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.
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.
Here's how we performed across the full range of Wealthify Plans, from Cautious to Adventurous, between 1st March 2016 and 31st December 2017, after all fees have been taken (based on 0.5% Wealthify management charge). These figures are based on the performance of Plans worth more than £2,000, and will be different for Plans below that amount.
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. Source: Bloomberg.
|Investment Style||01/01/2013 - 31/12/2013||01/01/2014 - 31/12/2014||01/01/2015 - 31/12/2015||01/01/2016 - 31/12/2016||01/01/2017 - 31/12/2017|
Firstly, our experts designed and built an efficient online investment system.
Then, we programmed it with some clever algorithms based on a proven investment theory, known as the Sharpe Ratio. Professor William Sharpe is a Nobel Prize-winning Stanford academic and he knows a thing or two about investing.
Every day our system collects data from across global financial markets. Using technology allows us to keep costs down, which we pass onto you through lower fees.
Our experienced investment team use this information to oversee everything and make the best investment decisions. We rebalance your plan, if needed, to ensure it's still on track.
And if there's any turbulence in the markets, we automatically switch some of your investments to less risky assets, like cash, to protect them. Our aim is to make sure your investments take full advantage of the good times and are sheltered from the bad.
Extremely easy to use, loads of information available although you cant change it - but, thats the point. Fees are a little high for a robo-investor in my opinion but overall its a great service, great staff and feedback, the phone app just works and shows all you need.
Really happy !!! Ease of use and choice for different investments
so far so good. keep up the good work!
So many things - great designed front end, that gives clarity to my investments and their underlying performance; the fees, or lack thereof, as this is a major barrier to investing that is a serious challenge to overcome compared to a traditional stockbroking platform and prompt customer service when I've had to interact with the team!
Great customer support. Affordable service. Excellent platform. Hassle free registration and investment process. Overall, I'm very happy.
Return I want
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