Moneyfarm Smart Yield.
With Smart Yield, you can invest your capital and earn up to 4.7%* gross variable return with two portfolios tailored to different profiles, offering competitive returns, limited risk exposure, and maximum flexibility.
With Smart Yield, you can invest your capital and earn up to 4.7%* gross variable return with two portfolios tailored to different profiles, offering competitive returns, limited risk exposure, and maximum flexibility.
Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.
**Our P1 managed portfolio has a historical annualised volatility of 3.8% since inception, for comparison (as at 25/02/2026)
Please note, if you use this in a Stocks and shares ISA wrapper, the Government is proposing changes to the ISA rules which could mean any money moved to a Stocks and Shares ISA may not be transferred back to a cash ISA after April 2027 (if you are under the age of 65).
Smart Yield portfolios, monitored by our Asset Allocation team, are designed to help you achieve target returns up to 4.7%* on your cash. Returns depend on the selected time horizon and prevailing market conditions.
Through a selection of low-risk, yield-oriented instruments – such as short-term debt securities, qualified money market funds and fixed income instruments – Smart Yield aims to maintain limited volatility while preserving capital.
Smart Yield is an investment style that adapts to you, with no constraints. Invest with a short-term horizon and enjoy full flexibility to withdraw or transfer your capital to another Moneyfarm portfolio at any time. Costs are low and transparent.
Smart Yield portfolios, monitored by our Asset Allocation team, are designed to help you achieve target returns up to 4.7%* on your cash. Returns depend on the selected time horizon and prevailing market conditions.
Through a selection of low-risk, yield-oriented instruments – such as short-term debt securities, qualified money market funds and fixed income instruments – Smart Yield aims to maintain limited volatility while preserving capital.
Cash Yield: Underlying instruments cost: 0.09% (TER)
Enhanced Yield: Underlying instruments cost: 0.2% (TER)
From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.
Based on the weighted average of gross returns regularly published by the instruments and funds included in the Smart Yield portfolios, as of 27th of February 2026. Returns are sensitive to fluctuations in BOE deposit rates: increases in rates may lead to higher returns, while rate cuts may reduce returns.
Smart Yield portfolios (including Cash Yield and Enhanced Yield) may represent a strategy for short- or medium-term liquidity management, depending on the selected portfolio. You may benefit from returns linked to interest rate movements.
Although these are low-risk investments, they are not pure cash portfolios. The value of your investments may fall and you could receive back less than you invested.
As with all investments, capital is at risk. The value of your Moneyfarm portfolio may decrease as well as increase, and you may receive less than you invested. Return projections are not a reliable indicator of future performance.
Smart Yield is an investment style that adapts to you, with no constraints. Invest with a short-term horizon and enjoy full flexibility to withdraw or transfer your capital to another Moneyfarm portfolio at any time. Costs are low and transparent.
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Smart Yield is an investment style that allows you to invest with limited risk and flexibility. It includes two portfolios:
Enhanced Yield, designed for a 1–3 year horizon with greater return potential, designed as an alternative to traditional savings accounts, targeting returns 1% above the Bank of England base rate
Both portfolios are designed and overseen by our Asset Allocation team. Returns are influenced by several variables, including BOE interest rates, and may vary over time.
No. Smart Yield is a limited-risk investment style, but it is not a cash product. The value may fall and you could receive back less than you invested.
Returns are sensitive to several variables, including fluctuations in Bank of England base rates:
The Moneyfarm fee for both portfolios is 0.3% per year (VAT included). Of which 0.05% management fee and 0.25% platform fee.
In addition: Cash Yield underlying fund costs: 0.09% (TER); Enhanced Yield underlying instrument costs: 0.2% (TER).
Smart Yield risk exposure is monitored by our Asset Allocation team and by the institutional managers of the underlying funds and instruments. Our optimiser works constantly to ensure the allocation has the lowest risk possible to achieve the targeted rate of return.
Smart Yield has a limited risk profile. Cash Yield has limited risk due to exposure to short-term debt instruments. Enhanced Yield maintains a contained risk profile with higher return potential, thanks to selected ETFs (with limited additional exposure to market fluctuations).
It depends on the selected portfolio. Cash Yield has a recommended horizon of 12 months (non-binding). Enhanced Yield has a recommended horizon of 1 to 3 years (non-binding).
Smart Yield invests in low-risk instruments and funds selected by the Asset Allocation team.
Cash Yield invests in short-term debt instruments (e.g. bonds, certificates of deposit, commercial paper). Enhanced Yield invests in selected ETFs, including target-date ETFs and higher-yielding instruments.
Expected returns may vary depending on several factors, including BOE decisions: rate increases may raise expected returns, rate cuts may reduce expected returns. This applies to both Cash Yield and Enhanced Yield.
Expected returns may vary depending on interest rates and market conditions. We will update any platform material changes affecting Cash Yield and/or Enhanced Yield periodically.
The expected annual gross return, not guaranteed, is 3.9%* for Cash Yield and 4.7%* for Enhanced Yield. *Returns are sensitive to fluctuations in BOE deposit rates.
Smart Yield offers limited risk, flexibility, a competitive return objective and continuous monitoring.
Cash Yield is designed for short-term savings management.
Enhanced Yield is designed for a 1–3 year horizon with greater return potential - whilst mitigating risk as much as possible, with our clever optimiser.
An additional benefit is full flexibility: you can withdraw or transfer your liquidity to another portfolio at any time, allowing you to enter the market when you consider it appropriate.
Performance is closely linked to BOE monetary policy. Rate increases would lead to higher annualised gross returns, while rate cuts would reduce them.
A money market fund invests in short-term, low-risk debt securities (e.g. government bonds, commercial paper, certificates of deposit). Within Smart Yield, it may be used to limit volatility and manage liquidity.
A bond ETF is an Exchange Traded Fund that invests in bonds and replicates the performance of a bond index composed, for example, of government or corporate bonds, with short or long maturities.
Within Smart Yield, bond ETFs – particularly short-duration ones – may be used to limit volatility and manage liquidity efficiently.
