No investing experience necessary

Our approach

Your money is invested using a number of funds. Funds contain a collection of investments and are a convenient and cost-effective way to invest.

Some of these funds contain shares, but they also contain other good stuff, like bonds, property and commodities (such as precious metals, energy and agriculture). This is known as diversification and is a way to spread out your risk.

The mix of funds will change over time and depends on your attitude toward risk, as well as how financial markets are doing. Always bear in mind, the value of your investments can go down as well as up.

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Passive investing

We use mostly low-cost passive investments, such as ETFs and mutual funds. These let your money track a market index like the FTSE 100 in the UK, and many others around the world. Passive investing is proven to be more effective long-term than an active investment strategy, where fund managers pick the stocks they think will do best.

We use funds from leading providers to build your plan

Simulated Past Performance

Here’s how we performed across the full range of connectpx Plans, from Cautious to Adventurous, between 1st March 2016 and 31st June 2019, after all fees have been taken (based on 0.7% connectpx management charge). These figures are based on the performance of Plans worth more than £750, and will be different for Plans below that amount.

The above graph illustrates past performance for Original Plans only. The past performance data shown is simulated, but it represents real transactions we’ve carried out for actual customer Plans across each of our five Investment Styles. Simulated past performance is not a reliable indicator of future performance.

Investment Style 01/07/2014 - 01/07/2015 01/07/2015 - 01/07/2016 01/07/2016 - 01/07/2017 01/07/2017 - 01/07/2018 01/07/2018 - 01/07/2019
Cautious n/a n/a 4.99% 0.80% 3.83%
Tentative n/a n/a 7.21% 1.86% 3.92%
Confident n/a n/a 9.58% 2.84% 3.76%
Ambitious n/a n/a 11.25% 4.13% 3.56%
Adventurous n/a n/a 13.77% 5.32% 3.42%

How we invest your money

Our aim is to make sure your investments take full advantage of the good times, and are sheltered from the bad.

We call this rebalancing and we do it to ensure the optimal mix of investments and keep your Plan on track.

Our experts constantly watch out for these events - some predictable, and some not - and they make changes to your plan to try and lessen their impact.

Whilst investing is a long-term game, sometimes big events can rock the boat in the short term.

To help our experts make this decision we use smart algorithms as well as good old-fashioned, human brainpower.

Firstly, we take a long-term view of the world, considering a number of important factors to decide where best to invest.

Our investment strategy

Read about our current investment outlook, and see what we are investing in and why.

How we invest

Learn about connectpx’s investment philosophy and how our investment decisions are made.

How we invest

Take a look at the fact sheets for each risk level, showing what’s in each of these Plans.

How we invest


Can I pick stocks or choose what I invest in?

No, that’s what we’re here for. We build your investment plan based on what you tell us about your attitude to risk with money, how much you have to invest, and by when you hope to reach your savings goals. Then we monitor your investments to make sure they’re on track.


Your money is looked after by a team of qualified investment managers with experience in established UK firms like Brooks Macdonald, HSBC Asset Management, Man Group Plc, RAW Capital Partners in Guernsey, Euler Hermes in Paris and Standard Chartered in New York. Our experts have developed an investment system that uses algorithms and industry experience to pick the best funds available to you, then builds you an investment plan that suits your goals and attitude to risk. And because things are always changing in the financial markets, our team monitors and adjusts your plan regularly, to make sure your money is always invested in the best places. You can follow this link to find out a little about what the investment team are currently thinking.
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