A General Investment Account with unlimited potential

Invest as much as you like, open different portfolios for different goals and access your money if and when you need it.

Open a GIA

With investing, your capital is at risk.

Retire successfully

Unlimited investing

Make unlimited contributions – perfect for when you use up your annual ISA allowance.

Flexible, fee-free access

Invest and withdraw any time without additional fees.

Personal advice and planning

Design a clear plan around your goals, with help from an expert – chat, phone, email or meet in person. How we can help

Achieve different goals with multiple portfolios

Open a separate portfolio for each of your goals, even with different risk levels.

Hands-on, active management

Leave the market watching to our experts who build, manage and rebalance your portfolio for you.

Save more, pay less

Low fees means you’ll keep more of your returns compared to other types of investments.

Compare portfolio performance

All our portfolios beat the average performance of the competition 4 years in a row.

Our 4 year track record (net of fees)

View portfolio performance

Our 4 year track record (net of fees)

Key to the figures
Moneyfarm returns net of fees since inception (01/01/2016 to 30/06/2020) vs. average peer group performance or a cash proxy over the same time period. These past performance figures are simulated. Past performance is not a reliable indicator of future results. Asset Risk Consultants (ARC) collect the monthly returns of a collection of discretionary investment managers to create an index of the average returns for a given level of risk.

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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.

Simple fees for all your goals

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

On the first
£10,000
0.75%
On the next
£10,000 – £50,000
0.6%
On the next
£50,000 – £100,000
0.5%
On anything
over £100,000
0.35%

Annual average investment fund fee: 0.2%

Annual effect of market spread : up to 0.09%

Annual average investment fund fee : 0.2%

Annual effect of market spread : up to 0.09%

Invest from £500.

Learn more about our fees

Open a GIA in minutes

Discover 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.

Open your recommended portfolio

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

Invest when you’re ready

Add funds in a snap with open banking. You can also fund your portfolio by bank transfer and Direct Debit.

Thinking about a customised investment plan?

Take control of what’s ahead by adding a Stocks & Shares ISA or a Private Pension to the mix. Our experts are here to guide you. We’re regulated by the Financial Conduct Authority (FCA) and you’re always covered up to £85,000 by the UK Financial Services Compensation Scheme (FSCS).

Stocks & Shares ISA

Start your journey towards your medium-term goals with tax-free returns on up to £20,000 each year. Access your money any time or withdraw and reinvest in the same year while keeping your annual ISA allowance.

Learn about ISAs

Private Pension

Invest for retirement, get a 25% boost* to your savings and receive up to 45% tax relief on your contributions. And you’re in control – use our free income drawdown service if you need to.

Learn about pensions

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