Holly Mckay
Holly MackayFounder and CEO
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    Home • Articles • Active vs Passive Ready-Made Portfolios - The Performance Data Speaks

    Active vs Passive Ready-Made Portfolios - The Performance Data Speaks

    Written by Boring Money

    27 Feb, 1970

    This section is a paid promotion created in partnership with Quilter Invest. The views and information presented reflect the sponsor’s messaging and may not represent the independent opinions of Boring Money. While we aim to ensure accuracy and relevance, this content should not be considered impartial advice.

    The active versus passive debate often feels theoretical - higher fees versus lower costs, human expertise versus index tracking. In reality, the company you choose and its approach is more important than whether you choose an active or passive solution.

    Passive can't mean inactive: investors need to be diversified geographically and rebalance regularly. This helps achieve consistency. Passives are simply the building blocks for an active approach.

    Boring Money’s Q4 2025 analysis of 30+ ready-made portfolios reveals what actually happened to investors' money over five years, converting percentages to the return on a £1,000 investment. One provider's passive approach consistently ranks in the top three across all risk categories.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.