A low-cost, low-intervention approach to investing

Invest in a fixed, low-cost, and globally diversified portfolio for simple, passive, long-term growth.

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With investing, your capital is at risk

A hands-off approach that keeps you in control

Built by experts

Our Fixed Allocation portfolios are carefully constructed by our experienced investment team.

A low-cost solution

With almost no active intervention from our investment team, we can offer Fixed Allocation portfolios at a reduced cost.

Left alone to grow

Our fixed allocation portfolios are rebalanced just once a year, leaving investments to grow with the markets.

A hands-off approach to passive investing

Built by experts

Fixed allocation portfolios are carefully constructed by your experienced investment team.

A low-cost solution

With only one portfolio rebalance per year from our expert investment team, we’re able to offer lower cost fixed allocation portfolios.

Left alone to grow

With a passive, hands-off approach your investments are free to move in line with the markets.

Socially responsible portfolios

Like our actively managed portfolios, fixed allocation portfolios can be built in a way that fits with your values.

You're in control

Your money is available and accessible. You’re able to withdraw and reinvest over the duration of the tax year with no penalties.

How does fixed allocation compare to actively managed portfolios?

The investing goals of fixed allocation portfolios are the same as actively managed accounts. Moneyfarm aims to provide long-term investment returns, and to protect and grow your wealth over time.

Built from the same best-in-class ETFs as our regular portfolios, you still have access to our team of dedicated investment consultants and our easy-to-use app, however you miss out on expert active management and regular rebalancing by our asset allocation team as they constantly search for new investment opportunities.

In comparison, Moneyfarm’s actively managed portfolios give you a more curated experience and more oversight from your portfolio’s management team. We actively manage your investments to address short-term risks and continue to pick out the best investing opportunities in the market. Active management means you gain peace of mind by being able to relax while our investment experts do the investing for you. To learn more, please press here.

Feature	Active management	Fixed allocation
Socially responsible portfolios
Easy-to-use app
Dedicated consultant
Ongoing expert risk management
Strategic portfolio rebalancing to capitalise on market opportunities
Management fees	From 0.35%	From 0.25%
Risk levels	7	5

The right product for you

Whether you’re starting out, well on your way or already advanced, we have a focused range of products to meet your needs.

The right product for you

The fixed allocation investment style is compatible with all of our product range.

Stocks & Shares ISA

The perfect choice to start your investment journey, with £20,000 tax free allowance each year and penalty-free access.

Learn more about ISAs

Private Pension (SIPP)

Ready to plan further ahead? Our pension gives you a tax free retirement investment, with relief on your contributions too.

Learn more about pensions

General Investment Account

If it’s time to look for wealth diversification, unlimited and accessible, this is the perfect account for your needs.

Learn more about GIAs

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.

Learn more about JISAs

Stocks & Shares ISA

The perfect choice to start your investment journey, with £20,000 tax free allowance each year and penalty-free access. Learn more

Private Pension (SIPP)

Ready to plan further ahead? Our pension gives you a tax free retirement investment, with relief on your contributions too. Learn more

General Investment Account

If it’s time to look for wealth diversification, unlimited and accessible, this is the perfect account for your needs. Learn more

Junior ISA

It’s never too early to get started. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options. Learn more

With investing, your capital is at risk and you may get less than what you invested. Tax treatment depends on your individual circumstances and may change in the future.

Need help deciding?

We’ve got you covered. Take our quick quiz, and in less than a minute you should have a better idea of the right product for you.

See how much you could save

Take a look at our fees to see just how affordable a fixed allocation portfolio can be

SOCIALLY RESPONSIBLE

CLASSIC

Your fee

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What's included

Globally diversified
Dedicated consultant

Rebalanced regularly

Actively managed

See pricing breakdown

	Annual	Monthly
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Learn more about our pricing

Frequently asked questions about Fixed Allocation

How does fixed allocation differ from actively managed portfolios?

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.

Why do fixed allocation portfolios cost less than actively managed ones?

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.

Can I hold both actively managed and fixed allocation portfolios at the same time?

Yes, you can!

Are fixed allocation portfolios available as socially responsible investments?

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.

Can I switch between fixed allocation and an actively managed portfolio or vice versa?

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.

Do I still have access to a dedicated investment consultant with a fixed allocation portfolio?

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.

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A low-cost, low-intervention approach to investing