Wealthify vs Vanguard - which is better?
| Wealthify (an Aviva company) | Vanguard | |
| Minimum investment | £500 (or £1 for JISA) | £500 or £100 monthly investment |
| Platform fees | 0.60% flat fee
Additional underlying fund charges |
0.15% (minimum £4 for self-managed products but capped at £375 for accounts over £250,000)
0.35% annual account fee for its Managed ISA Additional underlying fund charges |
| Services | Original Plans
Ethical Plans |
LifeStrategy funds
Target Retirement funds Build-your-own portfolios Personal financial advice for retirement planning |
| Products | ISA, GIA (General Investment Account), Junior ISA and SIPP, Instant access savings account (earn 3.35% AER variable paid monthly) | ISA, GIA (General Investment Account), Junior ISA, SIPP
Managed ISA Managed SIPP |
| MttM offers | N/A | Not applicable |
| Customer reviews (Trustpilot) | 4.4/5.0 | 4.5/5.0 |
Wealthify vs Vanguard - services
Both Wealthify and Vanguard Investor have ranges of risk-rated, multi-asset portfolios designed to meet the needs of a variety of investors. Wealthify has a choice of 5 portfolios in both its original and ethical ranges:
- Cautious
- Tentative
- Confident
- Ambitious
- Adventurous.
Vanguard also has 5 options in its Lifestrategy portfolios, ranging from one with 20% equity exposure through to 100% equity exposure. They are as follows:
- LifeStrategy 20%
- LifeStrategy 40%
- LifeStrategy 60%
- LifeStrategy 80%
- LifeStrategy 100%
The Target Retirement portfolios, meanwhile, are structured based on when you want to retire. It also has the option for you to build your own portfolio, choosing from across its range of around 85 Vanguard funds.
Wealthify vs Vanguard - products
Both Wealthify and Vanguard offer the products you would expect from large-scale platforms: ISAs, General Investment Accounts, Junior ISAs and SIPPs. However, they don't have Lifetime ISAs or Junior SIPPs, which are offered by some of their competitors. If you are particularly interested in these products, read our articles "Compare the best and cheapest Lifetime ISA" and "Best and cheapest Junior SIPPs".
Wealthify vs Vanguard - minimum investment
Wealthify allows you to invest from as little as £500 if investing in a Stocks and Shares ISA, General Investment Account or Pension. Those interested in a Junior ISA can invest from as little as £1 with Wealthify. With Vanguard, investors can start with a lump sum of £500 or a regular investment of £100 per month.
Wealthify vs Vanguard - fees
Vanguard Investor's platform fee of 0.15% (minimum £4 but capped at £375 for accounts over £250,000) is competitive and can work out cheaper than Wealthify if you invest more than £8,000. Wealthify's 0.6% fee would be cheaper for those with less than £8,000 to invest. It's also worth noting that Vanguard only offers portfolios consisting of its own in-house funds, while Wealthify offers exposure to funds in a variety of different investment houses.
Wealthify vs Vanguard customer reviews
According to the independent customer review site Trustpilot, Wealthify has a score of 4.4 out of 5.0, while Vanguard has a score of 4.5 out of 5.0. Both have an official rating of "Excellent". Both platforms are praised for their customer service, while Vanguard's low fees are also singled out as a reason for its high rating.
Summary - Wealthify vs Vanguard
On the surface, Wealthify and Vanguard have very similar propositions, with the same products available and 5 risk-rated funds consisting of passive investments. The difference comes in the price, with Vanguard working out cheaper than its rival if you invest more than £8,000, as well as Vanguard's option to build your own portfolio. However, Vanguard only offers its own funds within its portfolios, while Wealthify has funds from different investment houses.
For more details on each platform, read our Wealthify review and Vanguard Investor review.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
£200 Pension Cashback Offer
Make a qualifying deposit or transfer a pension to our partner Interactive Investor.
- Deposit or transfer a pension of at least £20k and you could earn £200 cashback
- Terms and Fees apply, Capital at risk
- New & Existing customers opening a SIPP
- Offer ends 30th June 2026
Before starting your transfer, check you won't lose any valuable benefits (such as guaranteed annuity rates or a lower protected pension age) and find out what exit fees you might have to pay
