Stocks & Shares ISA
- Managed: Our experts buy and sell investments for all Plans – so you don't have to.
- Simple: Choose your risk level, how much to invest, and we do the rest.
- Trusted: Backed by Aviva and used by over 130,000 busy investors.
With investing, your capital is at risk. Tax on investments depends on your individual circumstances and can change. ISA rules apply. Minimum initial deposit of £1,000 required.
OUR AWARDS
Since 2016, we've been looking after our customers' hard-earned money and have picked up over 60 awards along the way.
Getting started
As with everything we do at Wealthify, we’ve made the process of opening a Stocks and Shares ISA as simple as possible.
You choose
From Cautious to Adventurous, choose your investment style and let us know how much you'd like to get started with.
You answer
Answer a few questions in our suitability quiz, which helps you start an ISA that's right for your circumstances and attitude towards investing.
We build
Our team of investment experts then get to work building your Plan, making sure it’s aligned with your chosen investment style.
We manage
Just sit back, relax, let us manage everything for you — and use our online dashboard or app to follow your Plan's performance!
Who manages your plan?
At Wealthify, our in-house team of investment experts mean you've got decades' worth of investing experience at your fingertips.
By monitoring and adjusting things regularly, your Investment Plan is being consistently optimised and kept in line with your chosen investment style and values.
Their dynamic and detailed approach to managing money is why over 125,000 people choose to invest with Wealthify in the first place.
DIY or Managed Plans?
There's no such thing as the right portfolio management strategy - only what's right for you.
So, if you:
- Are new to investing, short on time, or unsure how to build a diversified portfolio.
- Want professional expertise in building and managing your money.
…then managed investments might be your best choice.
However, if you:
- Consider yourself a confident investor with enough experience.
- Understand the ins and outs of researching and picking your own investments.
…then you might be ready to take on your own portfolio management with DIY investing.
If you're considering the managed investments route, why not consider Wealthify?
Why choose Wealthify?
- No experience needed: Our team of expert investors make all the investing decisions for you, so you have more time to enjoy life outside your finances.
- Low fees: Our team managing and adjusting your Plan for you, access to best-in-class funds, the ability to track your money 24/7 online or via the app, the security of your assets, and more – all included in one low fee.
- Award-winning Customer Care: Our UK-based team are always on hand to help via Live Chat, secure message, or by phone.
- Trusted: Backed by Aviva, over 60 awards to our name, 130,000+ investors with us, and an Excellent rating on Trustpilot.
Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 30th November 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Original Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 2.70% | 0.47% | -11.19% | 4.65% | 1.05% | 6.08% |
| Tentative | 3.88% | 3.72% | -10.82% | 6.21% | 3.36% | 8.02% |
| Confident | 4.87% | 6.66% | -10.33% | 7.76% | 6.09% | 9.93% |
| Ambitious | 5.11% | 9.66% | -9.39% | 9.46% | 9.10% | 11.58% |
| Adventurous | 5.06% | 12.75% | -9.14% | 11.35% | 12.27% | 12.95% |
Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 30th November 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Ethical Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 4.14% | 0.73% | -14.93% | 4.80% | 0.70% | 5.22% |
| Tentative | 6.45% | 4.11% | -15.65% | 6.85% | 2.77% | 5.75% |
| Confident | 9.04% | 7.63% | -16.51% | 8.81% | 5.01% | 6.12% |
| Ambitious | 11.16% | 11.18% | -17.42% | 11.08% | 7.34% | 5.64% |
| Adventurous | 13.43% | 14.65% | -18.72% | 13.63% | 9.98% | 5.63% |
Investment outlook
Our outlook on the long-term futures of markets across the world and in different asset classes, shapes how we invest your money.
Transferring an ISA?
Here are a few things to consider
- You can transfer any Cash ISAs or Stocks and Shares ISAs (Investment ISAs) you have with other providers in to a Wealthify Investment ISA.
- When you transfer an ISA to Wealthify, you should always use the official ISA transfer form to retain the ISA tax benefits.
- Transferring ISAs from previous tax years doesn’t impact your current ISA allowance, so you can still put up to £20,000 into an ISA this tax year.
Ethical investment options
With Wealthify, investing for your future also means being able to invest in the planet's future at the same time.
That's why we've joined forces with best-in-class ethical fund providers, to create five Ethical Plans that let you invest in organisations committed to having a positive impact on society and the environment. All our fund providers are signatories of the Principles of Responsible Investing (PRI), the world’s leading proponent of responsible investing.
The actively managed ethical funds employed in plans keep a close eye on the organisations in which they invest - employing rigorous, ongoing screening to ensure ethical standards are maintained.
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.
Wealthify Customer Reviews
Related blogs
Investment FAQs
You can open an ISA with Wealthify if you:
Are over 18
Are UK tax resident
The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
For Stocks & Shares ISA, Junior ISA & General Investment Account
We are authorised by the Financial Services Compensation Scheme (FSCS) and investments in these accounts are held by Wealthify itself. This means that in the unlikely event of Wealthify facing insolvency, up to a maximum of £85,000 of your money may be protected under the FSCS.
For Self-Invested Personal Pension customers
Our trusted custodian for pensions, Embark Investment Services Limited, hold your assets separately from Wealthify. This means Embark may offer you up to £85,000 in FSCS protection in the unlikely event they should become insolvent.
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 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. This means all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.
Our experts use a range of passive investment funds (like Mutual Funds) to build your Plan. An investment fund is a bundle of lots of individual assets (like stocks, bonds, or property) which you buy all in one go, making funds a cost-effective way to invest.
The mix of funds and investments in your Plan will depend on your attitude to risk. Low-risk Plans will contain a higher percentage of low-risk investments like bonds. Higher-risk Plans will include more shares. Since financial markets are always changing, we’ll make adjustments to the mix of investments in your Plan from time to time.
We’ve created five investment Plans – from Cautious to Adventurous – so you can choose a level of risk that’s right for you. Find out more about what’s in each of these Plans by downloading the Plan Factsheets below.
Original Plan Factsheets
Adventurous Plan [download pdf]
Ethical Plan Factsheets
Cautious Ethical Plan [download pdf]
Tentative Ethical Plan [download pdf]
Confident Ethical Plan [download pdf]
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, that’s what we’re here for. Tell us your investment style, theme and how much you want to invest, and we do everything else. Our Investment Team have pre-selected a range of passive funds, and programmed our automated investment system with algorithms (mathematical formulas) that build your Plan based on what you tell us your goals are.
Yes, we will always let you know if we make a rebalance or substantial changes to your plan, as this can have a significant impact.
We don’t want to bombard you with emails, so it wouldn’t be practical to let you know each time we buy and sell shares in your plan. That said, every transaction appears in your Wealthify dashboard so you can monitor it there if you wish.
We typically invest your money within two working days of receiving it. However, it may take a couple of extra days for the investments to show on your dashboard, due to the investing process.
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.
We’ll show your returns for each Plan as a percentage and actual monetary value, so you always know exactly how your investments are performing.
We calculate your returns using the ‘Time-Weighted Rate of Return’ (TWRR) method, which is widely used within the investment management industry. This is the most transparent way to show you your actual return (i.e. how much your money has grown) because it ignores any cash deposits or withdrawals you might have made in the meantime. In other words, it only tells you how much you’ve gained or lost from your investments, not what you’ve put in or taken out yourself.
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.
With Wealthify, you have 24-hour, year-round online access to your investments. You can view and edit your Plans, and add or withdraw funds, in just a few clicks. Your Plan detail page shows you the lifetime performance of your Plan, the assets you hold, and your full transaction history (including monthly fee payments). It’s good to check in from time to time, but remember: investing is a long-term savings strategy.
Please note: withdrawals for Pensions and Junior ISAs are only available upon maturity.