Actively managed portfolios, geared to your goals

Get a globally diversified multi-asset investment portfolio that’s geared around you and actively managed by experts to stay aligned to your goals.

Our goal is to see you meet yours

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

Our four year track record (net of fees)

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.

Making diversification work for you

We target the highest possible returns consistent with your risk level by combining different asset types, regions and currencies that show low correlation (they don’t move in the same direction at the same time).

We use carefully selected high-quality ETFs to add an additional level of diversification, helping to protect your portfolio from the ups and downs that individual stocks go through.

Typically, the higher the risk level, the more your portfolio will be invested in stocks and shares, while further down the risk scale, the balance will shift more towards bonds.

Seven different risk levels to fit your needs

Meeting your goals means understanding what you want, when you want it, how you feel about risk and the volatility you can handle. It’s our goal to make sure you get it absolutely right.

Select a portfolio to see its historical performance (net of fees) and current asset allocation.

Key to the figures
Moneyfarm returns net of fees since inception (01/01/2016) vs. average peer group performance over the same time period.
These past performance figures are simulated. Past performance is no indicator of future performance. The allocations shown above are based on our model portfolios at a point in time, so they’re an illustration of how your actual portfolio might look. The exact composition may differ, if the value of your portfolio falls below c. £3,000.

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 since inception (01/01/2016), 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.

Careful with costs

It’s easy to forget, but trading costs add up and over time they can really eat into your returns. That’s why we keep costs to a minimum.

We typically invest in high-quality exchange-traded funds (ETFs), which are a great way to achieve low-cost diversification.

By focusing on long-term trends, along with carefully selected short-term opportunities, we minimise trading costs, which adds to your returns.

More about costs

We see the big picture

Managing your own investments can be time-consuming, and decisions made under stress can cost you in the long run.

Experienced portfolio managers

We combine years of investment experience with proprietary models to cut through the noise and make objective decisions for you.

Decisions based on research

Every decision we make is based on extensive quantitative analysis and qualitative research of market fundamentals and trends, and is vetted by our investment committee.

Actively managed portfolios

We monitor the markets daily and check, adjust and rebalance your portfolio, so it’s the right fit for you and makes the most of opportunities.

How we invest your money

Anticipating the future

We look 10 years ahead at the expected returns and volatility of every asset type and how they might react to economic and political developments – our Strategic Asset Allocation.

Long-term meets short-term

We balance our long-term view with a shorter, one-year perspective, using proprietary quantitative models to make the most of short-term market opportunities as they arise.

Spreading the risk and opportunity

We use optimisation algorithms to choose the best combinations of different asset types, regions and currencies, and stress test these to maximise expected returns for each risk level.

Picked with precision

The ETFs we invest in offer low costs, high liquidity and real diversification. We choose from the thousands available to get quality, reliable funds issued by top tier providers.

Active management

Our portfolio management style is ‘active’, monitoring the markets every day to make sure it’s working hard and reinvesting the dividends paid out by assets in your portfolio.

Why Exchange Traded Funds (ETFs)?

ETFs are listed on the stock exchange and they typically track the performance of a pool of investments or an index, such as the FTSE 100 – safer than investing in individual stocks.

  • They’re traded every day and typically offer high liquidity in most market conditions, so it’s easy to buy and sell them (and make adjustments to your portfolio quickly).
  • It’s usually easy to know exactly what they contain, which is important when we’re building the right asset allocation for you.
  • They offer low management costs. We’re active managers, but your portfolio is built from low-cost passive funds.

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

Enjoy tax-free returns with flexible access to your money. Withdraw and reinvest in the same year without it counting towards your yearly ISA allowance.
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Private Pension

Invest for retirement and pay less tax today. Receive an instant 25% government boost – subject to tax status, 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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