Moneyfarm’s fixed allocation approach offers a simple yet effective management style and a globally diversified portfolio that matches your financial goals, with all-inclusive competitive costs.
Built by experts
Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.20% per year) and market spread effects (up to 0.09% per year).
The platform fee applies to all Wealth assets combined. VAT included where applicable.
When deciding between fixed allocation and active management for your investments, the key thing to consider is how hands-on you want the management to be. Both of our investment strategies have the same cost-efficient ETFs that provide a simple, cost-effective way to achieve global diversification. However, our actively managed portfolios involve our Asset Allocation team reviewing your investments several times a year, while fixed allocation is rebalanced once a year,
With either option, you still benefit from the continuous support of our investment consultants and our user-friendly app. Fixed allocation is an ideal strategy if you prefer a hands-off, consistent investment approach with fewer interventions and lower fees.
| Feature | Active Management | Fixed Allocation |
|---|---|---|
| Socially responsible portfolios | Yes | Yes |
| Easy-to-use app | Yes | Yes |
| Dedicated consultant | Yes | Yes |
| Ongoing expert risk management | Yes | Yes |
| Strategic portfolio rebalancing on market opportunities | From 0.35% | From 0.25% |
| Risk levels | 7 | 5 |
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By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.
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Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154
Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)
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Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539
This company meets high standards of social and environmental performance, transparency and accountability.
Moneyfarm uses an encrypted connection to protect your data.
Yes, all Moneyfarm clients have access to our team of personal investment consultants. If you’d like to discuss your options you can book a complimentary appointment, or if you’d prefer to chat or email, please drop us a line.
Yes, we’ve made it easy for you to do so. Simply click “review portfolio” in your account details and make your selection. Once you’ve made your selection we will make the trades the next business day. Please call your dedicated investment consultant if you have any queries on the process.
Yes, you can choose your fixed allocation portfolio to invest in our socially responsible portfolios. Your fixed allocation portfolio will have the same standards as our actively managed portfolios, so you can invest according to your values.
Yes, you can!
With our fixed allocation product you take more ownership of your investment decisions. While your fixed allocation portfolio does qualify for one rebalancing by our asset allocation team per year, you miss out on year-round active management by our team of experts who constantly monitor and refine your investments on an ongoing basis. Because of this, we’re able to offer our fixed allocation portfolios at a reduced fee.
Fixed allocation differs from actively managed portfolios in several ways. The first is that fixed allocation portfolios follow the market without active intervention and decision-making from our expert asset allocation team. If you want an investment product that has reduced management fees, where you are more confident making investment decisions about when to disinvest, then fixed allocation may be for you. If, however, you would be more confident with a team of experts monitoring and rebalancing your portfolio when market conditions dictate they should, you might prefer our actively managed portfolio options.
