What we say
Moneyfarm's investment guidance service gives you access to experienced investment professionals for a single fee. You can discuss a range of topics including how to achieve your financial goals or adapt your investments appropriately to life's changes.
Minimum investment is £500.
Their fees are a bit more complex than others - they have a tiered structure which gets cheaper the more you invest. Unlike traditional tiered systems, Moneyfarm charge you the lower fee on your whole portfolio, not just on the amount over the investment threshold.
Actively managed portfolios have 7 pricing tiers, starting at 0.75% for anything under £10,000 reducing to 0.35% on anything over £500,000 invested.
Fixed allocation portfolios are a bit cheaper, starting at 0.45% for anything below £100,000, 0.35% from £100,000, 0.30% from £250,000, and as low as 0.25% for portfolios over £500,000.
Qualified professionals at your fingertips (well, keyboard mainly).
Good if you’d like reassurance that you’re in the right portfolio for your right level of risk.
Easy to use app and pretty slick digitally.
It's investment focused and they have 7 fully managed and 5 fixed allocation in-house portfolios they can recommend. Not for share traders, those who want to pick funds, or those looking for broader financial advice across all product sets including mortgages and/or insurance.
Fees and charges
Actively managed portfolios
Portfolio Size | Percentage Fee |
£500 - £9,999 | 0.75% |
£10,000 - £19,999 | 0.70% |
£20,000 - £49,999 | 0.65% |
£50,000 - £99,999 | 0.60% |
£100,000 - £249,999 | 0.45% |
£250,000 - £499,999 | 0.40% |
£500,000+ | 0.35% |
Fixed allocation portfolios
Portfolio Size | Percentage Fee |
<£100,000 | 0.45% |
£100,000 - £249,999 | 0.35% |
£250,000 - £499,999 | 0.30% |
>£500,000 | 0.25% |
Examples:
£10,000 portfolio:
Actively managed - £99 (total) per year
Fixed allocation - £62 (total) per year
£100,000 portfolio:
Actively managed - £740 (total) per year
Fixed allocation - £520 (total) per year
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