12 MONTHS OF ZERO MANAGEMENT FEES

AWARD-WINNING, EFFORTLESS & MANAGED BY EXPERTS

Open a Wealthify investment plan and pay no management fees for 12 months.

This offer is available for General Investment Account, Stocks and Shares ISA and Junior Stocks and Shares ISA only. New customers only.

This offer does not apply to the Wealthify Instant Access Savings Account, Cash ISA or Personal Pensions. Minimum deposits apply.

Full Terms and Conditions here.

With investing, your capital is at risk. Tax treatments depend on your individual circumstances and may change in the future.

Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.

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.

HOW TO INVEST

Choose your plan

From an ISA to invest up to £20k a year, a GIA to invest without limits, 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.

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.

From our clear and simple platform to our flexible Investment Plans and excellent customer service; there are hundreds of great reasons why you might want to invest with Wealthify.

We’ve also won a number of awards over the years, including:

Best Investment Platform for User Experience at the YourMoney.com Investment Awards 2023
Best Managed Stocks & Shares ISA @ Good Money Guide Awards 2023
Best Buy ISA, Best Buy JISA, Best for Beginners @ Boring Money Best Buys 2023
Best Wealth Investment Platform @ Online Money Awards 2023
Best Pension Platform at the YourMoney.com Investment Awards 2025

Not only that, but our Junior ISA has been named the Best Junior ISA at the Personal Finance Awards six years in a row!

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.

Stocks & Shares ISA, Junior ISA & General Investment Account

Yes, they are. Investments in our Stocks and Shares ISA, Junior ISA, and General Investment Account are held by Wealthify itself. Up to £85,000 of your money may be protected under the Financial Services Compensation Scheme (FSCS), as Wealthify is authorised by the FSCS.

This is also the case in regard to any cash held in our investment Plans — as our trusted Banking Partner, ClearBank Limited, is also authorised by the Financial Services Compensation Scheme (FSCS). This protection would apply in the additional instances:

• Money to be invested or paid out;

• Money transferred in the case of a rebalance process;

• Cash Park;

• Or, the percentage of cash held in your Plan(s).

Self-Invested Personal Pension customers

Yes, they are. The custodian of our Self-Invested Personal Pension is Embark Investment Services Limited — part of the Embark Group — the UK’s fastest-growing digital retirement platform. Embark hold your assets separately from Wealthify. So, even if we went into administration, our creditor would not have a claim to your investments.

All investment customers

The Financial Services Compensation Scheme (FSCS) covers the first £85,000 of your investments. However, it’s essential to understand that the FSCS doesn’t cover you if your investments don't perform as expected, and you get back less than you originally invested. For more information, visit https://www.fscs.org.uk/.

Along with the FSCS cover outlined above, the companies we work with, and Wealthify itself, are regulated by the Financial Conduct Authority (FCA). All assets in our Stocks & Shares ISAs, Junior ISAs, General Investment Accounts, and Self-Invested Personal Pensions will be held in accordance with the FCA's Client Asset (CASS) rules; meaning all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.

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 Mutual Funds, which are 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).

Yes, your money is safe when using Wealthify as the companies we work with, and Wealthify itself, are regulated by the Financial Conduct Authority (FCA). All assets in our Stocks and Shares ISAs, Junior ISAs (JISAs), General Investment Accounts (GIAs), and Self-Invested Personal Pensions (SIPPs) will be held in accordance with the FCA's Client Asset (CASS) Rules; meaning all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.

Alongside the protection outlined above, up to the first £85,000 of your money invested with Wealthify may be protected by the Financial Services Compensation Scheme (FSCS) in the event of the insolvency of our Pensions custodian Embark Investment Services Limited, or Wealthify itself.

It's important to understand that the FSCS doesn't cover you in the event that your investments do not perform as expected, and you get back less than you originally invested. For more information about FSCS cover for investment products, visit the FSCS website.

Our minimum account size depends on the products you are interested in.

Savings Accounts

You can open a Wealthify Instant Access Savings Account and Wealthify Cash ISA with just £1. You can top this up through instant bank transfer, one-off faster payments through open banking, and standing orders from your connected bank account.

Investment Plans

You can open a Wealthify Junior ISA with just £1, a Stocks and Shares ISA with £500, and General Investment Account with £1,000. After the account is open, you can decide if you want to add to it with lump sums, regular Direct Debit payments, a combination of both, or adding whatever you can afford. It’s all up to you!

Our Personal Pension is a little bit different. To open an account, you’ll need to add a minimum of £500, and any deposits you make also have a minimum payment amount of £50.