Aim for more than a cash account
Contribute up to £20,000 each tax year or transfer your ISAs into one account and enjoy better returns, 100% tax-free.
You can withdraw and reinvest money in the same tax year. So if you invested £20,000 and withdrew £20,000 within the same tax year, you can reinvest it back into your ISA.
An expert by your side
Work towards your goals with a personal investment consultant. Chat, phone, email or meet in person – we’re here to help you get the most from your ISA and overall investment plan.
Managed for you
From building your perfect ISA to monitoring, adjusting and rebalancing it – our expert team are constantly working to make sure you get the best returns.
Stocks and Shares ISA returns
Putting your money to work in a Stocks and Shares ISA makes it grow – just like everything else in the world. Your money has real potential to achieve much better returns than cash savings, and these are still free from capital gains and income tax.
With today’s interest rates, £1000 in a Stocks and Shares ISA works a lot harder than money in a Cash ISA (or savings account). Keeping your money in a Cash ISA is really just like leaving money in a savings account except the return (or ‘interest’) you make is tax-free.
If you want to keep some of your tax-free allowance as cash you can. Open both a Cash ISA and a Stocks and Shares ISA in the same tax year and just remember to stay within your overall yearly allowance of £20,000.
How does a Stocks and Shares ISA work?
Each year, UK residents enjoy a £20,000 tax-free allowance to make sure they get the most back from their hardworking investments. A Stocks and Shares ISA is one of most efficient ways grow your wealth.
To open a Moneyfarm ISA you’re first matched with one of seven good-to-go portfolios, based on what you tell us about your investment profile and financial goals.
if you’d like to use your ISA to save towards different goals then just add more portfolios. Each portfolio you add lives inside your ISA and each one can be named so you know what money’s for what, eg ‘new home’ or ‘round-the-world trip’.
A Stocks and Shares ISA that’s really worth it
All our portfolios beat the average returns among other investment providers in the last four years, since we’ve been available in the UK.
Check our award-winning performance in Boring Money’s January 2021 independent study
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.
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.
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.
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.
One fee for all your goals
Focus on your goals and forget about costs. Our yearly account management fees (incl. VAT) are billed monthly and are calculated daily based on your portfolio value.
£10,000 – £50,000
£50,000 – £100,000
Annual average investment fund fee: 0.2%
Annual effect of market spread : up to 0.09%
Annual average investment fund fee : 0.2%
Annual effect of market spread : up to 0.09%
Invest from £500.Learn more about our fees
Open a Stocks and Shares ISA 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
Transfer your existing ISA or add funds in a snap with open banking. You can also fund your portfolio by bank transfer and Direct Debit.
Thinking about a customised investment plan?
Take control of what’s ahead by adding a Private Pension or General Investment Account 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).
Invest for retirement, get a 25% boost* to your savings and receive up to 45% tax relief on your contributions. And you’re in control – use our free income drawdown service if you need to.Learn about pensions
General Investment Account
Keep moving towards your goals, after using up your ISA allowance. Make unlimited contributions, get quick access to your money and even open different portfolios for differerent goals.Learn about GIAs
* You may be entitled to more or less than this amount, subject to your tax status.
Frequently asked questions about ISAs
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