Partnering to bring institutional investing to digital wealth management

Moneyfarm wanted to sharpen its competitive edge.

Moneyfarm set out to elevate its pension offering as part of its ongoing commitment to be a Total Wealth Partner – aiming to deliver better returns, lower costs and a more scalable operating model that could support rapid growth. To further stand out in a crowded market, they needed a partner who could enhance both their investment proposition and their operational efficiency. We were ready to deliver.

Understanding the challenge and the opportunity.

Through a series of collaborative workshops, we analysed Moneyfarm’s existing SIPP investment proposition. This revealed clear opportunities to strengthen investment outcomes, reduce costs and build a more flexible product architecture. We also applied our scale and leveraged our relationships with leading investment managers to secure institutional‑level pricing, unlocking cost advantages not typically available to retail providers.

Designing a more powerful, more efficient pension solution.

Moneyfarm’s legacy SIPP was a mix of ETFs and index funds. We worked together to enhance its offering with a comprehensive suite of low‑cost, diversified multi‑asset funds designed to meet the needs of a broad and rapidly growing client base and maintain the performance levels of their investment offerings.

Alongside the investment redesign, we collaborated closely with their newly appointed scheme administrator to build a streamlined operating model capable of supporting more sophisticated strategies without adding complexity.

The result is a pension solution that’s cost‑efficient, tax‑efficient, easier to manage and built for long‑term scalability.

A market-leading proposition, built for growth.

Moneyfarm now has an improved pension proposition that’s innovative and stands out. It’s already supporting strong growth and giving them the flexibility to adapt as their ambitions expand.

Their new fund architecture allows for the easy introduction of additional strategies, that may have been previously out of reach for retail pensions, including the flexibility to incorporate more innovative market solutions, such as private markets, if future needs evolve.

Clear, measurable benefits for Moneyfarm and their clients.

For Moneyfarm Clients

• Lower investment costs, thanks to institutional pricing
• Access to institutional‑quality portfolios, traditionally unavailable to retail investors
• Improved return potential through well‑diversified, expertly designed multi‑asset solutions
• Greater choice, with funds tailored to different needs, circumstances and risk profiles
• A more robust, tax‑efficient pension structure built for long-term outcomes

For Moneyfarm

• Improved margins through lower investment costs and more efficient operations
• A differentiated proposition that clearly stands out in the wealth and pensions market
• Scalable infrastructure designed to support growth without increasing operational burden
• A flexible fund architecture, enabling rapid innovation and product expansion
• Enhanced client satisfaction and retention, driven by a stronger investment story and better outcomes

Moneyfarm is now equipped with a market‑leading pension solution – one that positions them to win new business, deepen client relationships and maintain a competitive advantage in an increasingly dynamic landscape.