ESG - responsible investing.

Invest in the world you want with a socially responsible and ethical portfolio. Use your money to support change while finding new opportunities for growth and diversification.

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Investing that fits with your worldview.

Our socially responsible portfolios are made up of investments that prioritise environmental, social, and corporate governance factors (ESG). Essentially, we’re talking about investing in companies committed to operating responsibly and sustainably, while seeking to make a positive impact on society and the planet.

By choosing a socially responsible portfolio, you can invest in a way that reflects your values and views, without sacrificing the potential for long-term growth. Join the movement towards a brighter future with a socially responsible portfolio.

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Know your impact.

Moneyfarm’s socially responsible portfolios are designed using funds invested in some of the most forward-thinking and impactful companies in the world – along with many others committed to improving their footprint. MSCI data helps us check ESG funds containing thousands of different assets, so we’re confident that they meet our funds' strict criteria.

Here’s how our mid-range ESG portfolio measures up.

Average carbon emissions
42.3%
Lower*
Relative to revenues and compared to companies in a non-ESG portfolio
.

How our pricing works.

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Actively managed

0.45%

Actively managed

0.20%

Actively managed

0.10%

Platform fee

The platform fee applies to all Wealth assets combined. VAT included where applicable.

All managed portfolios (Min £1.25/month)

0.25%

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Invest according to your goals.

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The Information may only be used for your internal use, may not be reproduced or redisseminated in any form and may not be used as a basis for, or a component of, any financial instruments or products or indices. Further, none of the Information can in and of itself be used to determine which securities to buy or sell or when tobuy or sell them. None of the ESG Parties shall have any liability for any errors or omissions in connection with any data herein, or any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages.

Additional references

United Nations Global Compact

Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

United Nations Global Compact

100%

Compliance*

Covers climate, working conditions, diversity, corruption and more

Labour laws

100%

Compliance*

Includes prohibition of child labour, unfair discrimination, forced labour and more

Although Moneyfarm’s information providers, including without limitation, MSCI ESG Research LLC and its affiliates (the “ESG Parties”), obtain information (the “Information”) from sources they consider reliable, none of the ESG Parties warrants or guarantees the originality, accuracy and/or completeness, of any data herein and expressly disclaim all express or implied warranties, including those of merchantability and fitness for a particular purpose. more information

No fees

Fixed Allocation

0.15%

Liquidity+

0.05%

International Labour Organisation

Investment risk refers to the potential for your investments to fluctuate in value. This can mean gains, but it can also mean losses. It’s the trade-off for seeking higher returns over time.

Managing Risk

At Moneyfarm, we work with you to tailor investments that match your financial goals, risk tolerance, and time horizon. Diversification is key: spreading investments across asset classes can help manage risk.

Past and Future Performance

Past Performance: Historical returns are not a guarantee of future outcomes.
- Simulated Performance: Any projections are illustrative and not reliable indicators of actual results.
- Future Performance: Forecasts are speculative and should not be relied upon as guarantees.

How Risk Varies by Product

We offer a range of investment options, each with unique risks:

Stocks and Shares ISAs: While offering tax efficiency, these are subject to market risk and the potential for capital loss.
Junior ISAs (JISAs): Funds are locked in until the child turns 18, and investment values may fluctuate over time.
Self-Invested Personal Pensions (SIPPs): Contributions and withdrawals have tax implications, and pension funds can decrease in value.
General Investment Accounts (GIAs): Flexible but exposed to market volatility and tax on gains.
Share Investing (Brokerage Accounts): Investments in individual stocks or shares carry high market risk, as prices can be volatile and are influenced by company performance and broader market conditions. Diversification is essential to help manage this risk.

Types of Investment Risk

Capital Risk: The value of your investments may decrease, meaning you could get back less than you invest.
- Market Risk: Prices of investments can fluctuate due to market conditions, economic changes, or global events.
- Inflation Risk: If your returns don’t outpace inflation, your buying power may decline over time.
- Liquidity Risk: Some investments may be harder to sell quickly without affecting their value.
- Performance Risk: Returns can vary between funds, even with similar objectives, depending on the strategy and market conditions.
- Interest Rate Risk: Changes in interest rates can impact investment returns, particularly for bonds and fixed-income securities.

Your Role as an Investor

Understanding your risk tolerance and financial objectives is crucial. Holding your investments over the long term can help mitigate short-term market fluctuations.

Firm Failure & FSCS Protection

Moneyfarm is a FCA regulated investment firm and it is required to ring-fence all your money, which means legally binding agreements ensure that your money belongs to you and cannot be accessed or used by us, the bank or anyone else, even in the event of firm failure. In addition, as an investment firm, in the unlikely event of our collapse due to mismanagement or insolvency, if we are unable to return funds or assets, the FSCS covers losses up to £85,000 per person. Further information about FSCS protection is available here."

Stocks and Shares ISA

General Investment

Managed GIA

General Investment
Managed GIA

Frequently asked questions.

How does Moneyfarm ensure that ESG requirements are met in the portfolio?

There is no single definitive set of ESG requirements. Moneyfarm has built an ESG investment strategy with a clear ESG ETF selection process, which consists of analysing the construction methodology of the ETF among other things. Also, we analyse the final exposure of the portfolio to different ESG metrics. For more information please look at our investment process.

Are Moneyfarm’s ESG portfolios tailored for different risk levels?

Yes. ESG portfolios range from 2% to 14% in terms of target volatility, in order to cover most of the risk profiles of our customers.

Are the ESG portfolios made using ETFs? Will they have the same asset class diversification as non-ESG portfolios?

All Moneyfarm portfolios are made with well diversified, top quality ETFs. The asset classes of the ESG portfolios are similar to that of non-ESG portfolios, with some caveats. Every adjustment was made by looking at the financial properties of the portfolios with the aim to control risk and return.

Does ESG allow for sufficient diversification?

Like standard Moneyfarm ISAs, our ESG portfolios are composed of a large number of companies, are globally exposed and are exposed to a large number of asset classes (bonds, equity etc.). In this way, we are still able to create effective diversification.

How will an ESG portfolio perform relative to a non-ESG portfolio?

Moneyfarm ESG portfolios are aimed to help investors to build their financial future in the same way as non-ESG portfolios. For this reason, in the portfolio construction process, Moneyfarm aims to reach the same level of risk / return attributes for ESG and non-ESG.

Can I have an ESG pension?

Yes, Moneyfarm customers will be able to open a SIPP made up exclusively of ESG investments.

Is ESG be available as an ISA?

Yes, Moneyfarm customers are able to open an ISA made up exclusively of ESG investments.

What is included/excluded from the annual fees and costs?

Moneyfarm’s simple charging structure means you pay two ongoing charges on your investments, our management fee and the fund charge.

Management fees are charged based on the value of your account, rather than per portfolio, so by consolidating your investments you can benefit from a potentially lower management fee. The management fee covers all charges related to managing your investments and is the largest part of the total costs of investing. In the traditional wealth management industry, it can often be difficult knowing exactly how much you pay for your investments. At Moneyfarm we believe it’s crucial this is transparent for our investors.

Fund costs are not included in the annual management fee and won’t appear as a charge, instead these are factored into the performance of your investment. The average fund charge is 0.2% per annum at Moneyfarm. The market spread effect also impacts your investments. This is a characteristic of trading on the financial markets and represents the difference between bid and ask (buying and selling) prices for an investment at a specific time. This can be 0.10% at Moneyfarm (assuming the average between our Classic and ESG allocations, we sell 40% of the assets in your portfolio and replace them with new assets during the year), but you’ll always see the real price you buy and sell assets at. You can find out how much you would pay on our pricing page.

ESG - responsible investing.

Investing that fits with your worldview.

Know your impact.

Average carbon emissions

42.3%

How our pricing works.

Platform fee

Getting started is easy.

Answer a few simple questions.

Discover your perfect portfolio.

Invest according to your goals.

United Nations Global Compact

100%

Labour laws

100%

Frequently asked questions.