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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 may 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. Always bear in mind, the value of your investments can go down as well as up.
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.
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 29th February 2016 and 29th March 2024, after all fees have been taken (based on 0.60% Wealthify management charge). These figures are based on the performance of Plans worth more than £100, and will be different for Plans below that amount.
Original
Ethical
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 | 29/03/2019 - 29/03/2020 | 31/03/2020 - 31/03/2021 | 31/03/2021 - 31/03/2022 | 31/03/2022 - 31/03/2023 | 31/03/2023 - 31/03/2024 |
|---|---|---|---|---|---|
| Cautious | 2.00% | 2.90% | -2.10% | -6.40% | 2.50% |
| Tentative | 0.20% | 8.70% | 0.40% | -6.10% | 5.20% |
| Confident | -1.70% | 14.50% | 2.90% | -5.70% | 8.00% |
| Ambitious | -4.60% | 20.70% | 5.50% | -5.00% | 11.10% |
| Adventurous | -7.50% | 27.40% | 8.00% | -4.90% | 14.50% |
Simulated Past Performance
This shows the performance of our full range of Ethical Plans, from Cautious to Adventurous, between 28th February 2018 and 29th March 2024, after all fees have been taken (based on 0.60% Wealthify management charge). These figures apply to plans of any value.
Original
Ethical
The above graph illustrates past performance for Ethical 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 | 29/03/2019 - 29/03/2020 | 31/03/2020 - 31/03/2021 | 31/03/2021 - 31/03/2022 | 31/03/2022 - 31/03/2023 | 31/03/2023 - 31/03/2024 |
|---|---|---|---|---|---|
| Cautious | 2.90% | 3.50% | -3.10% | -8.10% | 2.90% |
| Tentative | 1.10% | 9.60% | -1.60% | -7.10% | 5.60% |
| Confident | -0.50% | 16.50% | -0.10% | -6.20% | 8.40% |
| Ambitious | -2.80% | 24.00% | 1.40% | -5.30% | 11.50% |
| Adventurous | -5.00% | 32.00% | 2.60% | -4.50% | 14.90% |
How we invest your money
Firstly, we take a long-term view of the world, considering a number of important factors to decide where best to invest.
To help our experts make this decision we use smart algorithms as well as good old-fashioned, human brainpower.
Whilst investing is a long-term game, sometimes big events can rock the boat in the short term.
Our experts constantly watch out for these events - some predictable, and some not - and they make changes to your plan to try and lessen their impact.
We call this rebalancing and we do it to ensure the optimal mix of investments and keep your Plan on track.
Our aim is to make sure your investments take full advantage of the good times, and are sheltered from the bad.
Our investment strategy
Read about our current investment outlook, and see what we are investing in and why.
View our investment outlookLearn about Wealthify's investment philosophy and how our investment decisions are made.
DownloadTake a look at the fact sheets for each risk level, showing what's in each of these Plans.
DownloadLEARN MORE ABOUT HOW WE INVEST
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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.
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Can I pick stocks or choose what I invest in?
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No, that’s what we’re here for. We build your Investment Plan based on what you tell us about your attitude to risk with money, how much you have to invest, and by when you hope to reach your investment goals. Then we monitor your investments to make sure they’re on track.
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Can I monitor my investments?
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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.
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Is my money safe?
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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 and hold your cash securely and separately from their own. This means that if Wealthify went into administration, our creditors wouldn’t have a claim to your assets.
Here’s a simple breakdown of who holds the funds to each of our products:
INVESTMENT CUSTOMERS
General Investment Account
Your funds are held by Winterflood Securities Limited.Stocks and Shares ISA
Your funds are held by Winterflood Securities Limited.Junior ISA
Your funds are held by Winterflood Securities Limited.Self-Invested Personal Pension
Your funds are held by Embark Investment Services.Aviva and Wealthify are independently covered by the FSCS scheme, so a customer holding investments with both companies can be covered by the FSCS on each other their balances up to £85,000.
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.
SAVINGS CUSTOMERS
Instant Access Savings Account
Your funds are held by ClearBank Limited.Please be aware that all your eligible deposits in accounts powered by ClearBank are added together when determining your level of FSCS protection. Compensation is limited to a maximum of £85,000 per person, per banking licence. Visit the ClearBank website to see which other deposit providers have accounts using ClearBank's banking licence.
If Wealthify were to fail: ClearBank will continue to hold your funds and there would be no need for the FSCS to step in.
If ClearBank were to fail: you would need to make a claim via the FSCS where they will step in to protect your funds up to a maximum of £85,000.For more information about FSCS cover for savings products, visit the FSCS website.
For any other queries about FSCS cover with Wealthify, visit our dedicated FSCS Protection page.
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What returns am I likely to get and are they guaranteed?
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It is important to remember that with investing, returns are not guaranteed. There is risk associated with investing and you could get back less than you initially invest. To provide you with a sense of what you might expect from Wealthify’s risk-based investment styles, we do provide you with a prediction of performance when creating your Plan. Moody’s Analytics is an independent data provider, who assist in predicting what your Plan values could be in different market conditions over the period of time you plan to invest. It is of course impossible to predict the future, so the projections should only be taken as a guide, not a guarantee. Our investment team have provided factsheets for each investment style which outline their aims for each risk category and will give you an overview of what they are trying to achieve for you in each style. If you have any queries or concerns about the risks involved with investing it is best to seek advice from a financial advisor.