What is 80‑20 Investor?

80‑20 Investor empowers DIY investors to make investment decisions, minimising effort while maximising returns.

Through screening thousands of funds, 80‑20 Investor harnesses the power of momentum investing. To safeguard against market fluctuation, built-in stop loss alerts can help protect investments.

What you get with 80‑20 Investor

  • Exclusive weekly and monthly market insight emails
  • Regular investment research articles
  • Monthly ‘Best of the Best’ fund shortlist split by low, medium and high risk
  • Weekly ‘Best funds by Sector’ shortlist
  • Stop loss email alerts to help protect your investments
  • Ability to ask questions to Damien Fahy, founder of 80‑20 Investor
  • Exclusive access to see Damien’s £50,000 portfolio and the changes he makes
  • Access to 'Chatterbox', our online community to exchange ideas with other investors

80‑20 Investor’s performance

Do you have proof 80‑20 Investor works?

We track the performance of our fund shortlist versus the market and professional fund managers. Unlike any other investment expert or service, to prove performance we’ve invested £50,000 of real money to show how 80‑20 Investor can be used to successfully run your own money.

Since it's initial investment, this portfolio has grown significantly. It has outperformed the market, passive investing strategies and 90% of professional fund managers.

In the first 17 months the portfolio made over 11% while the market made 2.81%.

How much money will I make?

There are no performance guarantees with 80‑20 Investor. 80‑20 Investor empowers members to make informed investment decisions.

You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up, so you may get back less than you originally invest.

Live progress of the 80-20 Investor portfolio

  • 8.89%
  • 6 Month
  • 14.30%
  • 1 year
  • 44.66%
  • 3 year

How 80‑20 Investor works

What types of financial products are monitored by 80‑20 Investor?

Our analysis covers Unit Trusts, Investment trusts and Exchange-Traded Funds (ETFs).

How many funds are monitored?

We analyse thousands of unit trusts, investment trusts and ETFs. We only look for the best opportunities for UK investors. As we are not linked to any fund platform or stockbroker our research is truly independent and not restricted in any way.

What is momentum investing?

Momentum investing is an optimisation strategy based on trends in the investment environment. It is one of few approaches to consistently outperform others over the long term.

The key to momentum investing is identifying the latest trends, riding the best and strongest until they’ve run their course or better opportunities arise. Due to the time and data required to do momentum analysis, often only professional investors and institutions have access to it.

Is 80‑20 Investor just momentum investing?

No. 80‑20 Investor is a unique algorithm which enhances the power of momentum investing. It considers other investment factors to risk-adjust for the best performance. The numerical analysis 80‑20 Investor provides identifies some of the best trends to follow. Other techniques, such as value investing, can also be effective so 80‑20 Investor provides analysis on these too.

Does 80‑20 Investor constitute financial advice?

80-20 Investor does not constitute financial advice.

Material in email, on MoneytotheMasses.com or within 80-20 Investor and associated pages/channels/accounts are for general information only and do not constitute advice. As such we do not need to be regulated by the Financial Conduct Authority.

Information provided is not intended to be relied upon by readers in making (or not making) specific investment decisions. You should get appropriate independent advice before making any such decisions.

For full details, see our Terms & Conditions, Privacy Policy and Disclaimer.

How is 80‑20 Investor funded?

80‑20 Investor is funded by membership fees. We do not take money from your investments.

Tracking your portfolio

How do I track the performance of a portfolio?

80‑20 Investor helps identify investment opportunities based on our own independent quantitative and qualitative research. You can then use your fund platform provider to purchase funds and monitor performance.

How much time will I need to track my portfolio?

80‑20 Investor is designed so you get the largest gain from any time invested. We have regular members accessing the platform every week, or other members visiting once a month. The amount of time you wish to spend is up to you.

When should I consider changing my portfolio?

Research shows reviewing your portfolio every six months dramatically increases portfolio performance.

80‑20 Investor allows DIY investors to review their funds as often as wanted with data being updated weekly.

Become an 80-20 Investor

Our research and 80-20 algorithm finds the best funds to invest in, doing the hard work for you.

About Damien Fahy

Founder of 80‑20 Investor

With many radio and TV appearances, Damien Fahy is a frequent face on the UK personal finance scene. Having worked in London City for many years, Damien is often looked to in the financial press for actionable personal finance guidance.

To date, Damien has helped over 1 millon people succeed with their finances using Money to the Masses. With frequent newsletters, podcasts and 80-20 Investor's unique insights, Damien leads on delivering transparent financial guidance to the UK.

More about Damien

Investing using 80‑20 Investor

How do you make an investment?

80‑20 Investor provides insight and information only. Members make the ultimate decision and invest via a fund platform or investment broker.

Do I need to use a particular fund platform or broker?

No, as long as they don’t charge you for switching in and out of funds you can use any fund or investment platform. The most popular investment platform used by our members is Hargreaves Lansdown because of its wide fund choice.

What's the minimum amount I need to invest to make 80‑20 Investor worthwhile?

There is no minimum investment amount. As a guide, typical 80‑20 Investor members invest £10,000+.

What are stop loss alerts?

80‑20 Investor provides stop loss alerts on our ‘Best of the Best’ selection to help members avoid a severe market correction. If the main share price of any of these funds falls by 5% from its monthly high, all members receive an email. They are a trigger to do a portfolio review and consider switching funds or into cash.

Reviews from 80-20 Investors

Managing your account

Can I pay using a debit/credit card?

You can pay directly by debit or credit card through the PayPal payment system. To do this, you will need a PayPal account, with the money will be taken directly from your chosen card.

We use PayPal as it has industry-leading security. We do not collect or store members’ debit/credit card details.

How do I upgrade my subscription?

To upgrade, go to My Account and select the plan that you wish to change to. The upgrade will come into effect when your next payment is due.

How do I cancel my account?

You cancel your account at any time. To cancel, go to My Account and select ‘Cancel My Subscription’.

After cancelling your account you will have access to 80‑20 Investor for the rest of your agreed term. After this, you will no longer have access to paid-for membership areas. No money will be taken when you reach the end of your agreed term.

How do I re-join after cancelling my account?

Login and access My Account and select the plan that you wish to sign up for. As you will have already had a free trial, your first payment will be taken immediately.

How does the money back guarantee work?

For annual and biennial membership, we offer a 30‑day money back guarantee in addition to our 30‑day free trial. This means you can try 80‑20 Investor for free for up to 60 days!

After the free trial ends we take your membership payment. If you are not happy with your 80‑20 Investor membership, you have until 30 days after payment has been taken to cancel your account and ask for a refund under the money back guarantee.

Terms & Conditions

The material in any email, the MoneytotheMasses.com website, associated pages / channels / accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. See full Terms & ConditionsPrivacy Policy and Disclaimer. Neither MoneytotheMasses.com or 80-20 Investor nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested. Information provided by MoneytotheMasses.com and 80-20 Investor is for general information only and not intended to be relied upon by readers in making (or not making) specific investment decisions. Appropriate independent advice should be obtained before making any such decisions. Leadenhall Learning (owner of MoneytotheMasses.com and 80-20 Investor) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions. The tables and graphs are derived from data supplied by Trustnet. All rights Reserved.

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