixed allocation.
Moneyfarm’s fixed allocation approach offers a simple yet effective management style and a globally diversified portfolio that matches your financial goals, with all-inclusive competitive costs.
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Fixed allocation.
Moneyfarm’s fixed allocation approach offers a simple yet effective management style and a globally diversified portfolio that matches your financial goals, with all-inclusive competitive costs.
Get startedA simple, cost-effective approach to investing.
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With only one portfolio rebalance per year from our expert investment team, we’re able to offer a managed style at a very competitive price.
Our experienced Asset Allocation team expertly builds fixed allocation portfolios for you.
With only one portfolio rebalance per year from our expert investment team, we’re able to offer a managed style at a very competitive price.
With a passive, hands-off approach your investments are free to move in line with the markets.
You have the option to invest in a socially responsible portfolio that prioritises environmental, social and corporate governance (ESG) factors.
Your money is available and accessible. You’re able to withdraw and reinvest when you’d like to, with no penalties.
Fixed allocation or active management?
When deciding between fixed allocation and active management for your investments, the key thing to consider is how hands-on you want the management to be. Both of our investment strategies have the same cost-efficient ETFs that provide a simple, cost-effective way to achieve global diversification. However, our actively managed portfolios involve our Asset Allocation team reviewing your investments several times a year, while fixed allocation is rebalanced once a year,
With either option, you still benefit from the continuous support of our investment consultants and our user-friendly app. Fixed allocation is an ideal strategy if you prefer a hands-off, consistent investment approach with fewer interventions and lower fees.
| Feature | Active Management | Fixed Allocation |
|---|---|---|
| Socially responsible portfolios | Yes | Yes |
| Easy-to-use app | Yes | Yes |
| Dedicated consultant | Yes | Yes |
| Ongoing expert risk management | Yes | Yes |
| Strategic portfolio rebalancing on market opportunities | From 0.35% | From 0.25% |
| Risk levels | 7 | 5 |
Pricing.
Pricing.
If you invest £15,000 in a globally diversified portfolio, you’ll pay:
If you invest £15,000 in a globally diversified portfolio, you’ll pay:
| Fee | Annual % | Annual £ |
|---|---|---|
| Moneyfarm fee | 0.45% | £67.50 |
| Underlying fund fee | 0.15% | £22.50 |
| Market spread* | up to 0.02% | £3.00 |
| Total | 0.62% | £93.00 |
| Fee | Annual % | Annual £ |
|---|---|---|
| Moneyfarm fee | 0.45% | £67.50 |
| Underlying fund fee | 0.15% | £22.50 |
| Market spread* | up to 0.02% | £3.00 |
| Total | 0.62% | £93.00 |
*The market spread effect also impacts your investments. This is a characteristic of trading on the financial markets and represents the difference between bid and ask (buying and selling) prices for an investment at a specific time. This can be 0.10% at Moneyfarm (assuming the average between our Classic and ESG allocations, we sell 40% of the assets in your portfolio and replace them with new assets during the year), but you'll always see the real price you buy and sell assets at.
Getting started is easy.
Answer a few simple questions
Discover your perfect portfolio
Invest according to your goals
Answer a few simple questions
Discover your perfect portfolio
Invest according to your goals