Discover how easy investing can be and make your money work as hard as you do. Personal Asset Management 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.
Personal Asset Management’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 Personal Asset Management, 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
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.
We keep costs low and transparent so that you can maximise your returns.
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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).
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.
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.
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 https://www.fscs.org.uk/
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.