How it works

It starts with your goals and how you best want to reach them. Choose between fixed allocation and active management, you can then be matched with the best portfolio for you – so you’ll always be investing to reach your goals.

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With investing, your capital is at risk

1. Create your investor profile

Investing the right way means understanding what’s right for you. Our smart technology lets you do this in a snap. Just answer a few easy questions about yourself, your goals, and your attitude to investing to instantly see your investor profile.

If your goals or anything else changes your profile can quickly be adjusted online, in-app, or by speaking to your dedicated investment consultant, so you’ll always be investing the right way.

2. Get matched with your perfect portfolio

Choose whether you want active management of your investments, or a more passive approach with fixed allocation, and then choose a product (e.g. an ISA). Your investor profile is matched to a globally diversified, good-to-go portfolio. Each portfolio contains a broad mix of handpicked, cost-efficient ETFs, each chosen to meet our high standards of quality and reliability.

You’ll see a recommended portfolio matched to you, along with several options, so you can decide if you want a little more or a little less exposure to volatility – and optimise your potential for growth. Now, you're ready to invest and your portfolio is ready to perform.

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3. Expert at your side

Once you fund your portfolio, your money is put to work. Whichever management style you choose, our smart tech manages the whole investment process on your behalf. Under the day-to-day direction of your Chief Investment Officer, Richard Flax, Moneyfarm’s investment committee makes strategic adjustments to your portfolio.

Fixed allocation portfolios benefit from one rebalance per year, while If you enjoy active management you, benefit from regular rebalancing of your portfolio, allowing you to capitalise on market opportunities while staying in your comfort zone.

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4. A dedicated consultant on hand

We know you want to reach your investment goals and enjoy getting there at the same time. To make sure you do, you have a Moneyfarm investment consultant ready to chat whenever you are, because while you can do everything you’ll need online or in our smart app, sometimes it’s just better to speak to someone.

Reach out by phone, in-app or web chat. Get support on your investment journey and ask questions, whether it’s about your portfolio, the wider market, or building out your investment plan.