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Get more from your money with an investment account that can be set up in just minutes and started with as little as £1. With investing, your capital is at risk.
General Investment Accounts (GIAs) are a simple way to invest and a great option
if you've used up your annual ISA allowance. You can start a GIA with as little
or as much as you like and there's no limit to how much you can put in.
Our experienced investment team will build and manage your General Investment Account for you.
You can add to or withdraw from your GIA whenever you want, and keep an eye on how it's performing any time,
either online or on our app.
Simply choose how much you'd like to invest and the level of risk you are comfortable
with and see how much your money could be worth.
You can choose to invest your money in our Original or Ethical Plans.
Original Plans use low cost investment funds to give you the broadest access to the stock market. They mostly use instruments known as 'passive investments' that track financial markets.
We use funds from leading providers to build our range of five original Plans.
Saving for the future is important, and so is staying true to your values.
Wealthify has joined forces with best-in-class ethical fund providers to create a range of five Ethical Plans that let you invest in organisations committed to having a positive impact on society and the environment.
Tell us what type of investor you want to be: cautious, adventurous or somewhere in between.
We build you a Personal Investment Plan with just the right mix of investments.
We monitor your Plan 365 days a year and adjust it to keep everything on track.
We use mostly low-cost passive investments, such as ETFs and mutual funds. These let your money track a market index like the FTSE 100 in the UK, and many others around the world. Passive investing is proven to be more effective long-term than an active investment strategy, where fund managers pick the stocks they think will do best.
Our experts use a range of passive investment funds, like Mutual Funds and ETFs to build your plan. An investment fund is a bundle of lots of individual assets, like stocks, bonds or property, which you buy all in one go, making funds a cost-effective way to invest.
The mix of funds and investments in your Plan will depend on your attitude to risk. Low risk Plans will contain a higher percentage of low-risk investments like bonds. Higher-risk Plans will include more shares. Since financial markets are always changing, we’ll make adjustments to the mix of investments in your Plan from time to time.
We’ve created five investment Plans – from Cautious to Adventurous – so you can choose a level of risk that’s right for you. Find out more about what’s in each of these Plans by downloading the Plan Factsheets below.
Original Plan Factsheets
Ethical Plan Factsheets
Why invest in one company, when you can invest in them all? That’s the essence of passive investing. Instead of putting all your eggs in one basket and relying on one particular company to perform well, you spread your money across all of them, so that you benefit from their collective strength. To do this, you need funds like ETFs and Mutual Funds (known as passive investment vehicles). These let your money track an index like the FTSE 100, which is composed of the 100 largest companies listed on the London Stock Exchange.
Passive investing is generally accepted as a more effective long-term strategy than the alternative, active investing, where fund managers try to pick the stocks they think will do best. The Dow S&P Indices show that as few as 14% of active fund managers actually manage to beat the market each year, when looked at over a long time period.
No, that’s what we’re here for. You only need to tell us your investment style and how much you want to invest, and we do everything else. Our investment team have pre-selected a range of passive funds, and programmed our automated investment system with algorithms (mathematical formulas) that build your Plan based on what you tell us your goals are.
Yes, if you are a UK resident (England, Wales, Scotland or Northern Ireland) you can use all, or part of your annual tax-efficient savings allowance of £20,000 (current tax year) to invest in a Stocks and Shares ISA with Wealthify. We don’t offer cash ISAs, Innovative Finance ISAs or Lifetime ISAs. Take a look at our ISA page for more information.
Yes, they are. All your investments in our ISAs and General Investment Account products are held with our custodian bank, Winterflood Securities, a global financial services provider and part of Close Brothers Group, who have been trading for more than 130 years. The custodian of our Pension products is Embark Pensions, who are part of the Embark Group – the UK’s fastest-growing digital retirement platform.
Winterflood Securities and Embark both hold your assets separately (ring-fenced) from Wealthify, so even if we went into administration, our creditors would not have a claim to your investments.
The Financial Services Compensation Scheme may also cover the first £85,000 of your investments, however, it’s essential to understand that the FSCS doesn’t cover you if your investments do not perform as expected and you get back less than you originally invested. For more information visit https://www.fscs.org.uk/
We typically invest your money within two working days of receiving it. However, it may take a couple of extra days for the investments to show on your dashboard, due to the investing process.
Founded in 1975, Vanguard is a US-based investment management company holding over $3tn in assets under management. Vanguard is the largest provider of mutual funds and the second largest provider of exchange-traded funds (ETFs) in the world.
Standard Life Aberdeen plc is one of the world’s largest investment companies, created in 2017 from the merger of Standard Life plc and Aberdeen Asset Management PLC. Operating under the brand Aberdeen Standard Investments, they manage £505.1bn of assets.
Mercer is an industry leader in providing retirement and investment services, advising on $15 trillion of assets globally. It is also a global leader in the provision of investment funds and solutions with $304 billion of assets under management.
Founded in 1836 Legal & General is a major multinational financial services company with total worldwide assets exceeding $1tn. Based in London, they are listed on the London Stock Exchange and are a constituent of the FTSE 100 Index.
BlackRock, Inc. is a multinational investment management corporation based in New York City. Founded in 1988, BlackRock is the world's largest asset manager with over $4.5tn in assets under management.
iShares is the leading force in global exchange-traded funds (ETFs), with over $1tn invested and representing almost 40% of the world's total ETF assets under management. BlackRock has a proven track record in index-linked strategies aimed at maximising investor returns over the long term.
HSBC is one of the world’s largest banking and financial services organisations and was established in 1865 to finance trade between Europe and Asia. HSBC’s Global Asset Management division manage $470 billion in assets across 26 different countries in a network of close to 500 investment professionals.