Wealth management
for your future

The right assets. The right advice. The right tools. All at the right time. Our investment strategy is tailored to your profile and laser-focused on giving you a simpler, smarter investing experience.

Three ways we meet
your investment goals

Diversification

We select a range of asset classes, geographies, and currency exposures to minimise risk and maximise growth.

Management costs

Anything you pay on your investment eats into your returns, so we work to keep costs low and quality high.

Looking ahead

We stay on top of market fluctuations and plan for the future, rebalancing and monitoring your portfolio so you don’t have to.

Your capital is at risk. Investments can go down as well as up and you may get back less than you originally invested. Read more on understanding the risks

Our toolkit

Investment portfolios

We start with your profile and goals and build out an investment portfolio that will help you meet those objectives – whatever they are.

What makes a Moneyfarm portfolio different?


  • The level of risk and return: You will be represented by a mix of asset classes (equities, bonds, commodities, etc.) covering several geographical areas (UK, Europe, US, emerging markets, etc.), currencies (Pound, Dollar, etc.) and sectors (banking, healthcare, energy, etc.)
  • The number of tools: Your assets scale alongside your capital. If you invest up to £50,000 your portfolio will contain up to 7 funds, if you invest over £50,000 you’ll have up to 14 funds.

Exchange Traded Funds (ETFs)

We use low-cost, high quality and natively diversified ETFs to build our portfolios. These are funds that track the performance of an index or a pool of investments and are listed on the stock exchange. ETFs are an integral part of how we plan to meet your investing goals over the long term.

Why does Moneyfarm use ETFs?


  • ETFs offer full transparency of the assets that make up a fund, so we know exactly what you’re getting.
  • ETFs have low management fees and low minimum investment levels, making them an efficient way to invest.
  • ETFs trade daily, whenever the stock exchange is open, so we can make changes to your portfolio quickly and easily.


Portfolio 1 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 55%
Developed Markets Government Bonds 14%
Inflation Linked-Bonds 6%
Investment Grade Credit 9%
High Yield Credit & Emerging Markets Government Bonds 13%
Developed Markets Equities -
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 70%
Eurozone 8%
United States 17%
Japan 3%
Emerging Countries -
Other Developed Countries* 2%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 1 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 55%
Developed Markets Government Bonds 14%
Inflation Linked-Bonds 6%
Investment Grade Credit 9%
High Yield Credit & Emerging Markets Government Bonds 13%
Developed Markets Equities -
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 70%
Eurozone 8%
United States 17%
Japan 3%
Emerging Countries -
Other Developed Countries* 2%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 2 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 41%
Developed Markets Government Bonds 12%
Inflation Linked-Bonds 6%
Investment Grade Credit 4%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 18%
Emerging Markets Equities 2%
Commodities & Real Estates -
Geography
United Kingdom 52%
Eurozone 9%
United States 24%
Japan 4%
Emerging Countries 8%
Other Developed Countries* 3%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 2 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 40%
Developed Markets Government Bonds 12%
Inflation Linked-Bonds 7%
Investment Grade Credit 4%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 18%
Emerging Markets Equities 2%
Commodities & Real Estates -
Geography
United Kingdom 52%
Eurozone 9%
United States 24%
Japan 4%
Emerging Countries 8%
Other Developed Countries* 3%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 3 - less than £50.000.

Assets
Cash 4%
Cash & Short Term Government Bonds 24%
Developed Markets Government Bonds 9%
Inflation Linked-Bonds 8%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 15%
Developed Markets Equities 31%
Emerging Markets Equities 4%
Commodities & Real Estates -
Geography
United Kingdom 43%
Eurozone 10%
United States 26%
Japan 5%
Emerging Countries 11%
Other Developed Countries* 5%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 3 - more than £50.000.

Assets
Cash 4%
Cash & Short Term Government Bonds 25%
Developed Markets Government Bonds 9%
Inflation Linked-Bonds 8%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 16%
Developed Markets Equities 29%
Emerging Markets Equities 4%
Commodities & Real Estates -
Geography
United Kingdom 44%
Eurozone 10%
United States 25%
Japan 5%
Emerging Countries 11%
Other Developed Countries* 5%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 17%
Developed Markets Government Bonds -
Inflation Linked-Bonds 7%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 48%
Emerging Markets Equities 6%
Commodities & Real Estates -
Geography
United Kingdom 32%
Eurozone 9%
United States 34%
Japan 4%
Emerging Countries 14%
Other Developed Countries* 7%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 15%
Developed Markets Government Bonds -
Inflation Linked-Bonds 7%
Investment Grade Credit 6%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 47%
Emerging Markets Equities 6%
Commodities & Real Estates 2%
Geography
United Kingdom 38%
Eurozone 17%
United States 23%
Japan 6%
Emerging Countries 13%
Other Developed Countries* 1%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 5 - less than £50.000.

Assets
Cash 4%
Cash & Short Term Government Bonds 7%
Developed Markets Government Bonds 5%
Inflation Linked-Bonds -
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 12%
Developed Markets Equities 60%
Emerging Markets Equities 7%
Commodities & Real Estates -
Geography
United Kingdom 20%
Eurozone 11%
United States 39%
Japan 7%
Emerging Countries 15%
Other Developed Countries* 8%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 5 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 6%
Developed Markets Government Bonds 5%
Inflation Linked-Bonds -
Investment Grade Credit 7%
High Yield Credit & Emerging Markets Government Bonds 12%
Developed Markets Equities 57%
Emerging Markets Equities 8%
Commodities & Real Estates 2%
Geography
United Kingdom 27%
Eurozone 21%
United States 28%
Japan 7%
Emerging Countries 14%
Other Developed Countries* 1%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 6 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 3%
Developed Markets Government Bonds 3%
Inflation Linked-Bonds -
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 7%
Developed Markets Equities 71%
Emerging Markets Equities 8%
Commodities & Real Estates -
Geography
United Kingdom 16%
Eurozone 10%
United States 41%
Japan 7%
Emerging Countries 17%
Other Developed Countries* 9%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 6 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 2%
Developed Markets Government Bonds 3%
Inflation Linked-Bonds -
Investment Grade Credit 7%
High Yield Credit & Emerging Markets Government Bonds 8%
Developed Markets Equities 66%
Emerging Markets Equities 9%
Commodities & Real Estates 2%
Geography
United Kingdom 25%
Eurozone 18%
United States 26%
Japan 11%
Emerging Countries 16%
Other Developed Countries* 2%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

As of July 2018

Always-on Monitoring

All Moneyfarm portfolios are monitored round-the-clock by a team of experts that make up our Investment Committee.

We track the performance of our portfolios against the goals of our investor profiles to ensure they stay on track, rebalancing them whenever necessary.

Start investing with Moneyfarm

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

Start today