Stocks & Shares ISA
Globally diversified, actively managed portfolios to meet your goals – our ISA is an easy access, tax-efficient way to fit your changing lifestyle.
Tax-free returns on your investments
Contribute up to £20,000 each year and transfer existing ISAs to enjoy tax-free growth.
Quick and flexible access to your money
Withdraw your money when you need it, replace it the same year and still keep your ISA allowance.
What your Moneyfarm Stocks & Shares ISA can do
Diversification based on research
We combine different asset types, regions and currencies, using quantitative analysis and market insight to target high returns while staying true to your risk level.
Actively managed by expert investors
Our portfolio management team will monitor, adjust and rebalance your portfolio, so it’s the right fit for you and makes the most of opportunities as they arise.
Designed around you to stay on top
We’ll do the heavy lifting, but you’ll always have the full picture. Check progress, fund your account and make transfers or withdrawals and more online or using the app.
Straightforward and low fees
We have a single account management fee across your whole Moneyfarm account. Transfer in or out without penalties and lower your costs by bringing your ISAs together.
Serious performance, tailored for you
Enjoy high performance while keeping costs to a minimum with a globally diversified portfolio that fits your investor profile, goals and approach to risk.
|Our four year track record|
|P1 – Low Risk||8.4%||4.1%|
|P4 – Medium Risk||31.6%||22.4%|
|P7 – High risk||55.2%||38.9%|
Key to the figures
Moneyfarm returns net of fees since inception (01/01/2016 to 31/12/2019) vs. average peer group performance over the same time period.
These past performance figures are simulated. Past performance is no indicator of future performance. Click here to read the full risk warning
Important informationMoneyfarm 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 Index||Relative Risk to World Equities|
|ARC Cautious PCI||0 – 40%|
|ARC Balanced Asset PCI||40 – 60%|
|ARC Steady Growth PCI||60 – 80%|
|ARC Equity Risk PCI||80 – 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.
We keep things clear and simple
You’ll always know exactly how much you’re paying and what it’s for
Free transfers and withdrawals
No charges for trading
Free ongoing digital advice
£10,000 - £50,000
£50,000 - £100,000
Advice that doesn’t sleep
Get live guidance whenever you need it, backed by 24/7 digital investment advice to keep your investments on track.
Digital investment advice
- Sets up your plan and portfolio – Your ideal portfolio and investment plan, matched to you and your goals.
- Keeps you on track – Ongoing suitability keeps your portfolio tuned to your risk level, time horizon and goals.
- Aligned to your needs – Your recommendations adapt with you, responding to any changes.
Personal investment adviser
- Live guidance at any stage – Chat, phone, email, or meet in person to discuss your goals, portfolio and any questions.
- Detailed planning – Our experts can help you to further develop and fine-tune your personal plan and portfolio risk level.
- Long-term support – We’ll help you to review all your external investments and explore your options.
Start your Stocks & Shares ISA investment in minutes
1. Build your investor profile
Why you’re investing, what you want to achieve and how you feel about risk. That’s your investor profile and it informs your investment plan.
2. Discover your ideal portfolio
We’ll deliver your investment plan and recommend a globally diversified portfolio that’s suited to you. You can chat with an adviser before you agree to anything.
3. Start investing
Transfer an existing ISA in, or fund your account directly using electronic transfer or Direct Debit. Now you’re ready to go.
How to transfer your ISA to Moneyfarm
Combining your ISAs could make your investments easier to manage and help you save on fees.
Transferring your ISA is easy and you’ll have one clear view of your savings that you can check at any time. Just give us a few details, including your ISA provider name, account number and estimated value, online or via the app and we’ll manage the transfer process for you. It’s free and we’ll make sure you don’t lose your allowance or tax benefits.
While we don’t charge you anything to transfer, you’ll need to check with your provider about any charges at their end. It can take around 15-30 days, although this depends on your provider.
We keep you, your ISA and your data safe
Our Sectigo-certified encrypted connection protects your personal data and keeps your account details safe.
We keep your money and investments separate from our own, held in accounts with Barclays and Saxo Capital Markets.
We’re FCA-authorised and covered by the UK Financial Services Compensation Scheme (FSCS), providing an additional layer of protection for your investments of up to £85,000.
Stocks & shares ISA FAQs
It’s important you understand all the options available to you to make the right decisions with your ISA investments.
Here you can find some answers to the most frequently asked questions, our you can read more on our ISA FAQ section.Read our ISA FAQs
What is a stocks & shares ISA?
How much is the ISA allowance?
This tax year you can put up to £20,000 in your ISA.
Tax year 2019/20 – £20,000
Tax year 2018/19 – £20,000
Tax year 2017/18 – £20,000
Tax year 2016/17 – £15,240
Tax year 2015/16 – £15,000.
You can pay your whole allowance of £20,000 into a stocks and shares ISA, a cash ISA, or a combination of the two. Even if you have a cash ISA elsewhere, you can still open a Stocks and Shares ISA with Moneyfarm. You can choose between making a lump sum investment, and/or making regular contributions throughout the tax year. The ISA is flexible to suit you. Your annual ISA allowance expires at the end of the tax year and any unused allowance will be lost. It’s a case of ‘use it or lose it’, as your allowance can’t be rolled into the next year. With Moneyfarm, you can invest more than the ISA allowance, but any investments outside the wrapper threshold won’t be sheltered from tax.