Face to Face Digital
The simple way to invest
Face to Face Digital is the quick and simple way to start your investing journey.
- £1 minimum investment (£50 for pensions)
- Ethical investing options
- Low annual fees*
- Easy online access to monitor your investment
- Penalty-free withdrawals when you want.
Face to Face Digital is a digital investment solution. It guides you through a series of options to help you decide how best to invest your money.
- Step 1: Choose how much you want to invest initially, and for how long
- Step 2: Select how much you want to add each month
- Step 3: Decide whether you’d like to invest ethically
- Step 4: Consider your appetite for risk and choose the portfolio that best suits you.
You can use the tools within the portal to get an idea of possible future returns, based on your choices**. Once you’ve selected your portfolio and made your initial investment, you’re all up and running.
You are able to log in to the online portal to review and monitor your investment 24/7. With a few clicks it is possible to draw a full management report and download it instantly.
You can withdraw or move your funds at any time if your circumstances change or if you’re not entirely satisfied. You’re not locked in for any time, making this a really flexible option.
All the investment portfolios are managed by Wealthify’s team of discretionary fund managers, not robots, so your investment is benefitting from a wealth of industry experience.
What does investing ethically mean?
With an ethical investment, portfolios only invest in funds which have met specific ethical criteria. For example, some funds will target companies with a positive ethical approach to business. Other funds will exclude companies because they are deemed to be unethical or have a negative impact on the environment.
Who is this service suitable for?
As financial advisers, we know how vital it is for consumers to prepare for their financial futures. Face to Face Digital is a way to provide cost-effective advice to help many more people build a savings pot for the future – by offering automated guidance online via Wealthify’s automated guidance option. It is important to understand that Face to Face Digital will not be providing any advice or personal recommendation. We are simply introducing you to a third party who may be able to help.
Automated guidance is a light-touch, self-service option for people who want to buy basic investment products online to invest in an ISA, a General Investment Account, a Junior ISA or Pension. The option incorporates attitude to risk, capacity for loss and investment projection tools, allowing you to experience a fully online automated process.
If you would prefer an advised service, please email [email protected].
Why choose Face to Face Digital?
By investing via the Face to Face Digital platform, you are in control of your money and your choices. The aim is that you will benefit from a better return than leaving that money languishing in a bank account or cash ISA.**
The service has been carefully designed to provide you with peace of mind in relation to all key portfolio fundamentals: diversification, security, transparency and liquidity. We have access to some of the best fund managers, spanning the largest fund houses in the world! Your investment is in safe hands.
*This service will charge a flat fee of 0.6% per year. Underlying investments within the portfolio also carry annual cost of between 0.15% and 0.72%. For example, if you invest £1,000, you’ll pay around £0.63 per month on a regular investment or £1.08 a month on an ethical investment.
**Please note: This is a non-advised service. If you are in any way unsure or would like to invest larger sums of money, we strongly recommend that you speak to one of Face to Face Finance’s independent financial advisers first. As with all investing, your money is at risk. The value of your portfolio can go down as well as up and you could get back less than you put in. The tax treatment of your investment will depend on your individual circumstances and may change in the future. You should seek financial advice if you are unsure about investing.
Wealthify Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 662530)