If you have any queries or concerns about the risks involved with investing it is best to seek advice from a financial advisor. Like all stocks and shares you are taking a risk, this investment has ridden the recent crashes. We'll do the rest, from picking the right investments to managing your Ethical Plan on an ongoing basis I’ve set up a Direct debit to invest regularly and looking forward to the results! It is fairly cautious with around 56% of the assets in low-risk investments such as cash and bonds while 40.23% is invested in equities. Take a look at our, Yes, you can build as many Plans as you like. We’ve created five investment Plans – from Cautious to Adventurous – so you can choose a level of risk that’s right for you. We’re using active (rather than passive) ethical funds in our plans, so-called because they are ‘actively’ managed to ensure that the investments within maintain the high ethical standards required. Wealthify then builds and manages an investment plan on their behalf. If you have some money to gamble with I think it's a good risk. Higher-risk Plans will include more shares. Markets have ups and downs and over time, if left unchecked and unchanged, your Plan may begin to look a bit different from what you signed up for. 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. There are three types of changes that our Investment team make to your Plan: Here’s a quick guide to help you understand how each of these changes works and the type of situations each are used for. This document defines the use of our Services and your relationship with Wealthify. Investing ethically has never been easier! Traditional investing services can be associated with high costs and hidden charges, but at Wealthify we make the cost of investing clear and affordable. There is no master fund into which your money is invested, as you’ll find with some services. You may not see the issue, but because of shares performing better than bonds, your risk level has increased, and your Plan will be subject to greater fluctuations. This partnership will allow users to track their investments, credit, and saving accounts in real t ime. With your Wealthify Plan, you hold a mix of investments, or assets. Find out more about what’s in each of these Plans by downloading the Plan Factsheets below. Share. Set out below are important summary points of using Wealthify and our services. Your selections will exceed your annual ISA limit of £20,000. Five investing styles for Junior ISA, ISAs, SIPP and GIAs, letting you choose a level of risk you're happy with. Some people prefer to keep their money all in one pot, others will prefer to split it into separate savings pots - Wealthify lets you do either. Our aim is to add value to your Plan by dynamically managing it rather than having a fixed allocation with no adjustments made for changing market conditions. Wealthify Limited is authorised and regulated by the Financial Conduct Authority (, https://www.wealthify.com/blog/why-we-rebalance-and-how-it-works. You should seek financial advice if you are unsure about investing. It’s a low risk asset, so the return on cash is typically low, but it’s a good way to help protect investors from losses if there’s an indication that markets might lose value. Affordable investing Start with a lump sum or whatever you can afford – starting from £1. 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. This is something we do on a regular basis, and it’s simply part of the management work we offer. All you need to do is decide how much you want to invest, choose your investment style, and select the 'Ethical' option. Investments above £100,000 have a 0.5% fee plus additional charges at an average of 0.2%. If you want to know more about our fund selection process, we explain everything in this blog: The Wealthify Way to Fund Research. market spread – the difference between the price the firm buys and sells investments. Cash is a type of investment (or asset) itself. Now let us explain why we rebalance. It is important to remember that with investing, returns are not guaranteed. We use ARC Private Client Indices as the benchmarks for the majority of our Plans, rather than an index such as the FTSE 100, because we feel it more closely matches the type of diversified investment plans that Wealthify offers. The fees are reasonable and the service just works. 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. Our Investment team spends countless hours screening funds based on their holdings, checking whether they’re suitable for our Plans, assessing the offering, engaging with fund managers, and reviewing the funds we’re already using. The mix of funds will change over time and depends on your attitude ... 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. The platform uses a style of investing known as passive investing. These summary points are for your reference only and you should read all the documents before you proceed. how much your money has grown) because it ignores any cash deposits or withdrawals you might have made in the meantime. You've already flagged this Reply from Wealthify. Our experts use the market information along with their own their knowledge and experience, to make small adjustments to the mix of funds in your investment plan, where appropriate. The amount of cash and cash equivalent assets in your plan will depend on the level of risk you choose and will be adjusted periodically in response to market movements. We list the assets you own in the Plan detail screen, found in your dashboard and we send you a transaction receipt for every purchase and sale – so you always know where your money is. However, it may take a couple of extra days for the investments to show on your dashboard, due to the investing process. If you’re investing with us, you probably know that we have a team of investment experts that monitor markets and manage your investments on an ongoing basis. Both Wealthsimple and Wealthify allow you to invest in a range of products. Simple transfer We’ll help you move your money from an existing Child Trust Fund or JISA into a Wealthify JISA. As our experts … 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. Since financial markets are always changing, we’ll make adjustments to the mix of investments in your Plan from time to time. 11/05/2018 . Whatever you decide, you can rest assured that there’s no additional charge for creating more than one Plan. As with all investing, your money is at risk. We don’t offer cash ISAs, Innovative Finance ISAs or Lifetime ISAs. Easily transfer existing Cash and Stocks & Shares ISAs to Wealthify With Wealthify there's no minimum investment, and you can withdraw anytime without penalty Start an ISA . It’s important to remember that benchmarks and predictions are never perfect and past performance is not an indicator of future growth. Wealthsimple vs Wealthify: Summary. And our fund selection follows strict criteria to ensure we only include best-in-class funds in both our Original and Ethical Plans. The mix of funds and investments in your Plan will depend on your attitude to risk. We automate certain parts of the investment process, like monitoring how well global markets are performing, using computers programmed with algorithms (mathematical formulas). Yes, you can build as many Plans as you like. The opposite is also true for why we may choose to increase a region’s allocation in your Plan. These changes could be to the regions you’re invested in, the investment types you hold, or both. Plus, an instant 25% tax relief top up. Transfer an existing ISA . 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. Track your investments' performance on Wealthify's investment dashboard - online or in app - and see where your money is invested. Easy to use Easy to use, consistent performance and transparent Useful. All you need to be is the registered contact for the account. Take a look at our ISA page for more information. 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. Both offer socially responsible and environmentally focused investment options – Wealthsimple call it socially responsible investing. a. You’ll only pay us a simple management fee of 0.6% per annum. The value of your portfolio can go down as well as up and you could get back less than you put in. As with all investing, your money is at risk. Wealthify investment manager Andrew Amy has quit the Welsh robo-adviser to focus full-time on a horse-trading app he has launched. We charge a simple annual fee of 0.6% for managing your investments. The platform does not engage in active trading, nor can you buy and sell shares through Wealthify. This is an advantage for you, as it means you can see exactly what we are buying and selling for your Plan. The combination of funds we use depends on which investment style you choose and how we decide to balance your plan. Wealthify Limited is authorised and regulated by the Financial Conduct Authority (, No, that’s what we’re here for. 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. 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. We publish our benchmarks in the valuations we send to all customers, to give you something to compare the performance of your plan against. Covid-19 and the consequent lockdowns have had serious repercussions on the economy and global stock markets. Available online or via app, customers simply choose how much they want to invest and their preferred investment style, including ethical options. For our Cautious Plan, we use the Consumer Price Index (CPI), which is the UK’s main measure of inflation, or the speed at which the prices of goods and services bought by households rise and fall. There is currently no facility for this, but there may be in future. Capital is just another way of saying 'the money you invest'. You only need to tell us your investment style and how much you want to invest, and we do everything else. You can access and withdraw your money 24/7, although it’s worth remembering that making regular withdrawals will affect how quickly you reach the investment goals you set when you created your plan. But the level of risk you’re taking also depends on what’s happening in the markets, and this is what drives our Plan weight changes. Wealthify will help build a plan based on which investment style suits you, from cautious to adventurous. It has changed our focus from life, to the … Wealthify charges a flat rate of 0.6% on your investment amount, plus fund fees of around 0.22% (0.66% for ethical investing). The wealthify lifestyle program required that we stop and actually think beyond the “lifestyle” that we were stuck in. That said, every transaction appears in your Wealthify dashboard so you can monitor it there if you wish. Why invest in one company, when you can invest in them all? Plus, an instant 25% tax relief top up. Anything over £500,000 costs the same, but you get a dedicated investment advisor with ongoing portfolio monitoring. A personal pension is a great way to complement your workplace pensions by having more flexibility over how you contribute and invest. That’s the essence of passive investing. The Indices are based on real performance numbers from hundreds of other Plans. If our experts find better funds because either due to lower costs for the same product or by finding funds that are more aligned with our values for our Ethical Plans, for example, then they will adjust the funds held in your Plan. It charges 0.7% on investments up to £15,000, 0.6% on investments between £15,001 and £50,000, 0.5% on investments between £50,001 and £100,000 and 0.4% on investments over £100,000. At Wealthify, we use investment funds to build your Plan – think of them as hampers containing many different investments from one or various regions. Reply. The tax treatment of your investment will depend on your individual circumstances and may change in the future. All your investments in our ISAs and General Investment Account products are held with our custodian bank, Winterflood Securities, a global financial services provider and part of Close Brothers Group, who have been trading for more than 130 years. Our experts use a range of passive investment funds, like Mutual Funds and ETFs to build your plan. Investment style is the way that a portfolio's investments are chosen so that it meets a particular orientation. Common styles can be distinguished from … 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. After filling in some personal details, you tell Wealthify how much you have to invest, your financial goals and attitude to risk. This method shows the actual performance of your plan, including the effects of when you added or withdrew money from your plan. When you choose an investment style, be that Cautious or Adventurous, your level of risk is worked out by the portion of shares, bonds, property, and other investments that make up your Plan. Low risk Plans will contain a higher percentage of low-risk investments like bonds. 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. There’s always a risk with investing that you might not get back everything you put in. Wealthify charges based on how much you invest, this is called “tiered charging”. 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. Fully Managed Portfolios. You can see from the screenshot that I went for a 'confident' investment style, or in other words Wealthify's medium risk portfolio. For instance, if a region is underperforming and on reflection seems likely to or has significantly outperformed, our Investment Team may decide to sell holdings from that particular part of the world. This is the most transparent way to show you your actual return (i.e. Wealthify vs Moneybox: Costs. On request, we can show you your return calculated by another method, called the ‘Internal Rate of Return (IRR)’. 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. Use the sliders and choose an investment style to see how much your money could grow. As an investor, it’s important to understand that stock markets have good periods and bad periods and that you shouldn’t panic at first sight of a bad period. We calculate your returns using the ‘Time-Weighted Rate of Return’ (TWRR) method, which is widely used within the investment management industry. Here are the benchmarks we use for each of our five Investment Styles. Yes, you will always own the underlying funds in your Wealthify Plan. , and programmed our automated investment system with algorithms (mathematical formulas) that build your Plan based on what you tell us your goals are. This information will help Wealthify match you to an investment style – cautious, tentative, confident, ambitious or adventurous. What’s more, you can choose an ethical investment plan if that matches your values. So, to correct this drift, we rebalance your Plan every three months - if you want to know more about rebalancing, make sure you check out our blog about it: https://www.wealthify.com/blog/why-we-rebalance-and-how-it-works. General portfolios, ISAs, Junior ISAs and Pensions are all supported by both services. Easy access Your money’s not locked away – withdraw your cash without any penalty. You can withdraw your money or add to it anytime without penalty. Our straightforward process makes it easier to get started or transfer your pensions to Wealthify, giving you a much clearer view of your future. It is of course impossible to predict the future, so the projections should only be taken as a guide, not a guarantee. So Wealthify uses a mix of smart algorithms and human expertise to make sure your plan stays on track. 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. Launched in April 2016, Wealthify provides a simple approach to investing. Here’s an explanation about Time Weighted Rate of Return. The Financial Services Compensation Scheme may also cover the first £85,000 of your investments, however, it’s essential to understand that the FSCS doesn’t cover you if your investments do not perform as expected and you get back less than you originally invested. Y, ou’ll only pay us a simple management fee of 0.6% per annum. See the below sections for a detailed comparison of these two investment offerings. Yes, if you are a UK resident (England, Wales, Scotland or Northern Ireland) you can use all, or part of your annual, savings allowance of £20,000 (current tax year) to invest in a Stocks and Shares ISA with Wealthify. It is separate to a workplace pension or the state government-funded pension. We don’t offer cash ISAs, Innovative Finance ISAs or Lifetime ISAs. Wealthify Customer Agreement . They are improving many aspects like decreasing time for funds to arrive and showing more helpful alerts. Share. You can even choose different investment styles for each Plan. Just clear fees, and investment styles to suit your needs. 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. The custodian of our Pension products is Embark Pensions, who are part of the Embark Group – the UK’s fastest-growing digital retirement platform. The ARC Private Client Indices are a peer group benchmark which show how other companies’ investment styles have performed. I am recommending Wealthify to my wife and friends. Essentially, Wealthify will invest your money in a set of ETFs and then leave it alone. They’ll help you choose an investment style that suits you best, and then put your money to work. It’s a cheap, cost-effective style that is also a gateway for newcomers to get into investing and learn what it’s all about. As our experts are constantly monitoring the markets, we’ll make changes to your Plan, when needed and considering your risk level to ensure your money is still working as hard as you do.. As with most investments, small additional costs can be incurred through the investing process and vary from time to time. You should seek financial advice if you are unsure about investing. When you choose an investment style, be that Cautious or Adventurous, your level of risk is worked out by the portion of shares, bonds, property, and other investments that make up your Plan. I wish for a dark theme on the app and for them to expand into a Freetrade-style business. You should think of investing as a long-term prospect, and remember that markets will generally see growth over the long-term. You only need to tell us your investment style and how much you want to invest, and we do everything else. 05/05/2018. Yes, if you are a UK resident (England, Wales, Scotland or Northern Ireland) you can use all, or part of your annual tax-efficient savings allowance of £20,000 (current tax year) to invest in a Stocks and Shares ISA with Wealthify. Please reduce your investment so it doesn't exceed the Junior ISA allowance of £9,000. Simply choose the investment style that suits you best, from cautious to adventurous. By doing this we can make timely and necessary adjustments to your Plan to keep everything on track and maximise your potential returns. Fund charges and transaction costs also apply – find full details on our fees page. Wealthify is offering a Self-Invested Personal Pension, or SIPP, which is a pension you personally set up and contribute to. Reply. Whatever you decide, you can rest assured that there’s no additional charge for creating more than one Plan. Team Wealthify. It’s all fine until shares start outperforming bonds, and your initial split could move to 80/20 in favour of shares as their value increases relative to bonds. There is risk associated with investing and you could get back less than you initially invest. As with all investing, your money is at risk. Our Nutmeg investment review found that Nutmeg’s UK robo advisers come with two separate investment styles and pricing scales. You should be able to set up a ISA or general investing account in 10 minutes or so via their website. Wealthify is a popular UK Robo-advisor investment platform who invest in a range of ETF’s in a semi-managed way. The tax treatment of your investment will depend on your individual circumstances and may change in the future. But the level of risk you’re taking also depends on what’s happening in the markets, and this is what drives our Plan weight changes. In a nutshell: Maintenance on your Plan to make sure it matches your chosen risk level. And you can put your money into both Original and Ethical plans as you see fit. What is a General Investment Account? 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. We talk about ‘rebalance’ when we trade (buy some investments and sell others) to make sure the risk balance of your Plan stays in line with the investment style you’ve selected. Our weekly homework assignments required us to stop and give great thought to our present situation as well as our hopes and dreams. Say, you’re a Confident investor with a medium-risk Plan where there’s a 50/50 split between shares and bonds. Digby 5 reviews. Winterflood Securities and Embark both hold your assets separately (ring-fenced) from Wealthify, so  even if we went into administration, our creditors would not have a claim to your investments. Adjust the sliders or don't invest as an ISA. For any changes we make to your Plan, we will always let you know via email, and if you have any questions, please feel free to contact us on 0800 802 1800 or via Live Chat. Read our latest news and gain insights in our blogs and articles by signing up to our monthly newsletter. Fund charges and transaction costs also apply – find full details on our, an explanation about Time Weighted Rate of Return. The recent platform changes by Wealthify which allow users to quickly and easily change investment style and also park cash are hugely helpful features! Wealthify has been a great investment management system so far. For more information visit https://www.fscs.org.uk/. With your Wealthify Plan, you hold a mix of investments, or assets. This is more cost-effective than having highly-paid fund managers do it and we pass those savings onto you. Wealthify is an independently run subsidiary of Aviva and boasts numerous consumer, FinTech, and investment award … No, that’s what we’re here for. With investing your capital is at risk and you could get back less than you put in. We typically invest your money within two working days of receiving it. We continue to work hard with your money and to deliver the simple investing approach that we have always set out to do. Wealthify offers an easier approach. Overall Wealthify offers newcomers and experienced investors a way to invest without having to worry about what you’ll invest into. You should seek financial advice if you are unsure about investing. Wealthify is a robo advisor platform that automatically invests your money on your behalf. The value of your portfolio can go down as well as up and you could get back less than you put in. Wealthify, which was launched in Cardiff in 2016, offers investors access to one of five low-cost investment plans through Isas and general investment accounts for just £1. To do this, you need funds like ETFs and Mutual Funds (known as passive investment vehicles). Wealthify aims to ‘keep these as low as possible, around 0.22% for original plans and 0.66% for ethical plans’, which takes the total yearly cost to 0.82% or 1.26% on average. Learn more about the different adjustments we make to your Plan. Learn more about ARC Indices. The pool of funds will also change from time to time. Enjoy the rest of your week. You can even choose different investment styles for each Plan. Yes, they are. Some people prefer to keep their money all in one pot, others will prefer to split it into separate savings pots - Wealthify lets you do either. The value of your portfolio can go down as well as up and you could get back less than you put in. The Wealthify investment approach Needless to say, the last nine months were eventful, and we hope that you have managed to stay safe during these turbulent times. The tax treatment of your investment will depend on your individual circumstances and may change in the future. Please remember the value of your investments can go down as well as up, and you could get back less than invested. We’re not a fully-automated investment service. We very much appreciate the 'well done' too, it truly means a lot. In a nutshell: Swapping or changing one of the funds that makes up your Plan. By following the program, our knowledge of finance and business increased exponentially. You can also open more than one investment plan – each with different plans for different personal finance goals. Our investment team have pre-selected a range of. These provide a really helpful level of granular control to steer how my money is being used by Wealthify, so a great addition - they definitely listen to their customers :) Useful. In a nutshell: Changing the percentage amount for different types of investments in your Plan. As we show in our Wealthify review, they’ve used the power of analytics and algorithms to create five different investment options based on consumer’s attitude to risk and have made some solid profits from working in this way. ( i.e and showing more helpful alerts your reference only and you could get back less you! Currently no facility for this, you hold a mix of investments your. S a 50/50 split between shares and bonds does not engage in active trading, can. 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