How can I change my portfolio?

You can change your portfolio whenever you need to. Your goals or financial situation might have shifted since you first started investing with us.

Here's how to change it:

1. Go to your Portfolio screen in the app
2. Scroll down and tap See details
3. Select I'd like to change portfolio

You'll then complete the questionnaire again. We'll ask about your investment timeline, financial situation, and comfort with risk. Based on your updated answers, we'll match you with the portfolio that fits you best.

Your new portfolio will be active once we process the change. The allocation will also be adjusted. This takes a few days as the necessary shares must be sold and bought. You can learn more on how the investments work.

There's no cost to switch.

What are the different portfolios?

Growth: Perfect for investors with at least 10 years until they need their money and a stable financial foundation with an emergency fund in place. This 100% stock portfolio suits those who can emotionally handle significant short-term fluctuations in exchange for the highest long-term growth potential.

Energetic: Ideal for investors with a 7-10 year investment horizon who want strong growth potential but prefer some stability. This blend of 70% stocks and 30% bonds works well for those with steady income who can handle moderate volatility while building towards major life goals.

Smooth: Designed for investors with a 5-7 year timeline who seek balanced growth with reduced ups and downs. With equal parts stocks and bonds, it's suitable for those approaching significant financial milestones who want growth but need more predictable returns than pure stock investing.

Calm: Best suited for investors with a 3-5 year horizon or those who prioritise capital preservation over aggressive growth. This conservative mix of 30% stocks and 70% bonds appeals to investors nearing retirement or major expenses who still want some growth potential with minimal volatility.

Protective: Our most conservative option, perfect for investors with shorter time horizons or those who prioritise preserving their capital above all else. With only 15% stocks, it's ideal for risk-averse investors or those approaching immediate financial needs who want to avoid significant losses.

Learn more about the specific allocations and performance of each portfolio on our Portfolios page.

Updated on: 01/09/2025