Brewin Portfolio Service

This is Brewin Dolphin's online, accessible service with a minimum investment of £2,000.  Investors pick from one of six risk-rated portfolios based on risk tolerance and investment objectives.  The overall charge is made up of Brewin’s management fee of 0.70% and portfolio costs that range from 0.11% to 0.23%. (more…)

EQ Investors – Best Ideas Portfolio

EQ Investors is a financial planning firm and wealth manager with a strong focus on impact/ethical and low-cost investing. Investors can choose to use its planning service or invest directly in its portfolios.

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EQ Investors – Low Cost Portfolio

EQ Investors is a financial planning firm and wealth manager with a strong focus on impact/ethical and low-cost investing. Investors can choose to use its planning service or invest directly in its portfolios. (more…)

EQ Investors – Positive Impact Portfolio

EQ Investors is a financial planning firm and wealth manager with a strong focus on impact/ ethical and low-cost investing. Investors can choose to use its planning service or invest in its portfolios. (more…)

ETFmatic

ETFmatic's proposition is suitable for people of all differing levels of investment experience, though more experienced investors will benefit from its more complex features. Based on responses to a series of questions for invests, ETFmatic's system calculates a risk profile and recommends a series of model portfolios that provide exposure to global equities and bonds. (more…)

eVestor

eVestor is the non-advised offering from OpenMoney. Investors can choose an ISA, General Investment Account (GIA) or a Self-Invested Personal Pension (SIPP) and open one with just a pound. There are three portfolios for investors choose from which invest mainly in passive funds from BlackRock, Vanguard and Fidelity. Though there's no advice given, the portfolios are managed by the same investment committee as OpenMoney's. (more…)

Exo Investing

Exo Investing launched in April 2018. After a questionnaire on attitude to risk, investment experience and goals you are assigned a risk profile. Investors can choose the ‘style’ (e.g. low-volatility, socially responsible, corporate). If you're unsure, AI algorithms tailor your portfolio. (more…)

Gear Investments

Gear Investments is an online discretionary wealth manager. After a risk-attitude assessment, investors choose an investment strategy from ranging from Flat to Mountain.  Portfolios consist of low-cost ETFs and investors pay a flat 0.95% all-in fee for both the portfolio and investment management. Gear only offers ISAs and General Investment Accounts (GIAs). (more…)

HSBC My Investment

HSBC's My Investment service has a one-off advice fee of 0.5% which only payable if an investment is made (and there is no obligation to do that). There is an annual maintenance charge of around 0.49% a year to cover the running of the investments. After answering a series of questions the potential investor will be sent a personalised investment recommendation report which will recommend an HSBC investment fund that meets their needs. Requires an HSBC current account and registration through online banking to apply.

IG Smart Portfolios

IG is a spread-betting, CFD and equity trading platform that has ventured into the less controversial world of robo advice with the release of Smart Portfolios. The Smart Portfolios use BlackRock’s active asset allocation tools and are underpinned by BlackRock’s ETF range, iShares.  Following a questionnaire about attitude to risk and financial situation, investors choose an investment strategy. (more…)

InvestEngine

InvestEngine is a new robo-adviser launched by former Gumtree co-founder Simon Crookall. Following a questionnaire to assess personal situation, attitude to risk and investment goals, investors are matched to a portfolio. The portfolios are built with ETFs. There is an ISA and GIA and the minimum investment is £2,000. (more…)

Moneybox

Moneybox is a robo-adviser offering an innovative new way of investing. In addition to a weekly minimum investment of £2, you can round up any card transactions to the nearest pound and invest through moneybox. There are risk-targeted portfolios and they also come in ethical flavours. (more…)

Moneyfarm

Moneyfarm is a well-established Italian robo-adviser that launched in the UK in 2016. It offers a discretionary investment service with the option for advice. Following an investor-knowledge assessment and risk profile, you are recommended one of 12 portfolios. (more…)

Moola – Ethical Portfolio

Moola launched in April 2017. Investors get access to a ready-made portfolio based on investment horizon and one of three risk levels — it doesn't take you through a series of questions to find your tolerance for risk. Moola currently only offers ISAs and GIAs. The minimum investment is £50. It has both standard and ethical portfolios. The ethical version is more expensive. (more…)

Moola – Standard Portfolio

Moola launched in April 2017. Investors get access to a ready-made portfolio based on investment horizon and one of three risk levels — it doesn't take you through a series of questions to find your tolerance for risk. Moola currently only offers ISAs and GIAs. The minimum investment is £50. It has both standard and ethical portfolios. (more…)

Munnypot

Paying for financial advice is sometimes not an option for investors, but Munnypot provides advice and portfolio monitoring through an online experience. It's one of a few online providers with an advice service (do it with me) rather than a discretionary service (do it for me). (more…)

Natwest Invest (banking customers only)

Natwest Invest is an online available to Natwest customers. After questions on attitude to risk and investment objectives, investors can choose from five risk-profiled funds or ask for advice. GIA, ISA and JISA accounts are available with a minimum investment of £50. Monthly investments are necessary if the investment is below £5,000. The service is run by Natwest’s private bank arm, Coutts. (more…)

Netwealth

Netwealth is an online discretionary provider with financial planning tools to help investors. Customers can also access full financial advice. A very broad range of accounts is available and offered in pounds, dollars and euros. To get started investors choose their investment objective, account type and risk level. The app doesn't help investors define their attitude to risk, but it sets out who each risk level is suitable for with examples of returns and full details of holdings. (more…)

Nutmeg – Fixed Allocation Portfolio

Nutmeg is the most established robo-adviser in the UK. It currently offers ISAs, Lifetime ISAs, SIPPs and General investment accounts. Nutmeg is a discretionary manager, but investors can also access financial advice. Investors start by selecting the account type, how much and how long they want to invest for. They then choose from three different investment styles: fixed allocation, fully managed and socially responsible which come with varying fees. There is a minimum investment of £500 for all accounts with a monthly investment of £100 for ISAs and GIAs until the portfolio value reaches £5,000. Mobile apps let you keep track of your portfolios on the go. (more…)

Nutmeg – Fully Managed Portfolio

Nutmeg is the most established robo-adviser in the UK. It currently offers ISAs, Lifetime ISAs, SIPPs and general investment accounts. Nutmeg is a discretionary manager, but investors can also access financial advice. Investors start by selecting the account type, how much and how long they want to invest for.They then choose from three different investment styles: fixed allocation, fully managed and socially responsible which come with varying fees. There is a minimum investment of £500 for all accounts with a monthly investment of £100 for ISAs and GIAs until the portfolio value reaches £5,000. Mobile apps let you keep track of your portfolios on the go. (more…)

Nutmeg – Socially Responsible Portfolio

Nutmeg is the most established robo-adviser in the UK. It currently offers ISAs, Lifetime ISAs, SIPPs and General investment accounts. Nutmeg is a discretionary manager, but investors can also access financial advice. Investors start by selecting the account type, how much and how long they want to invest for. They then choose from three different investment styles: fixed allocation, fully managed and socially responsible which come with varying fees. There is a minimum investment of £500 for all accounts with a monthly investment of £100 for ISAs and GIAs until the portfolio value reaches £5,000. Mobile apps let you keep track of your portfolios on the go. (more…)

OpenMoney

OpenMoney is a robo-adviser that also offers access to real advice. It aims to guide inexperienced investors through financial services and provides a low-cost investment solution on top. Advisers provide a free assessment of an investor's finances and can recommend the best suited OpenMoney products and portfolios. Investors can open ISAs, pensions and general investment accounts and there are three ready-made investment portfolios to choose from. The portfolios consist of trackers and are the same as the ones on the eVestor robo. Total fees are a maximum of 0.52% — some of the lowest charges in the market. 

Plum – Basic Portfolio

Plum is a clever tool that scrapes spare cash from your current account and saves it for you. It works by linking to your bank account (it works with all major UK banks). It analyses transactions to learn about your income and spending and transfers surplus cash into your Plum account every few days. (more…)

Plum – Emerging Markets Portfolio

Plum is a clever tool that scrapes spare cash from your current account and saves it for you. It works by linking to your bank account (it works with all major UK banks). It analyses transactions to learn about your income and spending and transfers surplus cash into your Plum account every few days. (more…)

Plum – Ethical Portfolio

Plum is a clever tool that scrapes spare cash from your current account and saves it for you. It works by linking to your bank account (it works with all major UK banks). It analyses transactions to learn about your income and spending and transfers surplus cash into your Plum account every few days. (more…)

Plum – Technology Portfolio

Plum is a clever tool that scrapes spare cash from your current account and saves it for you. It works by linking to your bank account (it works with all major UK banks). It analyses transactions to learn about your income and spending and transfers surplus cash into your Plum account every few days. (more…)
Santander - investment platform (D2C)

Santander Digital Investment Adviser

Santander bank launched its Digital Investment Adviser (DIA) service in September 2018, offering financial advice on a limited range of Santander products. The DIA offering is a hybrid of its Investment Hub (DIY) for confident investors and its financial planning service and is available to Santander account holders only. (more…)

Scalable Capital

Scalable Capital is a German robo-adviser that has services in the UK, Germany, Switzerland and Austria. It offers two different approaches: an 'Investing with you' advice service complete with financial planning and portfolio selection, and a discretionary 'Investing for you' investment service, without the financial planning aspect. (more…)

Tickr

Tickr is a robo adviser which provides access to investments which have a positive impact on the world. Their aim is to build social responsibility into investing and do so through their 4 (self-explanatory) portfolios: Climate Change, Disruptive Technology, Equality, and Combination. For example, the Climate Change portfolio aims to provide ETFs which invest in global clean water and energy. (more…)
True Potential investor

True Potential Investor (Portfolios)

True Potential Investor is the online discretionary service by the True Potential advice network. Following a detailed finance and risk questionnaire, investors can select from one of five portfolios. Pensions, ISAs and General Investment Accounts are available and mobile apps let you keep track of your portfolio. (more…)

Wealth Horizon

Wealth Horizon is a robo-adviser that aims to close the financial advice gap and make advice more affordable.  Following a risk-assessment-based questionnaire, a personalised portfolio is created. Wealth Horizon operates a discretionary mode of investment, investing on your behalf, but also offers simplified financial advice over the phone. It invests in a range of funds provided by the likes of Legal & General, Vanguard and Threadneedle. ISA and GIA available. (more…)

Wealthify

Wealthify, a fairly new robo-adviser with little-to-no investment minimums, was acquired by Aviva in 2018. It offers ISAs and general investment accounts. After choosing your risk level, investment amount and investment objective, Wealthify allocates you to a portfolio. The underlying investments are ETFs. Mobile apps allow you to monitor your portfolios on the go. (more…)

WealthSimple

Wealthsimple, one of the largest robo-advisers in Canada, is a relatively new entrant to the UK market. Following a risk assessment questionnaire, a portfolio is custom-built for you and tailored to your investment objectives. Wealthsimple is a discretionary manager, but also offers advice as a basic account feature. (more…)

WealthSimple – Socially Responsible

Wealthsimple, one of the largest robo-advisers in Canada, is a relatively new entrant to the UK market. Following a risk assessment questionnaire, a portfolio is custom-built for you and tailored to your investment objectives. Wealthsimple is a discretionary manager, but also offers advice as a basic account feature. (more…)

Wombat

Wombat is a mobile app-based robo-adviser aimed at younger people who are new to investing. The app features 15 themes to choose from with each theme represented by a single ETF. Wombat allows you to pick and compile different themes (ETFs) into a wider portfolio of investments. Wombat has both ISA and GIA accounts. (more…)