If you read our 2025 market summary, you’ll know that Artificial Intelligence (AI) was one of year’s biggest financial stories.
And, with Meta, Microsoft, and Alphabet ramping up their AI spend[1], it’s a story that's set to continue over the next 12 months, too.
But what does this mean for investors?
For some, it means a sense of optimism, what with AI shares driving strong market performance in 2025, and the sector’s leading companies publishing broadly encouraging earnings reports recently.
For others, a sense of caution, as last November’s AI-related volatility means fears of overvaluations and bubbles still linger.
As a Wealthify investor, however, it means having your own team of experts preparing for both outcomes.
Introducing two new funds
Throughout 2025, we positioned Wealthify Plans to benefit from the initial AI excitement, adding US shares and a new technology fund.
Heading into 2026, we’ve made the following changes to all Original Plans (apart from Original Cautious):
Improved resilience in the event of an AI bubble
In a more defensive play, we've introduced two new funds, both of which have historically provided protection during the sell-off of technology shares:
- The first is UBS FTSE RAFI Developed 1000, which targets financially strong global companies trading at relatively low valuations.
- The second is UBS MSCI World Minimum Volatility, designed to reduce price fluctuations compared with global equities.
To make way for these new additions, we've sold funds that focus on smaller companies more susceptible to market swings and economic challenges.
We’ve also cut back on property shares, which continue to face challenges adjusting to post-pandemic trends. Overall, these new positions complement our existing defensive shares, such as large UK companies and infrastructure.
Increased US exposure in the event of an AI boom
Elsewhere, we’ve slightly increased the number of US shares, which have a high allocation of AI companies.
Should AI continue its momentum, Plans are positioned to take advantage of opportunities — with our new funds helping to provide protection in the event of an AI downturn.
With investing, your capital is at risk. Please remember the value of your investments can go down as well as up, and you could get back less than invested.
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