Wealthsimple Invest
Investing on autopilot
How it works
Your eggs in lots of different baskets
Diversifying your investments means you can minimise risk while maximising rewards. We invest your money across the entire stock market using funds that track the global economy.
We'll help you choose a risk level that is suitable for you, then build a custom portfolio based on your financial goals.
Put your money on autopilot
Direct debits - Never miss a milestone with automatic contributions
Dividend reinvesting - We'll instantly put your stock dividends back to work, earning you more
Automatic rebalancing - We precisely rebalance your portfolio as the market changes
Easy access - Manage your accounts from anywhere with our award-winning website and mobile app
Backed by Nobel Prize-winning research
Research has proven that passive investing - tracking the market over time using a diversified portfolio - is the most reliable way to grow your money over the long term.
Meet our money experts
Honest - Our investment advisers are obligated to give you advice that's in your best interest, not ours
Human - We're loved for our technology. But we also have a team of smart people to answer any questions related to our services
Experienced - Our investment advisers have years of experience advising seasoned, high-net-worth investors, and those just starting out
Invest in a better world
Accounts that fit your goals
Not sure which accounts are right for you? We'll help you choose.
Pension
A smarter pension so you can save for the future, benefit from government tax relief and combine all your pension pots.
ISA
A popular savings account that helps you invest for the future, tax-free. This year's allowance is £20,000.
JISA
A tax free account that lets family and friends invest in your child's future. This year's allowance is £4,260.
Personal
Our most common taxable account to build long-term wealth alongside your ISA.
Transfer an account, we'll pay the fees.
Are you paying higher fees elsewhere on your ISA, GIA, or pension? You don't have to. Transfer any accounts with more than £5,000 to Wealthsimple and we’ll cover the transfer fees the other company charges you.
We keep your money safe
Your security and trust are important to us. We're committed to protecting your account with the highest standards of security available.
Over £2B and counting - More than 100,000 people trust over £2 billion with Wealthsimple globally
Everything is encrypted - We use state-of-the-art data encryption when handling your financial information and two-factor authentication (2FA) protection
FSCS protected - Your assets are held securely by a custodian and your cash is also protected by the Financial Services Compensation Scheme, up to £85,000
Powerful backing - Wealthsimple is backed by $120M in investment from the Power Financial Group
Benefits and pricing
Basic
Deposit £0 - 100k
0.7% fee (+ fund fees averaging 0.18%)
Perfectly matched portfolio
Access to investment advice
Automatic rebalancing
Direct debit contributions
Dividend reinvesting
Black
Deposit £100k+
All Basic plan features
0.5% fee (+ fund fees averaging 0.18%)
Investment planning
VIP airline lounge access
Generation
Deposit £500k+
All Black plan features
Dedicated investment adviser
Ongoing portfolio monitoring
Budgeting & cash flow planning
Start investing in 5 minutes
- Answer a few questions about your financial goals
- We'll suggest a portfolio with the right amount of risk for you
- Add your debit card or bank account to make a deposit
FAQs
Absolutely! We are authorised by the Financial Conduct Authority (FCA) and you can check details of our authorisation and the scope of our permissions here. As an authorised entity we are covered by the Financial Services Compensation Scheme (FSCS) so your cash is protected up to the amount of £85,000 and your investments - up to £50,000.
Moreover, when you invest with Wealthsimple, your assets are actually held by SEI Investments (Europe) Ltd., Wealthsimple’s UK custodial broker. In other words, SEI executes trades and holds your assets. SEI is a leading global custodian, looking after $468 billion of client assets, is regulated by the FCA and is also covered by the FSCS.
Every financial institution is required to do background checks on their clients to comply with government regulations. As part of our normal account opening process, we confirm your details with a reporting agency to verify your identity.
We run an identity check on your details, not a credit report, meaning the inquiry will not hurt your credit score or even be visible to other third parties who view your credit report. We do this for your protection so that nobody can abuse your identity or defraud you, and we are authorised by the Financial Conduct Authority, so rest assured that your information is kept secure!
No. We don't charge anything for withdrawals, transferring out, or leaving your account open with a zero balance.
Expected returns are impossible to predict and out of your (and our) control. We prefer to focus on the things we can control: fees, diversification and emotions. The stock market will take care of returns over the long term. The key is to stay disciplined and stick to your strategy in order to build wealth. You can read more about our investment strategy here.
First, let's start with the basics: a return is the amount of money earned or lost on an investment. Annual returns are usually shown as a percentage on your statements. Let’s say you start the year with £100, and at the end you have £110; that would mean you have a 10% return on your money.
At Wealthsimple, we calculate your progress in three ways as each gives a slightly different picture:
Simple (naive) return A simple return is a basic calculation of your net earnings divided by your net deposits. It is the easiest calculation to understand. This calculation takes all of your deposits and assumes they were added to your account on the first day the account was funded. But for example, in a case where you've earned positive returns, and then withdrawn more money than you deposited, a simple return won't accurately reflect what's going on.
Time-weighted return Time-weighted returns are the performance of a portfolio over a certain period of time. So if you started the year with £100 in your account, you didn’t touch it, and at the end of the year had £110, that would be a 10% time-weighted return. The thing is, if you make deposits and withdrawals over the year (as most of us do), a time-weighted return won't take that into account. So it's useful for comparing the performance of different investments or money managers, but it doesn't really help you understand how much money you actually made or lost.
Money-weighted return Money-weighted returns take into account any deposits and withdrawals you make and reflect the actual money you made or lost over the year. If you make a large deposit and the market goes up, it will increase your money-weighted return (and vice-versa).* *
Investor type
Our balanced portfolios are suitable for an investor with low-to-medium risk tolerance. If you are relatively cautious with your capital but are willing to seek a return commensurate with reasonable risk, this portfolio is for you.
Breakdown
To view the full list of the funds your portfolio will be invested in, click here.
Investor type
Our Growth portfolios range from 80-100% equity and are designed for people with medium-to-high risk tolerance. If you can bear market fluctuations with relative ease and understand that there can be short-term periods of poor performance, this portfolio is for you.
Breakdown
To view the full list of the funds your portfolio will be invested in, click here.
Investor type
Our Conservative portfolios have between a ~15 - 35% equity allocation. If you prefer stability and a modest return, this portfolio is for you. You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective.
Breakdown
To view the full list of the funds your portfolio will be invested in, click here.