INVEST WITH WEALTHIFY

Award-winning investing from as little as £1 (£50 for pensions).

Our Products: Investment ISA, Junior ISA, Personal Pension and GIA
Our Plans: Original or Ethical
Our Risk Levels: Cautious, Tentative, Confident, Ambitious, Adventurous
Our Promise: Keep investing affordable and jargon-free for everyone

With investing your capital is at risk.

Tax treatments depend on your individual circumstances and may change in the future.

With investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.

Wealthify is pleased to be introduced by Up The Gains - Money Made Simple

HOW TO INVEST

Step 1

Choose your Plan.

From an ISA to invest up to £20k a year tax-efficiently, a GIA to invest without limits, a SIPP to save for retirement, or a JISA for your children's future.

Step 2

Choose your Risk Style.

Pick from 5 investment styles and tell us how much you want to invest via a lump sum or by setting up a direct debit, from as little as £1 (£50 for pensions).

Step 3

Take our Suitability Quiz.

This is our way of helping you start a Plan that's right for your circumstances and attitude to risk.

Step 4

Let us do the rest!

Our experts will build your Plan and manage it for you, keeping it in line with your chosen style.

WHY WEALTHIFY?

We want to help make your money work harder. It’s simple – you choose what type of investor you want to be, from cautious to adventurous, and we’ll build you an investment Plan and manage it for you.

You can withdraw anytime with no penalties and we also offer ethical Plans, so you can easily invest in line with your values.

CAUTIOUS

Minimising loss is the priority. Small movements up and down in Plan value are acceptable, with the aim of beating inflation.

Tentative

Limiting loss is important. Moderate movements up and down in Plan value are acceptable, with the aim of achieving reasonable growth.

Confident

Minimising losses is as important as making gains. Movements up and down in Plan value are acceptable, with the aim of achieving good growth.

Ambitious

Making gains is the priority. The risk of large losses and large movements up and down in Plan value are acceptable, with the aim of achieving high growth.

Adventurous

Maximising returns is the priority. The risk of substantial losses and substantial movements up and down in Plan value are acceptable, with the aim of achieving the highest growth possible.

Things to think about

Exit costs: We won’t charge you if you transfer your pension to us. However, your existing pension provider might have an exit charge, so be sure to check with them first.
Investment fees: Before transferring your pension, compare your current fees and charges with our pension costs. Even though we keep our costs as low as possible, you should understand the different fees and charges before making the move, checking that everything makes financial sense for you.
Pension benefits and guarantees: You can't transfer a pension to us that has safeguarded benefits or guarantees, which might include defined benefit pensions, or defined contribution pensions with a guaranteed income, or benefits such as getting more than 25% of your cash tax-free. We also can't accept a transfer if you’re already taking an income from it. For other pensions, you should also consider whether you may lose any other valuable features if you transfer, such as loyalty bonuses.
Transfer Process: Your pension will be transferred as cash only so the existing investments will need to be sold first, meaning for a period of time your pension will not be invested and you’ll be ‘out of the market’ while the transfer takes place.
It’s not certain you’ll be better off: There are never any guarantees about how investments will perform over time. This means that by combining two or more pensions, you're not guaranteed to have more money in your retirement than you would if you kept them separate.

KEEPING YOUR MONEY SAFE

We know the only thing more important than making your money work harder, is making sure it’s safe — here’s how we take care of yours.

Secure

Your login details will always be kept secure – but never shared with anyone else.

Support

Our friendly Customer Care Team are always happy to help via email, Live Chat, or on 0800 802 1800.

Strength

Wealthify is owned and backed by Aviva: one of the UK's largest financial institutions.

LOOKING TO TRANSFER AN EXISTING ISA?

WHY WOULD YOU TRANSFER?

Save money on fees - you may be paying higher fees for your other ISAs and could save if you consolidate
Your money won't be locked away, you can withdraw or transfer at any time, if you need to

HOW TO DO IT

You can transfer any cash ISAs or Investment ISAs (aka Stocks and Shares ISAs) you have with other providers to Wealthify.

When you transfer an ISA to Wealthify, you should always use the official ISA Transfer Form to retain the ISA tax benefits.

To find out more, download our Guide to Investment ISAs.

STRENGTH IN DEPTH

We’re backed by Aviva, one of the UK’s largest financial services institutions which has looked after British consumers for more than 325 years.

Wealthify operates independently but Aviva own a majority shareholding, which means you get the best innovation in smart simple investing together with the security of knowing that we’re here to stay and operate to the highest standards.

Aviva’s investment in Wealthify allows us to achieve all the things we always wanted to, but at an accelerated pace and with greater confidence.

Investment FAQs

Your money is looked after by a team of qualified investment managers with experience in established firms all over the world. Our experts have developed an investment system that uses algorithms and industry experience to pick the best funds available to you, then builds you an investment plan that suits your goals and attitude to risk. And because things are always changing in the financial markets, our team monitors and adjusts your plan regularly, to make sure your money works as hard as you do.

There are hundreds of great reasons why you might want to invest with Wealthify – from our clear and simple platform to our flexible investment plans and excellent customer service.

We’ve also won a number of awards over the years, including Best Investment Platform for User Experience at the YourMoney.com Investment Awards 2022, Best Investment ISA at the Personal Finance Awards, Best Investment Platform at the Online Personal Wealth Awards 2021, and Best Investments Provider at the British Bank Awards 2020.

Not only that, but our JISA was named the Best Junior ISA at the Personal Finance Awards in 2021, 2020 and 2019!

We’re not a fully-automated investment service. We automate certain parts of the investment process, like monitoring how well global markets are performing, using computers programmed with algorithms (mathematical formulas). This is more cost-effective than having highly-paid fund managers do it and we pass those savings onto you. Our experts use the market information along with their own their knowledge and experience, to make small adjustments to the mix of funds in your investment plan, where appropriate. So Wealthify uses a mix of smart algorithms and human expertise to make sure your plan stays on track.

Yes, they are. All your investments in our ISAs and General Investment Account products are held with our custodian bank, Winterflood Securities, a global financial services provider and part of Close Brothers Group, who have been trading for more than 130 years. The custodian of our Pension products is Embark Pensions, who are part of the Embark Group – the UK’s fastest-growing digital retirement platform.

Winterflood Securities and Embark both hold your assets separately (ring-fenced) from Wealthify, so even if we went into administration, our creditors would not have a claim to your investments.

The Financial Services Compensation Scheme may also cover the first £85,000 of your investments, however, it’s essential to understand that the FSCS doesn’t cover you if your investments do not perform as expected and you get back less than you originally invested. For more information visit https://www.fscs.org.uk/

Why invest in one company, when you can invest in them all? That’s the essence of passive investing. Instead of putting all your eggs in one basket and relying on one particular company to perform well, you spread your money across all of them, so that you benefit from their collective strength. To do this, you need funds like ETFs and Mutual Funds (known as passive investment vehicles). These let your money track an index like the FTSE 100, which is composed of the 100 largest companies listed on the London Stock Exchange.

Passive investing is generally accepted as a more effective long-term strategy than the alternative, active investing, where fund managers try to pick the stocks they think will do best. The Dow S&P Indices show that as few as 14% of active fund managers actually manage to beat the market each year, when looked at over a long time period.

No. We are not regulated to give you advice on whether investing is right for you. If you’re unsure, you should always seek the advice of an Independent Financial Adviser (IFA).

Anyone over the age of 18 living in England, Scotland, Wales or Northern Ireland can open any account with Wealthify. Residents of the Channel Islands can open a GIA. Unfortunately, we can’t accept US citizens due to the tax reporting required by the US Passive Foreign Investment Company.

You can only open a stocks and shares ISA if you’re a UK tax resident and haven’t opened or paid into another stocks and shares ISA in the same tax year. If you have, you will need to transfer the full amount to Wealthify or open a General Investment Account.

For our pension, you’ll need to be over 18 and under 75 to open an account.

Wealthify considers the security of your personal information to be of the utmost importance and we take several measures to ensure it is kept safe.

Any information you provide on our website is transmitted using secure SSL technology with 256-bit encryption. Where we store sensitive information, such as passwords and bank account numbers, we use strong encryption algorithms similar to those used by the major high-street banks.

We also insist on a minimum password length and require you to use upper case letters and numbers in your password to make it more secure.

Account security is also your responsibility. You should never share your password with anyone else, or let anyone else have access to your Wealthify account.

Blogs and Articles

Read the latest from our experts to help you understand investing, including how we invest for you — and why this could be a great time-saver for busy investors.