Understanding finance is far from simple, choosing where to direct your investments is even more complex, as is managing your savings. The service of financial advice from Moneyfarm. The company has been awarded in Italy by the German Institute of Quality and Finance (which collected the opinion of over one hundred thousand consumers) for the fourth consecutive year as Best independent financial advisory service.
Moneyfarm, founded in 2011 in Milan, is becoming a point of reference among European online companies for asset management, and is authorized and regulated by the Financial Conduct Authority and supervised in Italy by Consob.
They invested in United Ventures, the venture capital fund that invests in early stage startups in the digital sector, Cabot Square Capital, a British investment fund focused on financial services, and Allianz, the world's leading company in the insurance market and among the top 5 of managed savings.
Using the most recent digital technologies, Moneyfarm has developed an innovative model which allows it to provide a quality financial advisory service that is simple, independent, transparent in terms of cost structure and communication as a whole, and at lower market costs than those offered by traditional managers.
The client will be accompanied by a dedicated consultant and will have the opportunity to obtain a free analysis of their existing investments with other managers.
The investment strategy
For an investment strategy to be effective according to Moneyfarm it must be based on three pillars. The first is the diversification between securities, both geographically and over time, whereby spreading the investment increases security and opportunities for returns.
The second fixed point for the company is the choice of investment funds with low management costs, with the aim of reducing the commission impact on client returns.
Finally, the time horizon: according to Moneyfarm, choosing medium-long term investments capable of protecting and growing capital over time is the winning method for achieving the objectives that the client has set for himself.
Investment portfolios
The management team prepares various diversified portfolios in ETFs to satisfy the different types of investors and the different objectives that each intends to achieve. They differ from each other in:
• level of risk/return, represented by a different mix of Asset Classes (shares, bonds, commodities) covering various geographical areas from Italy, Europe, the United States and Emerging Countries
• different currencies considering euros, dollars and other international ones
• sectoral, such as the banking sector, the pharmaceutical sector, and others
• number of tools considered
Depending on the investment amount, the portfolios contain a maximum of 7 funds for investments below €50.000 or a maximum of 14 funds for investments above €50.000.
To build portfolios, Moneyfarm has chosen to use ETFs, i.e. passive mutual funds listed on the stock exchange and which guarantee total transparency on the composition of the fund, allowing for greater and more accurate diversification, reduce investment costs, thanks to low commissions management and very low entry thresholds, and are more liquid and therefore easier to buy or sell because they are traded on the stock exchange daily.
In moneyfarm I found a simple and intuitive platform with an INDEPENDENT financial advisory service. I would have no doubts in recommending MONEYFARM to as many people as possible. TRUST IT!
(moneyfarm discount code for those who want to register, obtaining a 10% discount for the first 6 months of use: MF332496)