Built by experts
Fixed allocation portfolios are expertly built by our experienced Asset Allocation team.
Fixed allocation.
Our fixed allocation strategy offers you a simpler management style and a globally diversified portfolio, all at an affordable cost.
Let's get startedFixed allocation.
Our fixed allocation strategy offers you a simpler management style and a globally diversified portfolio, all at an affordable cost.
Let's get startedA simple, cost-effective approach to investing.
Built by experts
Fixed allocation portfolios are expertly built by our experienced Asset Allocation team.
Low-cost investing
With only one portfolio rebalance per year from our expert investment team, we’re able to offer a managed style at a more affordable cost.
Left alone to grow
With a passive, hands-off approach your investments are free to move in line with the markets.
Socially responsible
You have the option to invest in a socially responsible portfolio that prioritises environmental, social and corporate governance (ESG) factors.
You're in control
Get startedYour money is available and accessible. You’re able to withdraw and reinvest over the duration of the tax year with no penalties.
What’s the difference between fixed allocation and active management?
Our fixed allocation portfolios, built with the same cost-efficient ETFs as our actively managed portfolios, provide a simple, cost-effective way to achieve global diversification. You still benefit from the continuous support of our investment consultants and our user-friendly app. It’s an ideal strategy if you prefer a hands-off, consistent investment approach with fewer interventions.
On the other hand, our actively managed portfolios give you a more curated experience and more oversight from our Asset Allocation team, who will work to keep your investments in line with your risk profile while seeking out the best investing opportunities in the market.
| Feature | Active management | Fixed allocation |
|---|---|---|
| Socially responsible portfolios | Yes | Yes |
| Easy-to-use app | Yes | Yes |
| Dedicated consultant | Yes | Yes |
| Ongoing expert risk management | Yes | No |
| Strategic portfolio rebalancing on market opportunities | From 0.35% | From 0.25% |
| Risk levels | 7 | 5 |
Everything we offer, with transparent pricing.
Everything we offer, with transparent pricing.
We all have different goals in life. Whether you’re saving for a dream holiday home, building a retirement nest egg, or putting some money aside for your children’s university fees – we’ve designed investment solutions to meet a wide variety of needs.
We all have different goals in life. Whether you’re saving for a dream holiday home, building a retirement nest egg, or putting some money aside for your children’s university fees – we’ve designed investment solutions to meet a wide variety of needs.
Stocks and Shares ISA
Invest up to £20,000 every year with tax-free growth. Choose an expertly managed portfolio or build your own with a Share Investing account.
Discover ISA ❯General Investment Account
Get more choice and more opportunities with our General Investment Account. Make unlimited contributions, get quick access to your money and even open different portfolios for different goals.
Discover GIA ❯Junior ISA
The earlier you start investing for your child, the more time you give their wealth to grow. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.
Discover JISA ❯Pension
Retire your way, with an expertly managed pension tailored to your needs and goals. Enjoy up to 45% tax relief, free pension drawdown, and expert guidance when you need it.
Discover Pension ❯Tax treatment depends on your individual circumstances and may be subject to change in the future.
Stocks and Shares ISA
Invest up to £20,000 every year with tax-free growth. Choose an expertly managed portfolio or build your own with a Share Investing account.
Discover ISA ❯General Investment Account
Get more choice and more opportunities with our General Investment Account. Make unlimited contributions, get quick access to your money and even open different portfolios for different goals.
Discover GIA ❯Junior ISA
The earlier you start investing for your child, the more time you give their wealth to grow. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.
Discover JISA ❯Pension
Retire your way, with an expertly managed pension tailored to your needs and goals. Enjoy up to 45% tax relief, free pension drawdown, and expert guidance when you need it.
Discover Pension ❯Tax treatment depends on your individual circumstances and may be subject to change in the future.
Pricing.
Pricing.
FROM £500
0.45%
FROM £100K
0.35%
FROM £250K
0.30%
above £500K
0.25%
Minimum investment £500
Annual average investment fund fee: 0.15%
Annual average effect of market spread : 0.02%
Annual average investment fund fee: 0.15%
Annual average effect of market spread : 0.02%
If you invest £15,000 in a globally diversified portfolio, you’ll pay:
If you invest £15,000 in a globally diversified portfolio, you’ll pay:
| Fee | Annual % | Annual £ |
|---|---|---|
| Moneyfarm fee | 0.45% | £67.50 |
| Underlying fund fee | 0.15% | £22.50 |
| Market spread* | up to 0.02% | £3.00 |
| Total | 0.62% | £93.00 |
| Fee | Annual % | Annual £ |
|---|---|---|
| Moneyfarm fee | 0.45% | £67.50 |
| Underlying fund fee | 0.15% | £22.50 |
| Market spread* | up to 0.02% | £3.00 |
| Total | 0.62% | £93.00 |
*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 0.02% at Moneyfarm (assuming the average between our Classic and ESG allocations, we sell 20% 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.
Getting started is easy.
Getting started is easy.
Answer a few simple questions
Discover your perfect portfolio
Invest according to your goals
Answer a few simple questions
Discover your perfect portfolio
Invest according to your goals