Best For Ready-Made Solutions Award 2026 | Boring Money
Written by Boring Money
29 Jan, 2026
Who won the Best For Ready-Made Solutions Award 2026?
The winners are AJ Bell, J.P. Morgan Personal Investing, Moneybox, Moneyfarm, and Vanguard. These providers were selected through independent analysis of ready-made investment portfolios, pre-packaged solutions, robo-advice quality, ease of use, and cost-effectiveness, plus feedback from over 27,000 real customer reviews.
How are the Best For Ready-Made Solutions winners chosen?
Best For Ready-Made Solutions winners are selected through rigorous performance-based methodology assessing 5-year returns to the end of 2025. For each provider, three portfolios are evaluated - low risk, medium risk, and high risk options selected based on equity allocation from the provider's portfolio range.
High and medium risk solutions receive greater weighting in the performance score than low risk solutions, reflecting the importance of growth-focused portfolios. This methodology identifies providers whose ready-made solutions have delivered strong long-term performance across different risk levels, helping investors choose platforms with proven track records.
Best For Ready-Made Solutions Award 2026 Winners
Winners are listed in alphabetical order.
This year's winners are:
AJ Bell
Navigation is genuinely good - I could find what I needed easily. The guidance and FAQs are helpful. It's a solid, functional platform that gets the job done.
J.P. Morgan Personal Investing
N.B. Prior to November 2025, J.P. Morgan Personal Investing operated under the Nutmeg Savings and Investment brand.
Strong navigation and mobile experience. The design is engaging and the portfolio display is excellent. Tools could be more sophisticated.
Moneybox
Excellent for beginners. The guidance is outstanding and navigation is easy. Finding funds is effortless. Would definitely recommend.
Moneyfarm
The portfolio display is excellent - really clear and well-presented. Costs are transparent, too. Navigation and tools could be stronger, but the core experience shows promise.
Vanguard
Generally positive - navigation, guidance, and clarity all work well. Not much 'wow factor' but it's a solid, reliable platform.
FAQs about Ready-Made Solutions
What are ready-made investment solutions?
Ready-made investment solutions (also called managed portfolios or robo-advice) are pre-built, professionally managed investment portfolios. You select your risk level (typically low, medium or high based on equity allocation
) and investment goals, and the provider chooses and manages the investments for you. They typically use diversified funds or ETFs, rebalance automatically, and require minimal ongoing involvement - ideal for investors who want professional management without picking individual investments.What's the difference between low, medium and high risk portfolios?
Portfolio risk levels are typically determined by equity (shares) allocation. Low risk portfolios contain more bonds and less equity (perhaps 20-40% equity), offering stability but lower growth potential. Medium risk portfolios balance equity and bonds (perhaps 50-70% equity) for moderate growth with some stability. High risk portfolios contain mostly equity (perhaps 80-100%) for maximum growth potential but higher volatility. Best Buy winners offer all three risk levels with demonstrated performance across each.
Are ready-made solutions more expensive than DIY investing?
Ready-made solutions typically cost 0.25-0.75% annually for management plus underlying fund costs (total 0.5-1.2%), versus 0.05-0.45% platform fees plus fund costs (total 0.3-1%) for DIY investing. However, they provide professional management, automatic rebalancing, and remove risk of poor investment choices. Best Buy winners like Vanguard offer very low-cost ready-made options (under 0.3% total) with strong performance, making them competitive with DIY investing.
Who should use ready-made investment solutions?
Ready-made solutions suit investors who: lack time or interest to research investments, want professional management and diversification, feel overwhelmed by investment choices, prefer hands-off investing, are beginners wanting a simple starting point, or want automatic rebalancing. Best Buy Award winners cater to different needs - Moneybox for mobile-first simplicity with strong performance, Vanguard for low-cost basics with a solid track record, Moneyfarm for those wanting human advice alongside digital management with competitive returns.
