{"id":133836,"date":"2018-09-14T16:11:42","date_gmt":"2018-09-14T15:11:42","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=133836"},"modified":"2026-07-21T10:34:38","modified_gmt":"2026-07-21T09:34:38","slug":"wealthify","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/wealthify","title":{"rendered":"Wealthify review 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.wealthify.com\/\" class=\"luna-button luna-button--primary\">Return to Wealthify<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_7fde8499ba\" class=\"section-heading\">\n            How we rated Wealthify's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Wealthify offers decent value and is quite a cheap platform.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>It offers a limited range of ready-made investments.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Wealthify offers a secure and safe place for people to invest.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>The platform has a solid range of account types with most products covered.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Wealthify offers a well-rounded investing experience that most customers seem happy with.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Wealthify keeps things simple but has plenty of tools and resources available, only lacking social features.<\/td><\/tr><\/tbody><\/table><p>If you\u2019re looking for an investment platform that handles most of your decisions, Wealthify might be the kind of thing you\u2019re looking for. In our Wealthify review, we\u2019ll explain some of the key features, the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/ready-made-investment-portfolios\">ready-made portfolios<\/a> you can invest in and how the whole platform works.<\/p><h3>What is Wealthify?<\/h3><p>Wealthify is a digital investment management company, which aims to offer simple and effortless ways to invest your money. It falls under the category of <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/robo-advisors\">\u201crobo-advisor\u201d<\/a>, but the investing strategy uses a mixture of smart algorithms (robo) and expert humans (advisors).<\/p><p>Based in Cardiff, Wealthify launched in 2016 and is now backed by Aviva, which acquired a majority stake in 2017.<\/p><p>It operates online through its website and mobile app, but also has trusty humans available to speak with over the phone.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 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15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Wealthify's investing app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"It\u2019s a bit of a pain that Wealthify has raised its minimum investment amount to \u00a31,000 for its ISA and JISA, and up to a staggering \u00a35,000 for the GIA and pension accounts because this increases the barrier to entry for investors with smaller sums and this minimum is double that required by robo-advisor competitors like Moneyfarm and JP Morgan (previously Nutmeg). <\/p><p>You\u2019re not going to find intricate charts and in-depth stock analytics here, but it\u2019s super easy to navigate or view the performance of your plan. It\u2019s cool that a whole tab on the app is dedicated to articles and investment news, but to be honest, this is a little bit redundant. <\/p><p>Wealthify only offers a handful of ready-made portfolios that you have no control over. If you\u2019re the type of person investing passively using an app like Wealthify, I feel like market news isn\u2019t particularly helpful and is only going to make investors worried or frustrated that they can\u2019t adjust or control their Wealthify portfolio.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                        George Sweeney, DipFA\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h2 id=\"section_heading_aabca16993\" class=\"section-heading\">\n            Wealthify fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td>0.6% (plus plan cost)<br>0.3% (for the portion of pension balances over \u00a3100,000)<\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>\u00a30 (ongoing percentage fees based on fund)<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>Yes<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>Overall, Wealthify provides excellent value (even though there are limitations around investment choices). The 0.6% platform fee you\u2019ll pay will depend on the size of your portfolio. <\/p><p>You\u2019ll also pay an additional fee based on whether you pick an \u201coriginal\u201d or \u201cethical\u201d plan. The average cost for the original is an extra 0.14% and for the ethical, an extra 0.46%.<\/p><p>There\u2019s no minimum monthly fee and he percentage fees shown are annual costs, but they\u2019re worked out and charged to your account on a monthly basis.<\/p><p>We\u2019re big fans of the fact that Wealthify doesn\u2019t charge additional fees to make use of all the account types on offer either, making this platform an excellent place to hold most of your tax-efficient accounts in one spot.<\/p><p>The fees you pay cover the following:<\/p><ul><li>Creating your personal investment plan<\/li><li>Ongoing adjustments to your portfolio<\/li><li>24\/7 use of the app and online service<\/li><li>Live chat, phone and email support<\/li><li>News and insights on the blog and with a monthly market update<\/li><li>Buying and selling investments in your portfolio<\/li><li>Year-round expert market monitoring<\/li><li>Your money and assets held with a custodian<\/li><\/ul><h2 id=\"section_heading_cc715fb77e\" class=\"section-heading\">\n            Wealthify investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Investment choice score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>1<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>1 (global funds)<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>10+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>10+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum initial deposit<\/th><td>\u00a31,000 (ISA)<br>\u00a35,000 (pension\/GIA)<br>\u00a31,000 (JISA)<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a31 (GIA, ISA, JISA)<br>\u00a350 (pension)<\/td><\/tr><\/tbody><\/table><p>Unfortunately, Wealthify has a fairly steep point of entry as you need \u00a31,000 to invest in a Wealthify stocks and shares ISA or JISA, and a whopping \u00a35,000 for a pension portfolio or a GIA.<\/p><p>Wealthify has limitations when it comes to investment choice, but that\u2019s on purpose. If you want to access thousands of investment options, you should check out another platform. If you want some direction and to be assigned a portfolio, Wealthify might tick your boxes.<\/p><p>Wealthify offers 2 different investment options, original and ethical. Each has 5 different risk profiles to choose between:<\/p><ul><li>Cautious<\/li><li>Tentative<\/li><li>Confident<\/li><li>Ambitious<\/li><li>Adventurous<\/li><\/ul><p>In all cases, they invest in a mix of government bonds, shares, property, corporate bonds, and some cash. The weighting between these assets differs between risk profiles to make sure it\u2019s suited to the level of risk you\u2019re comfortable with.<\/p><h4>Wealthify Ethical vs Original<\/h4><p>Ethical investing aims to avoid harmful activities (e.g. tobacco, gambling, weapons and adult entertainment) and opts for companies who take their environmental and social responsibilities seriously. Original doesn\u2019t mean investing in \u201cbad\u201d companies, it just means this sort of socially responsible criteria is less of a priority.<\/p><ul><li><strong>Original<\/strong>. Around 15 mutual funds \u2013 featuring stocks, bonds, cash, property, private equity and commodities.<\/li><li><strong>Ethical<\/strong>. Around 15 mutual funds \u2013 featuring shares, bonds, and other thematic investments (e.g. gender equality or green energy funds) from best-in-class ethical fund providers around the world.<\/li><\/ul><p>There\u2019s around 8,000 investments held across those combined 15 funds, so you\u2019ll get a diverse basket of investments with either Wealthify plan.<\/p><h2 id=\"section_heading_141d02eae5\" class=\"section-heading\">\n            Is Wealthify safe?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Wealthify is authorised and regulated by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Conduct Authority (FCA)<\/a>. It\u2019s also covered by the Financial Services Compensation Scheme (FSCS) protection, which means that you can receive compensation on deposits of up to \u00a385,000 if Wealthify were to go bust.<\/p><p>Wealthify is also part of leading financial provider and insurer Aviva, an established public company and a member of the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/how-to-invest-in-the-ftse-100\">FTSE 100<\/a>, adding an extra layer of reassurance.<\/p><p>Although as always when you invest, <a href=\"https:\/\/www.finder.com\/uk\/investment-risk\">your capital is at risk<\/a>.<\/p><h2 id=\"section_heading_2874d42755\" class=\"section-heading\">\n            Wealthify account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Wealthify offers a comprehensive range of accounts to suit all investing goals:<\/p><ul class=\"list-1\"><li>General investment account (GIA)<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">Stocks and shares ISA<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">Junior ISA (JISA)<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">Self-invested personal pension (SIPP)<\/a><\/li><\/ul><p>Keep on reading to find out more about these products and the main differences between them.<\/p><h3>Wealthify general investment account<\/h3><p>This account is usually chosen by investors that have already made use of their ISA allowance in the current tax year (currently \u00a320,000). You\u2019ll be liable to pay tax on any profits you make over \u00a33,000, or \u00a3500 in dividends in each tax year.<\/p><p>You can invest in all the same things that you can with the ISA and the pension but you need a wallet-busting \u00a35,000 to start your portfolio.<\/p><h3>Wealthify stocks and shares ISA<\/h3><p>The Wealthify investment ISA is for investors who want to make the most of their annual ISA allowance. Something well worth doing. This means that you can invest up to \u00a320,000 each year without paying tax on most of your profits.<\/p><p>You can invest in the same things with the Wealthify investment ISA as with the other accounts, but you need \u00a31,000 to get started.<\/p><h3>Wealthify junior ISA<\/h3><p>Junior ISAs are pretty similar to regular ISAs, except that the annual allowance is currently \u00a39,000. This means that you can save up to \u00a39,000 each year without paying tax on profits. This is separate to your own ISA allowances, so it doesn\u2019t impact your \u00a320,000 yearly allowance.<\/p><p>The account has to be opened by the child\u2019s parent or guardian, but anyone can pay into it. The child gets access when they turn 18. To open a Wealthify junior ISA, you must deposit a minimum of \u00a31,000.<\/p><h3>Wealthify pension<\/h3><p>Wealthify aims to make saving for retirement easier by offering a personal pension. As with its other products, it has low fees, but a massive minimum investment of \u00a35,000.<\/p><p>If you already have pensions elsewhere, you can transfer them in or you can create a new personal <a href=\"https:\/\/www.finder.com\/uk\/pensions\">pension<\/a> alongside those that you already have. You don\u2019t have to commit to regular payments, either.<\/p><p>It\u2019s up to you whether you want the commitment of a direct debit or if you\u2019d prefer to make ad-hoc top-ups. With a personal pension you can contribute:<\/p><ul><li>100% of your annual salary each year<\/li><li>An annual allowance of \u00a360,000<\/li><li>Or, a lifetime allowance of \u00a31,073,100<\/li><\/ul><p>You get tax relief on pension contributions depending on your marginal rate of tax, but all contributions will get an automatic 20% tax relief from HMRC that Wealthify will credit into your pension.<\/p><h2 id=\"section_heading_1db4600979\" class=\"section-heading\">\n            Wealthify ease of use\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.4\/5<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>3\/5<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Phone, secure messaging and live chat<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Good<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Both<\/td><\/tr><\/tbody><\/table><p>Wealthify scored pretty well in our ease of use assessment. We like that there are a few ways to get hold of its customer support team and Wealthify has real people on hand to help you out, not a stiff chat bot.<\/p><p>On the App Store, Wealthify scores 4.4 out of 5, and on Google Play it has a lower 3 out of 5 (as of July 2026). If you don\u2019t want to invest and manage your account on the app, Wealthify also offers a desktop platform. <\/p><p>Wealthify gave its app a complete overhaul a few years ago. To be perfectly honest, it was needed. The old app was becoming outdated compared to other trail-blazing robo-advisors. However, Wealthify gets a pat on the back from us because a lot of the updates incorporated better accessibility features, making investing more accessible to everyone in the UK. <\/p><h2 id=\"section_heading_1a1a8bdc0b\" class=\"section-heading\">\n            Wealthify customer reviews\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Reviews platform<\/th><th scope=\"col\">Score<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Trustpilot<\/th><td>4.4\/5<\/td><\/tr><\/tbody><\/table><p>Many customers praised Wealthify\u2019s communications.<\/p><p>One customer said: \u201cThey keep me well informed of any changes to my investments.\u201d <\/p><p>Another said: \u201cReally positive experience, and support available for first time investors.\u201d<\/p><p>Trustpilot reviewers gave Wealthify a 4.6 out of 5 \u201cExcellent\u201d rating (last updated: July 2026).<\/p><h2 id=\"section_heading_a9c7290bb4\" class=\"section-heading\">\n            Wealthify tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>With the goal of keeping things simple, Wealthify has a limited range of tools and resources, along with some learning materials like articles and guides.  <\/p><p>There are portfolio insights available and enough information on the platform to cover the basics but this isn\u2019t where to invest if you want in-depth stock analysis. <\/p><h3>How does Wealthify work?<\/h3><p>Wealthify invests your money in diversified fund portfolios to spread your risk across different industries and countries. Your portfolio will contain mainly low-cost, passive investments, such as <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/mutual-funds\">mutual funds<\/a> that invest in a mixture of assets.<\/p><p>Its team of qualified investment managers is monitoring and adjusting your plan regularly as the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/stock-market-prices\">stock market fluctuates<\/a> to ensure the best returns for your money.<\/p><p>Wealthify is designed for people with little to no investment experience. Its team of investment experts build and manage your portfolio for you, no matter which product you choose. <\/p><p>This means that you don\u2019t need to worry about selecting your own investments, all you have to do is choose a risk profile and whether you want an original or ethical portfolio.<\/p><h3>How do I apply for a Wealthify account?<\/h3><p>To open a Wealthify investing account, you must be 18 or over and a resident of the UK. We found that you should be able to set up an account in 10 minutes or so on the Wealthify website or app.<\/p><p>Here\u2019s how to get started:<\/p><ol><li><b>Head to the website or app<\/b>. On the Wealthify website, select \u201cinvest now\u201d in the top right.<\/li><li><b>Choose which account you want.<\/b> We\u2019ve explained the key differences between account types above. You can open multiple accounts later.<\/li><li><b>Choose your initial investment.<\/b> This is the amount you want to invest right now.<\/li><li><b>Choose your monthly investment.<\/b> This is the amount you plan to invest each month.<\/li><li><b>Choose an investment style.<\/b> We\u2019ve detailed these further up \u2013 you\u2019ll need to choose how much risk you\u2019re prepared to take on.<\/li><li><b>Choose an investment theme.<\/b> Want to invest ethically? This is where you decide on regular investments or ethical ones.<\/li><li><b>Check out your plan summary.<\/b> This shows you the projected value of your investments, the fees you\u2019ll pay and how your money will be invested.<\/li><li><b>Create an account.<\/b> You\u2019ll be prompted to log in and fund your account.<\/li><li><b>You\u2019re good to go!<\/b> Wealthify\u2019s experts manage your investments for you.<\/li><\/ol>\n        \n            <h3>What do customers say about Wealthify?<\/h3>\n        <p>73% of customers we <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps#customer-satisfaction\">surveyed<\/a> in 2026 would recommend Wealthify to a friend.<\/p>\n        <p>It is valued for its straightforward, \"no-nonsense\" approach to investing, allowing users to easily select their preferred risk level. The app is user-friendly and simplifies the process of setting up a portfolio.<\/p>\n<p>While the charges are low and the brand is trusted, some users feel the platform could do a better job explaining how the underlying investments actually work compared to other providers on the market.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Who might Wealthify suit?<\/h3><p>This platform is going to be best-suited for those who want to take the complexity out of investing and just want a simple and straightforward place to start building a portfolio that\u2019s managed by experts for a reasonable fee.<\/p><p>If that\u2019s not you, why not <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">compare share trading platforms<\/a> to find the right fit to match your style.<\/p><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can Wealthify give me financial advice?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, Wealthify is not regulated to provide financial advice.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long does it take to withdraw money from my Wealthify account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Although you have access to your funds 24\/7 online, it can take up to 10 working days to process the withdrawal.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">I'm new to investing and don't want to put much money in, is it worth it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As with all investments, there is an element of risk and no guaranteed return. However smaller investors could see returns as Wealthify tends to spread your money across mutual funds, because they can be broken up into smaller amounts.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I open more than one investment ISA?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, under UK tax rules you can only open one investment ISA per year.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Does Wealthify pay dividends?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As Wealthify invests in companies on your behalf, you are eligible to receive dividend payments if the companies decide to pay dividends.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>We look at Wealthify&#8217;s stocks and shares ISA, SIPP, JISA, and GIA. 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