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.

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With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.

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.

Interested in even lower fees? Our General Investment Accounts are available with fixed allocation portfolios.

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.

See how much your wealth can grow

Explore different investment plans and see your expected future growth.

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The highlighted area in the chart shows a projection of the future value of the portfolio considering 95% of the possible scenarios. Projections are not a reliable indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. As with all investments, the value may go down as well as up, and you may not get back the full amount you invested.

One low, simple fee.

As your money grows we’ll lower the percentage of your fees. 

Actively managed

Below 100k

Above 100k

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.

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Capital at risk.

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).

The right product for you

Whether you’re starting out, well on your way or already advanced, we have a focused range of products to meet your needs.

Stocks & Shares ISA

The perfect choice to start your investment journey, with £20,000 tax free allowance each year and penalty-free access.

Learn more about ISAs

Private Pension (SIPP)

Ready to plan further ahead? Our pension gives you a tax free retirement investment, with relief on your contributions too.

Learn more about pensions
Junior ISA

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.

Learn more about JISAs

Stocks & Shares ISA

The perfect choice to start your investment journey, with £20,000 tax free allowance each year and penalty-free access. Learn more

Private Pension (SIPP)

Ready to plan further ahead? Our pension gives you a tax free retirement investment, with relief on your contributions too. Learn more

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options. Learn more

With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.