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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.
You can choose to invest your money in our Original or Ethical Plans.
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.
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.
We mostly use low-cost passive investments such as mutual funds (when a pool of money from multiple investors is used to buy assets). 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.
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 1st January 0001 and 2nd September 2024, after all fees have been taken (based on 0.60% 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.
The above graph illustrates past performance for Original Plans only. Even though the past performance data shown is simulated, it represents real transactions we've carried out for actual customer Plans across our five Investment Styles. Please remember that simulated past performance is not a reliable indicator of future performance.
The table below shows our actual past five-year performance for each of our Original investment styles.
Investment Style | 31/12/2018 - 31/12/2019 | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/09/2023 - 29/09/2024 |
---|---|---|---|---|---|---|
Cautious | 6.43% | 2.70% | 0.47% | -11.19% | 4.65% | 7.31% |
Tentative | 9.35% | 3.88% | 3.72% | -10.82% | 6.21% | 9.43% |
Confident | 11.93% | 4.87% | 6.66% | -10.33% | 7.76% | 11.65% |
Ambitious | 14.35% | 5.11% | 9.66% | -9.39% | 9.46% | 13.73% |
Adventurous | 17.09% | 5.06% | 12.75% | -9.14% | 11.35% | 15.76% |
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 30th September 2024, after all fees have been taken (based on 0.60% Wealthify management fee). These figures apply to plans of any value.
The above graph illustrates past performance for Ethical Plans only. Even though the past performance data shown is simulated, it represents real transactions we've carried out for actual customer Plans across our five Investment Styles. Please remember that simulated past performance is not a reliable indicator of future performance.
The table below shows our actual past five-year performance for each of our Ethical investment styles.
Investment Style | 31/12/2018 - 31/12/2019 | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/09/2023 - 29/09/2024 |
---|---|---|---|---|---|---|
Cautious | 7.90% | 4.14% | 0.73% | -14.93% | 4.80% | 7.42% |
Tentative | 9.74% | 6.45% | 4.11% | -15.65% | 6.85% | 9.21% |
Confident | 11.82% | 9.04% | 7.63% | -16.51% | 8.81% | 11.00% |
Ambitious | 14.13% | 11.16% | 11.18% | -17.42% | 11.08% | 12.63% |
Adventurous | 16.74% | 13.43% | 14.65% | -18.72% | 13.63% | 14.42% |
Read about our current investment outlook, and see what we are investing in and why.
View our investment outlookYour 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.
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.
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.
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.
Founded in 1975, Vanguard is a US-based investment management company holding over $3tn in assets under management. Vanguard is the largest provider of mutual funds and the second largest provider of exchange-traded funds (ETFs) in the world.
Standard Life Aberdeen plc is one of the world’s largest investment companies, created in 2017 from the merger of Standard Life plc and Aberdeen Asset Management PLC. Operating under the brand Aberdeen Standard Investments, they manage £505.1bn of assets.
Mercer is an industry leader in providing retirement and investment services, advising on $15 trillion of assets globally. It is also a global leader in the provision of investment funds and solutions with $304 billion of assets under management.
Founded in 1836 Legal & General is a major multinational financial services company with total worldwide assets exceeding $1tn. Based in London, they are listed on the London Stock Exchange and are a constituent of the FTSE 100 Index.
BlackRock, Inc. is a multinational investment management corporation based in New York City. Founded in 1988, BlackRock is the world's largest asset manager with over $4.5tn in assets under management.
iShares is the leading force in global exchange-traded funds (ETFs), with over $1tn invested and representing almost 40% of the world's total ETF assets under management. BlackRock has a proven track record in index-linked strategies aimed at maximising investor returns over the long term.
HSBC is one of the world’s largest banking and financial services organisations and was established in 1865 to finance trade between Europe and Asia. HSBC’s Global Asset Management division manage $470 billion in assets across 26 different countries in a network of close to 500 investment professionals.