General Investment
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Investing Made Simple
Discover how easy investing can be and make your money work as hard as you do. Vital Financial Planning Ltd 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. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
An investment strategy built for you
With your investments being expertly managed by Wealthify, winners of Best Investment Provider at the British Bank Awards 2020, you simply choose the investment style that’s right from you, from our five different strategies. Wealthify carefully selects from a range of mutual funds and ETFs to create your globally diversified Investment Plan, and regularly monitor and adjust it to keep it on track.
Try it outStart 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.Choose How You Invest
Invest your way
You can choose to invest your money in our Original or Ethical Plans.
Original
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.
Ethical
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.
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 0.6% 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
Original
Ethical
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
Safe & Secure
Managed
Your money, managed by our team of experienced and qualified investment experts.
Safeguarded
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.
Safe & Secure
Managed
Your money, managed by our team of experienced and qualified investment experts.
Safeguarded
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
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Do you provide financial advice?
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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).
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Is my money locked in?
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This depends on which product you have with us.
Savings AccountsWith our Instant Access Savings Account and Cash ISA, you should receive withdrawals in your account within 3 hours, and any funds will be paid into your nominated bank account.Investment ProductsOur ISA and GIA accounts are entirely unrestricted so that you can withdraw money at any time, without any charges or penalties. We’ll need to sell your investments to release the funds, which will take up to 10 working days.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 (will increase to 57 from 2028). -
Who is Wealthify backed by?
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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. Our customers’ money will be covered by the Financial Services Compensation Scheme (FSCS).
Aviva and Wealthify are independently covered by the FSCS scheme, so a customer holding funds with both companies will be covered by the FSCS.
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Is my money safe in my investment Plan?
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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. This means all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.
Stocks and Shares ISA, General Investment Account, and Junior ISA
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 unlikely event of Wealthify facing insolvency.
Self-Invested Personal Pension (SIPP)
Our trusted Pension custodian, Seccl Custody Limited, may offer you up to £85,000 in FSCS protection in the unlikely event they should become insolvent.
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. -
Who decides how my money is invested?
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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.