Why InvestEngine
Smarter returns with lower fees
Portfolio construction. We build so that you benefit.
When you’ve got InvestEngine driving your investments, you can be confident there’s some serious power working on your behalf. Our team, approach, technology and low fees are geared to making your money work harder to deliver smarter returns, whatever your risk profile. And of course, we will always protect your money and your data.
Individual investor
InvestEngine algorithms
Personal portfolio
We construct robust, globally-diversified portfolios using a carefully selected blend of ETFs tailored to different risk appetites. The portfolio you receive from InvestEngine is determined by your personal situation – your goals, investor profile, time frame and tolerance of risk. Composed of stocks, bonds and alternatives, the weight of each asset class in your portfolio depends on whether you favour a conservative, moderate or aggressive strategy.
Conservative
Moderate
Aggressive
Stocks
Bonds
Alternatives
ETFs. The blocks we build with.
What happens when the stock pickers pick the wrong stocks? You lose money. And you pay heavily for the privilege in the fees and costs associated with stock picking. That’s why we use exchange-traded funds, known as ETFs. ETFs track anything from stock market indices to entire sectors, commodities, currencies and bond markets. Each ETF is made up of the multiple elements that make up a particular index. For example, a FTSE100 ETF includes the companies that make up the top echelon of the FTSE. Hence ETFs deliver instant diversification. The skill lies in how we select a blend of ETFs that matches your risk profile and avoids the danger of investing too much in any one asset class, industry, company or country. Furthermore, ETFs have far lower costs and fees – so your money works harder and you keep more of the gains you make.
Diversification. Think Eggs. And baskets.
We believe diversification is the single most important factor in making your investments work harder. No single asset class performs best in all economic environments and different asset classes react differently to the same event. So we invest in indices around the world and across asset types – stocks, bonds and alternatives. That way you’re protected if one element of the mix falls and you’re able to harvest the gains where and when prices rise. It’s all about making sure those nest eggs aren’t all in one basket.
DiversificationNo diversification0RiskConservative portfolio
Moderate portfolio
Aggressive portfolio
Stocks 25%Bonds 70%Alternatives 5%
iShares FTSE 250 ETF
iShares Emerging Markets Dividends ETF
Vanguard FTSE Developed Europe ex-UK ETF
iShares Asia Pacific Dividends ETF
Vanguard FTSE 100 ETF
HSBC S&P 500 ETF
Vanguard UK Gilts ETF
SPDR Sterling Corporate Bonds ETF
iShares Physical Gold ETC
Stocks 55%Bonds 40%Alternatives 5%
iShares FTSE 250 ETF
iShares Emerging Markets Dividends ETF
Vanguard FTSE Developed Europe ex-UK ETF
iShares Asia Pacific Dividends ETF
Vanguard FTSE 100 ETF
HSBC S&P 500 ETF
SPDR Sterling Corporate Bonds ETF
Vanguard UK Gilts ETF
iShares Physical Gold ETC
Stocks 80%Bonds 15%Alternatives 5%
iShares Emerging Markets Dividends ETF
Vanguard FTSE Developed Europe ex-UK ETF
iShares FTSE 250 ETF
iShares Asia Pacific Dividends ETF
HSBC S&P 500 ETF
Vanguard FTSE 100 ETF
Vanguard UK Gilts ETF
SPDR Sterling Corporate Bonds ETF
iShares Physical Gold ETC
Conservative portfolio
Moderate portfolio
Aggressive portfolio
- United Kingdom60.5%
- North America17.7%
- Europe14.2%
- Asia6.5%
- South America0.7%
- Africa0.1%
- United Kingdom52.6%
- North America28.1%
- Europe10.1%
- Asia8.3%
- South America0.5%
- Africa0.1%
- United Kingdom63.1%
- North America17%
- Europe8.5%
- Asia10.6%
- South America0.4%
- Africa0.1%
Modern Portfolio Theory. The technical approach to doing what’s sensible.
ReturnRisk
We follow the principles of Modern Portfolio Theory. The basic idea is simple – manage volatility (because that’s risky) in order to optimise returns (because that’s what we all want). It’s done by diversifying into a broad range of investments that won’t have wild swings in value but do have a track-record of good returns. Of course, there’s a lot of work to do to achieve the precisely calibrated balance of risk and reward that ensures your investments perform to their optimal level. But that’s what we’re here for.
Passive investing. Beware overactivity.
Passive investing – also known as buy and hold – involves holding investments over an extended period to maximise long-term returns by keeping buying and selling to a minimum. A passive investment strategy is based on set principles that align with your investment goals and risk appetite. This takes the emotion out of investing – and hence your vulnerability to human error.
ReturnTime
InvestEngine customer
Global diversification
Rebalancing
UK Market
Typical wealth manager
Active management
High fees
Markets generally grow over the long term and many decades of research show it’s extremely difficult for even the most experienced stock pickers to consistently beat the market. ETFs are perfectly suited to a buy and hold strategy – your investments are well diversified, they’re tracking major indices that have a history of growth, and you’re avoiding the considerable fees and drag on performance of overactive trading.
Just like us, renowned US investor Warren Buffett is convinced of the benefits of passively-managed investment strategies – he has advised his wife to put 90% of her entire savings in low-cost tracker investments.
Just like us, renowned US investor Warren Buffett is convinced of the benefits of passively-managed investment strategies – he has advised his wife to put 90% of her entire savings in low-cost tracker investments.
Rebalancing. Sticking to the plan.
Of course with passive investing, your portfolio will need occasional adjustments to keep it on track. Rebalancing is the crucial process of buying and selling portions of your portfolio in order to ensure the weight of each asset class aligns with your risk preference. In essence, regardless of what the market does, rebalancing helps you to stick to your investing plan as your portfolio grows.
Regular Contributions. Easier ways to invest and grow.
InvestEngine enables you to pay into your portfolio in monthly instalments. You can make regular, fixed contributions via Direct Debit from your bank account. You can regular payments, secure in the knowledge you’ll get the compound benefits benefits of regularly putting more into your investments. Naturally, these can be amended or cancelled as and when you like.
No regular payments
With regular payments
Our fee is only 0.45% per annum
Find out what your optimal portfolio is. Commitment free.
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