MSE OFFER: INVEST WITH WEALTHIFY
Whether you're cautious or adventurous, investing for your financial piece of the pie or peace of mind: Wealthify makes it easy to do more with your money.
Our latest offer also means this could be a good time to join Wealthify. Simply open or transfer an account to Wealthify and you could earn between £50 and £1,000 cashback when you deposit and/or transfer at least £250.
- £50 cashback for investments between £250 - £999
- £100 cashback for investments between £1,000 - £4,999
- £200 cashback for investments between £5,000 - £9,999
- £350 cashback for investments between £10,000 - £19,999
- £500 cashback for investments between £20,000 - £29,999
- £600 cashback for investments between £30,000 - £39,999
- £700 cashback for investments between £40,000 - £49,999
- £800 cashback for investments between £50,000 - £99,999
- £1,000 cashback for investments of £100,000 or more
All transfer requests must be started within six months of the date you register your interest. All cash deposits must be received within six months of the date you register your interest. You must remain invested for 12 months.
If you're transferring an existing investment to us, there are a few things you'll need to consider before deciding whether or not it's right for you. Find out more here.
Offer registration ends on 31st May 2024. New customers only. Offer excludes Wealthify Instant Access Savings Account. T&Cs apply.
With investing, your capital is at risk. Tax treatments depend on your individual circumstances and may change in the future.
HOW TO QUALIFY:
Step 1
Choose how much to invest and pick one of five investment styles to create your Plan and complete our suitability assessment
Step 2
Deposit at least £250 into your Plan and
Step 3
Remain invested for 12 months, keeping the total investment at or above the qualifying investment amount (£250).
Step 4
We'll then pay the cashback into your Wealthify Plan within 30 days of qualifying.
STEPS FOR CLAIMING THIS OFFER
If you're opening a brand-new investment with us, rather than transferring from an existing provider, simply click the button below to register.
If you're transferring an existing investment to us, however, then here are a few things you'll need to consider before deciding whether or not it's right for you.
- Exit costs: We won’t charge you if you transfer your investment to us. However, your existing investment provider might have an exit charge, so be sure to check with them first.
- Investment fees: Before transferring your investment, compare your current fees and charges with ours. Even though we keep our costs as low as possible, you should understand the different fees and charges before making the move, checking that everything makes financial sense for you.
- Transfer process: Your investment will be transferred as cash only, so the existing investments will need to be sold first. As a result, you will not be invested for a period of time — and you’ll be ‘out of the market’ while the transfer takes place.
- It’s not certain you’ll be better off: There are never any guarantees about how investments will perform over time. By combining two or more pensions, you're not guaranteed to have more money in retirement than you would if you kept them separate.
- Pension benefits and guarantees: You can't transfer a pension to us that has safeguarded benefits or guarantees, which might include defined benefit pensions; defined contribution pensions with a guaranteed income; or benefits such as getting more than 25% of your cash tax-free. We also can't accept a transfer if you’re already taking an income from it. For other pensions, you should also consider whether you may lose any other valuable features if you transfer, such as loyalty bonuses.
Awards
We're really proud of all the awards we've won since launching in 2016; not because we enjoy the recognition, but because it means we're doing something right (and that our customers are happy). These awards also help spread the word about Wealthify — meaning other people can start enjoying it, too!
SAVE. INVEST. BUILD YOUR FUTURE WEALTH.
Whether you're saving regularly or investing ethically, we've built a range of award-winning products to help you achieve your financial goals.
STOCKS AND SHARES ISA
Invest up to £20,000 a year with tax free returns.
GENERAL INVESTMENT ACCOUNT
Try a General Investment Account to invest without a cap.
JUNIOR STOCKS AND SHARES ISA
Give your little ones a head start for when they turn 18.
SELF-INVESTED PERSONAL PENSION
Invest for your future in a pension with a 25% tax relief top up.
HOW TO INVEST
Start from as little as £1 (£50 for Pensions), set the terms for your money, then we look after everything for you.
CHOOSE YOUR PLAN
From an ISA to invest up to £20k a year, a GIA to invest without limits, a SIPP to save for retirement, or a JISA for your children's future.
CHOOSE YOUR RISK STYLE
Pick from 5 investment styles and tell us how much you want to invest via a lump sum or by setting up a direct debit, from as little as £1 (£50 for Pensions).
Take our Suitability Quiz
This is our way of helping you start a Plan that's right for your circumstances and attitude to risk.
LET US DO THE REST!
Our experts will build your Plan and manage it for you, keeping it in line with your chosen style.
Why choose Wealthify?
We want to help make your money work harder. It’s simple – our investment styles allow you to choose what type of investor you want to be, from cautious to adventurous, and we’ll build you an investment Plan and manage it for you.
Start with a cautious level if minimising loss is your priority or adventurous level to maximise returns! We also offer ethical Plans, so you can easily invest in line with your values.
KEEPING YOUR MONEY SAFE
We know the only thing more important than making your money work harder, is making sure it’s safe — here’s how we take care of yours.
Secure
Your login details will always be kept secure – but never shared with anyone else.
Support
Our friendly Customer Care Team are always happy to help via email, Live Chat, or on 0800 802 1800.
Strength
Wealthify is owned and backed by Aviva: one of the UK's largest financial institutions.
HOW YOUR PLAN IS INVESTED
We use mostly low-cost passive investments, such as mutual funds from top investment management firms, to let your money track a mix of whole markets, like the FTSE100. This way of investing is proven to be more effective long-term than an active investment strategy.
Our portfolios contain a mix of shares, bonds, commodities and other investments, which our experts optimise to keep your Plan on track and rebalance to keep in line with your chosen investment style.
Blogs and articles
Read the latest from our experts to help you understand investing, including how we invest for you — and why this could be a great time-saver for busy investors.
Investment faqs
Your money is looked after by a team of qualified investment managers with experience in established firms all over the world. Our experts have developed an investment system that uses algorithms and industry experience to pick the best funds available to you, then builds you an investment plan that suits your goals and attitude to risk. And because things are always changing in the financial markets, our team monitors and adjusts your plan regularly, to make sure your money works as hard as you do.
There are hundreds of great reasons why you might want to invest with Wealthify – from our clear and simple platform to our flexible investment plans and excellent customer service.
We’ve also won a number of awards over the years, including Best Investment Platform for User Experience at the YourMoney.com Investment Awards 2022, Best Investment ISA at the Personal Finance Awards, Best Investment Platform at the Online Personal Wealth Awards 2021, and Best Investments Provider at the British Bank Awards 2020.
Not only that, but our JISA was named the Best Junior ISA at the Personal Finance Awards in 2021, 2020 and 2019!
We’re not a fully-automated investment service. We automate certain parts of the investment process, like monitoring how well global markets are performing, using computers programmed with algorithms (mathematical formulas). This is more cost-effective than having highly-paid fund managers do it and we pass those savings onto you. Our experts use the market information along with their own knowledge and experience, to make small adjustments to the mix of funds in your investment plan, where appropriate. So Wealthify uses a mix of smart algorithms and human expertise to make sure your plan stays on track.
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/
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. We are not regulated to give you advice on whether investing is right for you. If you’re unsure, you should always seek the advice of an Independent Financial Adviser (IFA).
Wealthify considers the security of your personal information to be of the utmost importance and we take several measures to ensure it is kept safe.
Any information you provide on our website is transmitted using secure SSL technology with 256-bit encryption. Where we store sensitive information, such as passwords and bank account numbers, we use strong encryption algorithms similar to those used by the major high-street banks.
We also insist on a minimum password length and require you to use upper case letters and numbers in your password to make it more secure.
Account security is also your responsibility. You should never share your password with anyone else, or let anyone else have access to your Wealthify account.