Portfolios built and managed for you

We take pride in the portfolios our asset allocation team have built and in the performance they’ve achieved.

Investment portfolios for every profile

Different people have different attitudes to risk, different levels of financial understanding, and different goals. That’s something we put at the heart of our investment strategy at Moneyfarm.

We have 12 investment portfolios at Moneyfarm. These are split 1-6 in terms of approach to risk, and then by investment amount. If you have a portfolio smaller than £50,000 your Moneyfarm portfolio will be made up of seven exchange traded funds (ETFs), and if your portfolio is over £50,000 it will contain 14 ETFs.

Our investment portfolios’ asset allocation

Select a portfolio to see the asset allocation

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 72%
Eurozone 8%
United States 16%
Japan 3%
Emerging Countries -
Other Developed Countries* 1%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 1 - more than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 56%
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 72%
Eurozone 8%
United States 16%
Japan 3%
Emerging Countries -
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 42%
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 -
Commodities & Real Estates -
Geography
United Kingdom 54%
Eurozone 9%
United States 23%
Japan 4%
Emerging Countries 7%
Other Developed Countries* 3%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 2 - more than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 43%
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 -
Commodities & Real Estates -
Geography
United Kingdom 54%
Eurozone 9%
United States 23%
Japan 4%
Emerging Countries 7%
Other Developed Countries* 3%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 3 - less than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 29%
Developed Markets Government Bonds 9%
Inflation Linked-Bonds 8%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 15%
Developed Markets Equities 32%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 48%
Eurozone 9%
United States 24%
Japan 5%
Emerging Countries 10%
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 30%
Developed Markets Government Bonds 9%
Inflation Linked-Bonds 8%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 15%
Developed Markets Equities 30%
Emerging Markets Equities -
Commodities & Real Estates -
Geography
United Kingdom 48%
Eurozone 9%
United States 24%
Japan 5%
Emerging Countries 10%
Other Developed Countries* 4%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - less than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 23%
Developed Markets Government Bonds -
Inflation Linked-Bonds 7%
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 45%
Emerging Markets Equities 4%
Commodities & Real Estates -
Geography
United Kingdom 36%
Eurozone 9%
United States 32%
Japan 4%
Emerging Countries 13%
Other Developed Countries* 6%
Commodities -
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 4 - more than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 18%
Developed Markets Government Bonds -
Inflation Linked-Bonds 8%
Investment Grade Credit 6%
High Yield Credit & Emerging Markets Government Bonds 14%
Developed Markets Equities 44%
Emerging Markets Equities 5%
Commodities & Real Estates 3%
Geography
United Kingdom 39%
Eurozone 12%
United States 28%
Japan 5%
Emerging Countries 12%
Other Developed Countries* 1%
Commodities 3%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 5 - less than £50.000.

Assets
Cash 3%
Cash & Short Term Government Bonds 13%
Developed Markets Government Bonds 5%
Inflation Linked-Bonds -
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 12%
Developed Markets Equities 58%
Emerging Markets Equities 4%
Commodities & Real Estates -
Geography
United Kingdom 24%
Eurozone 11%
United States 38%
Japan 6%
Emerging Countries 13%
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 7%
Developed Markets Government Bonds 6%
Inflation Linked-Bonds -
Investment Grade Credit 8%
High Yield Credit & Emerging Markets Government Bonds 12%
Developed Markets Equities 55%
Emerging Markets Equities 6%
Commodities & Real Estates 3%
Geography
United Kingdom 28%
Eurozone 13%
United States 35%
Japan 7%
Emerging Countries 13%
Other Developed Countries* 1%
Commodities 3%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

Portfolio 6 - less than £50.000.

Assets
Cash 2%
Cash & Short Term Government Bonds 9%
Developed Markets Government Bonds 3%
Inflation Linked-Bonds -
Investment Grade Credit 5%
High Yield Credit & Emerging Markets Government Bonds 7%
Developed Markets Equities 70%
Emerging Markets Equities 4%
Commodities & Real Estates -
Geography
United Kingdom 19%
Eurozone 10%
United States 40%
Japan 7%
Emerging Countries 15%
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 5%
Developed Markets Government Bonds 3%
Inflation Linked-Bonds -
Investment Grade Credit 7%
High Yield Credit & Emerging Markets Government Bonds 8%
Developed Markets Equities 64%
Emerging Markets Equities 7%
Commodities & Real Estates 3%
Geography
United Kingdom 26%
Eurozone 11%
United States 35%
Japan 8%
Emerging Countries 15%
Other Developed Countries* 2%
Commodities 3%
*Australia, Canada, New Zealand, Norway, Sweden and Switzerland

As of October 2018

How you’re matched with a portfolio

When you sign up with Moneyfarm you’ll answer a series of questions. These range from your wealth, to your financial understanding, to your attitude to risk. Based on this you’ll receive an investor profile.

Each of our portfolios is risk-adjusted for a certain Investor Profile, or risk attitude. The portfolio you receive is based on your investor profile, and also on the time horizon of your investment. If you tell us you only want to invest for a year we’ll ensure you have a portfolio that prioritises capital protection over growth. Whilst if your time horizon is longer you’ll have a portfolio more closely correlated to your Investor Profile.

Read more about our investment advice

Our investment portfolios’ past performance

Select a portfolio to see how the model has performed since inception.

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

How we drive performance

At Moneyfarm we use an asset allocation strategy to drive performance. That means your portfolio will always contain a mix of investments to help smooth out investment returns. This is based on Nobel prize winning economic theory known as model portfolio theory.

The asset allocation of your portfolio will always attempt to balance risk and reward by adjusting the proportion for each asset in a portfolio. On top of the strategic asset allocation, we proactively manage our portfolios, making regular strategic adjustments and rebalancing them whenever necessary.

Read more about our investment strategy

Our wealth management services

Pension

Investment advice to rely on. Fully-managed portfolios, simple transfers and more. Supplement a workplace scheme or bring old pensions together. Planning for your future is simple with the Moneyfarm Pension.

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Stocks & Shares ISA

A tax-efficient way to invest in a fully-managed portfolio, Moneyfarm can take you closer to your goals. The Moneyfarm ISA is flexible, transparent and low-cost. Transferring old ISAs to Moneyfarm is easy and free.

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General Investment

Let Moneyfarm’s investment advice match you with a fully-managed portfolio to help your money grow. The General Investment Account takes you closer to your goals. You’ll love our low fees and customer service.

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