Investing Made Simple

Discover how easy investing can be and make your money work as hard as you do. Murray Paterson would like to introduce you to Wealthify, a beautifully simple online investment service.

Sign up in less than 10 minutes and we'll build you a fully diversified investment Plan and manage it according to your chosen level of risk. With our industry-leading technology, you can keep an eye on how your Plan is performing wherever you are through a secure and easy-to-use digital dashboard.

With investing your capital is at risk

An investment strategy built for you

Murray Paterson’s fund choice is decided by Wealthify’s Investment Team, who carefully select ‘best of breed’ funds to spread your risk across a wide range of investments including shares, bonds, property, cash and commodities. With these funds, you can hold a greater variety of investments and benefit from low fund and transaction costs. You don’t need to do anything - all fund selections, performance monitoring, sales and purchases are carried out for you by Wealthify.

To help make sure that your investment Plan is right for you, it’s designed using a model created by Hymans Robertson, an independent investment consultancy firm with more than 95 years’ experience. This model takes your level of risk into consideration to create a Plan with an investment mix that perfectly matches your requirements.

With Murray Paterson, you also have a choice of Original or Ethical Investment Plans. The actively managed ethical funds aim to exclude industries and activities such as weapons, gambling, tobacco and adult entertainment, that are considered harmful, and actively support companies who are committed to having a positive impact on society and the environment.

Try it out

Start investing in 3 simple steps

You choose

Tell us what type of investor you want to be: cautious, adventurous or somewhere in between.

We invest

We build you a Personal Investment Plan with just the right mix of investments.

We optimise

We monitor your plan 365 days a year and adjust it to keep everything on track.
Try it out

Invest your way

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.

Build an original plan


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.

Build an ethical plan

What do I get for my fee?

  • Your Personal Investment Plan built by experts
  • 365 days a year monitoring
  • Ongoing adjustments to your Plan to keep it on track
  • Buying and selling investments for your Plan
  • Track your money 24/7 online
  • Your money and assets held separately with a custodian
  • Live chat, phone and email support

We keep costs low and transparent so that you can maximise your returns.

We charge a simple annual fee of 0.60% for managing your investments. Unlike traditional providers, we won’t charge you to deposit or withdraw money, transfer or close your Plan.
As with most investments, other costs can apply but we aim to keep these as low as possible, around ...% for original plans and ...% for ethical.

Calculate your fees

If you invest
you'll pay around ... a month
These figures are intended as a guide. Fees are charged as a percentage of the total value of your Plan, and so the amount you pay will vary depending on the value of your investments across the month. Fees are quoted annually but charged monthly.
Annual % Annual estimate
Wealthify fee 0.60% ...
Average investment costs ... ...
Total ... ...

Make your money work as hard as you do

With Wealthify you’re always in control:
  • Choose a level of risk that’s right for you - from Cautious to Adventurous or somewhere in between
  • Add more monthly to build up your Plan and withdraw if you need to without penalty
  • Check how your Plan is performing whenever you like
  • Know how much you’re paying with our clear and affordable fees
Try it out

Safe & Secure


Your money, managed by our team of experienced and qualified investment experts.


Up to the first £85,000 of your money can be protected by the Financial Services Compensation Scheme (FSCS).


Your money and assets are held separately with a custodian.

Help is on hand

Our customer service team are happy to help with any queries on 0800 802 1800 or on Live Chat.

Frequently Asked Questions

Do you provide financial advice?

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).

Is my money locked in?

This depends on which product you have with us.

Our ISA and GIA accounts are entirely unrestricted so that you can withdraw money at any time, with no charge or penalty. We’ll need to sell your investments to release the funds which will take up to 10 working – sometimes it’s quicker, but we can’t promise that.

With our Junior ISA and the Wealthify Pension, your money is locked until they reach maturity. For our Junior ISA this is the date of the child’s 18th birthday, when the account will automatically transfer into an adult ISA.  For our pension, it’s the date you turn 55. 

Who is Wealthify backed by?

Wealthify is backed by Aviva, the UK’s largest insurance provider and a global financial services company.

Wealthify remains fully authorised and regulated by the Financial Conduct Authority and our customers’ money can be covered by the Financial Services Compensation Scheme (FSCS) up to £85,000.

Aviva and Wealthify are independently covered by the FSCS scheme, so a customer holding investments with both companies may be covered by the FSCS on each of their investment balances up to £85,000.

Is my money safe?

Yes, your money is safe when using Wealthify, as we work with global finance service providers who are regulated by the Financial Conduct Authority. These custodians hold your cash securely and separately from their own, which means that if Wealthify went into administration, our creditors wouldn’t have a claim to your investments.

The two companies we use as custodians are Winterflood Securities Limited, who hold the funds for our ISA and General Investment Accounts, and Embark Investment Services Limited, who hold the funds for our pensions. Up to the first £85,000 of your money invested with Wealthify can be protected by the Financial Services Compensation Scheme (FSCS) in the event of the insolvency of Wealthify, Winterflood Securities or Embark. However, 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 visit

Who decides how my money is invested?

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.

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