Ready-made investments to grow your money
Know when it's right for you and how much to invest.
ISA, LISA and pension guidance with interactive calculators.
Investment funds from the world's leading providers.
Investment calculators
RETURN OVER PREVIOUS 10 YEARS*
*Investment in leading 80% equity fund on our platform, compared to cash.
Investment returns are net of fees. Saving returns use BOE base rate.
Outer Frame Image
Hi, Mo
Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
When to invest
When to invest
Interest from savings can help your money grow, however over time cash will tend to lose value because inflation reduces its buying power. Investing can help protect the value of your money in the longer term.

Investing however exposes your money to risk of the stock market falling - and therefore the value of yoru money falling. These risk are more pronounced in the short-term and so its important to invest money over the longer-term.

We track your goals, preferences and cash balances to identify investment opportunities that don't exposure you to unnecessary inflation or stock market risk.
Sign up
Outer Frame Image
Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
What to invest in
What to invest in
With how much to invest established, we focus on what to invest in. Again, this process starts by understanding your goals and how much risk you're willing to accept.

We've developed our own proprietory tool kit for understanding your risk profile and map the results to a range of leading investment options that meet your needs.

Unlike robo-advisors we offer investment funds from the worlds top providers to ensure you're getting best in class products. Each investment can be help in an Optimly ISA - subject to annual limits - to ensure your money can grow tax-free.
Sign up
Outer Frame Image
Hi, Mo
OPTIMISE
New optimisations
+ £885
Messages
! You have £14,250 of this year's ISA allowance remaining.
Optimisations
Save: + £531
Your net savings rate is 2.9% AER. We predict that switching accounts will leave you £531 better off over the year. Over 5 years this grows to £3,152.
Invest: + £354
Your savings are £6,942 above target. We predict that moving this money into your investment ISA would be worth an extra £354 a year, or £2,191 over 5 years.
Portfolio
Net worth
£21,094.67
14.81%
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
Rate map settings >
Personalised guidance
Personalised guidance
While we can identify opportunities and make recommendations we recognise that investing can be very personal and you may have questions about other investments options.

Our chat function is trained to answer questions on a a wide range of topics and the responses are individually tailored to your circumstances to ensure any informaiton we provide is relevant and easy to understand.

Like all of our services, you can access chat AI 24/7. It will always provide you with an answer based on live market information, product data and your own individual preferences.
Sign up
Leading funds on our platform
Total Return Annualised Return
20% Equity

Legal & General LGIM

20% Equity
5Y Return
Multi-Index 3 Fund
12.7%
40% Equity

Newton

40% Equity
5Y Return
Multi-Asset Diversified Return
36.7%
60% Equity

Royal London

60% Equity
5Y Return
Sustainable Diversified Trust
46.8%
80% Equity

Janus

80% Equity
5Y Return
Global Responsible Managed
60.2%
100% Equity

Liontrust

100% Equity
5Y Return
Sustainable Future
81.9%
* When investing your capital is at risk. Past performance is not a reliable indicator of future returns. The value of investments, and the income from them, may fall or rise and you might get back less than you invested.
What these numbers mean
Our service options
Our toolkit and guidance is free to access so cost isn't a barrier.

Guidance

Guidance & recommendations
Guidance
& recommendations
£0

ISA

Stocks & Shares
ISA
Stocks & Shares
ISA
0.25%

GIA

General Investment Account
General
Investment Account
0.25%

SIPP

Self-invested
Personal Pension
Self-invested
Personal Pension
0.25%
Fee calculator
Try our investment calculators
Use our calculators to explore the benefits of investing.
Investment calculators