Wealthify will help build a plan based on which investment style suits you, from cautious to adventurous. Wealthify then builds and manages an investment plan on their behalf. I wish for a dark theme on the app and for them to expand into a Freetrade-style business. Enjoy the rest of your week. If you have some money to gamble with I think it's a good risk. You can even choose different investment styles for each Plan. The value of your portfolio can go down as well as up and you could get back less than you put in. We calculate your returns using the ‘Time-Weighted Rate of Return’ (TWRR) method, which is widely used within the investment management industry. market spread – the difference between the price the firm buys and sells investments. Covid-19 and the consequent lockdowns have had serious repercussions on the economy and global stock markets. Traditional investing services can be associated with high costs and hidden charges, but at Wealthify we make the cost of investing clear and affordable. With investing your capital is at risk and you could get back less than you put in. We don’t offer cash ISAs, Innovative Finance ISAs or Lifetime ISAs. No, that’s what we’re here for. Learn more about ARC Indices. The tax treatment of your investment will depend on your individual circumstances and may change in the future. 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. Adjust the sliders or don't invest as an ISA. Investing ethically has never been easier! 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. Yes, you will always own the underlying funds in your Wealthify Plan. As with all investing, your money is at risk. And our fund selection follows strict criteria to ensure we only include best-in-class funds in both our Original and Ethical Plans. Anything over £500,000 costs the same, but you get a dedicated investment advisor with ongoing portfolio monitoring. Share. A personal pension is a great way to complement your workplace pensions by having more flexibility over how you contribute and invest. You should seek financial advice if you are unsure about investing. 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. Wealthify Customer Agreement . General portfolios, ISAs, Junior ISAs and Pensions are all supported by both services. Wealthify offers an easier approach. 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. It has changed our focus from life, to the … As with all investing, your money is at risk. There is no master fund into which your money is invested, as you’ll find with some services. 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. Transfer an existing ISA . Y, ou’ll only pay us a simple management fee of 0.6% per annum. 11/05/2018 . Learn more about the different adjustments we make to your Plan. The custodian of our Pension products is Embark Pensions, who are part of the Embark Group – the UK’s fastest-growing digital retirement platform. Just clear fees, and investment styles to suit your needs. In a nutshell: Swapping or changing one of the funds that makes up your Plan. In a nutshell: Maintenance on your Plan to make sure it matches your chosen risk level. This is an advantage for you, as it means you can see exactly what we are buying and selling for your Plan. Wealthify is a popular UK Robo-advisor investment platform who invest in a range of ETF’s in a semi-managed way. The platform uses a style of investing known as passive investing. Both offer socially responsible and environmentally focused investment options – Wealthsimple call it socially responsible investing. These changes could be to the regions you’re invested in, the investment types you hold, or both. That said, every transaction appears in your Wealthify dashboard so you can monitor it there if you wish. Styles to suit your needs y, ou ’ ll make adjustments to your Plan the management work we.. The regions you ’ ll find with some services as a guide, not a guarantee investing. 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