No investing experience necessary

Our approach

Your money is invested using a number of funds. Funds contain a collection of investments and are a convenient and cost-effective way to invest.

Some of these funds contain shares, but they also contain other good stuff, like bonds, property and commodities (such as precious metals, energy and agriculture). This is known as diversification and is a way to spread out your risk.

The mix of funds will change over time and depends on your attitude toward risk, as well as how financial markets are doing. 

With investing your capital is at risk

Passive investing

We use mostly low-cost passive investments, such as ETFs and mutual funds. These let your money track a market index like the FTSE 100 in the UK, and many others around the world. Passive investing is proven to be more effective long-term than an active investment strategy, where fund managers pick the stocks they think will do best.

We use funds from leading providers to build your plan

Simulated Past Performance

Here's how we performed across the full range of Wealthify Plans, from Cautious to Adventurous, between 1st March 2016 and 31st December 2018, after all fees have been taken (based on 0.7% Wealthify management charge). These figures are based on the performance of Plans worth more than £750, and will be different for Plans below that amount.

The above graph illustrates past performance for Original Plans only. The past performance data shown is simulated, but it represents real transactions we've carried out for actual customer Plans across each of our five Investment Styles. Simulated past performance is not a reliable indicator of future performance.

Investment Style 01/01/2014 - 31/12/2014 01/01/2015 - 31/12/2015 01/01/2016 - 31/12/2016 01/01/2017 - 31/12/2017 01/01/2018 - 31/12/2018
Cautious n/a n/a n/a 2.21% -1.65%
Tentative n/a n/a n/a 3.30% -2.88%
Confident n/a n/a n/a 4.39% -4.43%
Ambitious n/a n/a n/a 6.16% -6.10%
Adventurous n/a n/a n/a 7.72% -7.62%
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