Grab our Money Saving Expert offer

Moneyfarm has teamed up with MoneySavingExpert.com as we believe you should be able to make the most of your money. We have partnered with them to bring you an exclusive offer on your investments. Create either a fully managed ISA or general investment account using the promotional code ‘ MSE20K ‘ and you will get your first £20,000 managed free of charge for the first year.

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With investment, your capital is at risk.

Personal wealth management

Digital investment advice that’s always switched on, with a personal adviser to guide you on your investment journey.

Winning investment strategy

Active management and diversified portfolios maximise returns at a low cost and the right level of risk for you.

Quick and convenient access

Peace of mind you can withdraw or transfer out when you need to - it’s quick, easy and penalty-free.

Invest in the right way from day one

Services that fit your lifestyle and are designed to help you stay tax-efficient, so you get the most from your money.

Stocks & Shares ISA

Get tax-free returns[1] and flexible access to your money when you need it. Withdraw and reinvest in the same year without affecting your annual ISA allowance.
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Private Pension

Invest for retirement and pay less tax today. Receive a 25% boost to savings[2], consolidate your existing pensions, and grow your pot with employer contributions.
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General Investment Account

Make unlimited contributions, enjoy quick access to your money, and even open a separate account for each goal. Perfect for when you’ve filled your ISA allowance.
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Pension Drawdown

Enjoy free, flexible and tax-efficient access to your pension savings in retirement. Withdraw as much as you need, when you need it, leaving the rest invested to grow.
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[1] The 2019-20 ISA allowance is £20,000 [2] You may be entitled to more or less than this amount, subject to your tax status.

How we compare

Our four year track record

A globally diversified portfolio built for people like you. We aim for high returns, keeping costs to a minimum at a risk level that fits your attitude and timescale.

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Our PortfoliosMoneyfarmCompetitors
P1 - Low Risk8.4%4.1%
P216.4%14.3%
P328.6%22.4%
P4 - Medium Risk31.6%22.4%
P536.5%31.8%
P640.7%31.8%
P7 - High risk55.2%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.

Important information

Moneyfarm 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 IndexRelative Risk to World Equities
ARC Cautious PCI0 - 40%
ARC Balanced Asset PCI40 - 60%
ARC Steady Growth PCI60 - 80%
ARC Equity Risk PCI80 - 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.

Read what our customers think

No hidden costs, no nasty surprises

You’ll pay a single account management fee across all your Moneyfarm products - the more you invest, the lower your effective fee rate.

Free withdrawals and transfers

No extra trading or dealing cost

Advice included in fee

On the first
£10,000
0.75%

per year

On anything between
£10,000 - £50,000
0.60%

per year

On anything between
£50,000 - £100,000
0.50%

per year

On anything over
£100,000
0.35%

per year

+ average investment fund fees per year 0.20%
+ effect of market spread? per year up to 0.09%

Minimum investment: £5,000 or £1,500 + regular direct debit

Take control of your future in under 10 minutes

Get started in minutes – tell us a bit about yourself and pick your product.
We’ll build your investor risk profile and match it to an investment portfolio to achieve your investment goals.

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.

2. Discover your ideal portfolio

We’ll recommend a globally diversified portfolio that best fits your investor profile and goals. You can chat with an adviser before you agree to anything.

3. Start investing

Transfer an existing pension or ISA, or fund your account directly via bank transfer or Direct Debit. Now you’re ready to go.

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Hassle-free investing at your fingertips

Download the Moneyfarm app to stay on top of your investments. Check your performance, fund your account, set up transfers and more.

We keep you, your money and your data safe

Secured

Segregated accounts with Barclays and Saxo Capital Markets separate your money from our own. A Sectigo-certified connection protects your data.

Regulated

FCA-authorised and covered by the UK Financial Services Compensation Scheme (FSCS), meaning your investments are covered up to £85,000.

Established

Committed and high profile shareholders - Poste Italiane, Allianz Asset Management, Cabot Square Capital and United Ventures.

We’re here for you

24/7 digital investment advice

You’ll always have the right mix of assets, the appropriate level of risk and an investment portfolio that grows and evolves with you.

Your personal investment adviser

For bigger questions, or the times you’d just like to speak to someone - call, email, start an online chat session or even catch up in person.

0800 433 4574

hello@moneyfarm.com

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

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