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

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Diversification

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

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Management costs

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

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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 4%
Cash & Short Term Government Bonds 48%
Developed Markets Government Bonds 17%
Inflation Linked-Bonds 6%
Investment Grade Credit 6%
High Yield Credit & Emerging Markets Government Bonds 19%
Developed Markets Equities -
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 66%
Eurozone 9%
United States 18%
Japan 5%
Emerging Countries 0%
Other Developed Countries* 1%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 1 - more than £50.000.

Assets
Cash 4%
Cash & Short Term Government Bonds 48%
Developed Markets Government Bonds 17%
Inflation Linked-Bonds 6%
Investment Grade Credit 6%
High Yield Credit & Emerging Markets Government Bonds 19%
Developed Markets Equities -
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 66%
Eurozone 9%
United States 18%
Japan 5%
Emerging Countries 0%
Other Developed Countries* 1%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 2 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 38%
Developed Markets Government Bonds 15%
Inflation Linked-Bonds 7%
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 20%
Developed Markets Equities 17%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 50%
Eurozone 10%
United States 23%
Japan 6%
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 38%
Developed Markets Government Bonds 15%
Inflation Linked-Bonds 7%
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 20%
Developed Markets Equities 17%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 51%
Eurozone 10%
United States 22%
Japan 6%
Emerging Countries 8%
Other Developed Countries* 4%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 3 - less than £50.000.

Assets
Cash 3%
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 21%
Developed Markets Equities 29%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 39%
Eurozone 11%
United States 31%
Japan 5%
Emerging Countries 9%
Other Developed Countries* 4%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 3 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 25%
Developed Markets Government Bonds 9%
Inflation Linked-Bonds 9%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 21%
Developed Markets Equities 29%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 39%
Eurozone 14%
United States 26%
Japan 4%
Emerging Countries 10%
Other Developed Countries* 7%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 14%
Developed Markets Government Bonds -
Inflation Linked-Bonds 7%
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 26%
Developed Markets Equities 50%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 23%
Eurozone 11%
United States 37%
Japan 4%
Emerging Countries 16%
Other Developed Countries* 9%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 13%
Developed Markets Government Bonds 1%
Inflation Linked-Bonds 7%
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 26%
Developed Markets Equities 42%
Emerging Markets Equities 6%
Commodities & Real Estates 2%
Geography
United Kingdom 28%
Eurozone 19%
United States 24%
Japan 5%
Emerging Countries 19%
Other Developed Countries* 3%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 5 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 5%
Developed Markets Government Bonds 5%
Inflation Linked-Bonds -
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 26%
Developed Markets Equities 60%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 13%
Eurozone 13%
United States 42%
Japan 6%
Emerging Countries 16%
Other Developed Countries* 10%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 5 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 4%
Developed Markets Government Bonds 6%
Inflation Linked-Bonds -
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 25%
Developed Markets Equities 48%
Emerging Markets Equities 11%
Commodities & Real Estates 2%
Geography
United Kingdom 17%
Eurozone 19%
United States 27%
Japan 7%
Emerging Countries 24%
Other Developed Countries* 3%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 6 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds -
Developed Markets Government Bonds 3%
Inflation Linked-Bonds -
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 18%
Developed Markets Equities 75%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 9%
Eurozone 12%
United States 47%
Japan 7%
Emerging Countries 15%
Other Developed Countries* 10%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 6 - more than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds -
Developed Markets Government Bonds 4%
Inflation Linked-Bonds -
Investment Grade Credit -
High Yield Credit & Emerging Markets Government Bonds 19%
Developed Markets Equities 60%
Emerging Markets Equities 12%
Commodities & Real Estates 2%
Geography
United Kingdom 16%
Eurozone 21%
United States 25%
Japan 8%
Emerging Countries 24%
Other Developed Countries* 4%
Commodities 2%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

As of May 2017

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.