At the moment, Thematic Investing is only available to Moneyfarm clients who have a Stocks and Shares ISA or General Investment Account. You need at least £10k in your investment account to create a Thematic portfolio with growth themes. You must also choose an actively managed portfolio and accept a moderate to high risk level with a medium to long-term time horizon. If you already meet these criteria, you can choose to ‘Add themes’ to an existing portfolio in your Dashboard.

Our growth themes have been expertly-built, based on extensive research and analysis of current and future trends, as well as their potential impact on various industries and companies. You can select the growth themes that best align with your values and investing goals, confident that your risk is actively managed. 

Yes, you can invest in multiple themes at once. Or you can opt for the Multi-trend growth theme, which is made up of investments from each of the other themes – Sustainability, Technology, and Society.

There are four Moneyfarm growth themes to choose from – Technology, Sustainability, and Society – the fourth being the Multi-trend growth theme, which is a mix of all three. 

No, with Thematic Investing your portfolio may be exposed to short-term changes or sudden market movements so, to ensure the best possible return, you should opt for a medium to long-term strategy.

There are two levels of risk management, one based on the portfolio’s core component and the other based on each individual growth theme. The growth themes are already built to have a level of volatility not too far from MSCI World. Furthermore, each growth theme is re-evaluated every year.

Thematic Investing lets you target growth themes whilst keeping you true to your investor profile. To add growth themes to your portfolio, within your profile’s tolerance, you’ll move to a more adventurous risk level. However, you can feel confident knowing that your risk is actively managed.

There is no extra upfront cost for Thematic Investing. You just need to have the minimum amount of £10k in your investing account to add growth themes. Your Moneyfarm platform fee, which differs depending on how much you have invested, remains the same. However, with our growth themes, the underlying ETF fund costs are higher – ranging between 0.40–0.45%.

No, you can only invest up to 20% of your overall portfolio in Moneyfarm growth themes. 

To invest in Moneyfarm growth themes, you must first meet the minimum threshold requirement of £10k in your investing account. Then, to ensure a balanced level of risk, Moneyfarm will assign you a quota of 5%–20% of your overall portfolio that can be invested in your chosen growth themes.

Generally speaking, a growth theme refers to an area of the economy or market that is expected to go through high growth and expansion in the future. With thematic investing, the goal is to target these areas because there is the potential for higher returns in the long-term. 

In Moneyfarm Thematic Investing, a growth theme is a group of investments targeting areas with high growth potential. A growth theme can consist of several areas that are thematically linked. For instance, our Sustainability growth theme consists of ETFs – from different fund managers – targeting areas where there is high growth potential such as clean energy, clean water, and the circular economy.

Traditional investing often focuses on individual stocks or sectors, whereas Thematic Investing takes a more holistic approach, looking at broader, long-term trends that will affect the way we live and work – think climate change, new technologies like Artificial Intelligence, and even societal shifts resulting from aspects like ageing populations. Our growth themes target opportunities in each of these areas and more.