In need of a little more help?
1. Why Moneyfarm and AllianzGI?
What is Moneyfarm powered AllianzGI?
Moneyfarm powered by AllianzGI is a digital investment management program originally launched for the benefit of UK based employees of the Allianz Group of companies. The solution marries best-in-class Allianz funds and active asset allocation strategies with Moneyfarm’s transparent, easy-to-use digital platform. Restricted investment advice is part of the offer so you don’t have to be an experienced investor to find the funds that are right for you.
Why did you launch Moneyfarm powered by Allianz Global Investors?
As part of the Allianz Group’s Renewal Agenda (“building on our strengths, tackling the challenges of the present and the future in a proactive way”), Allianz intend to accelerate digitalization through investments in and partnerships with innovative start-ups. Allianz Ventures have bought a minority stake in Moneyfarm and are one of Moneyfarm’s shareholders. Moneyfarm powered by Allianz Global Investors combines Allianz Global Investors’s investment capabilities and outstanding PIMCO and Allianz Global Investors actively managed mutual funds with Moneyfarm’s transparent, easy-to-use digital platform, all of this enriched by a great pricing proposition.
Can I customise the suggested portfolio?
No, at the moment we only offer a discretionary portfolio management service. If you are not comfortable with the portfolio we have recommended to you, we always suggest you to speak to one of Moneyfarm’s investment consultant seek for further advise.
What is a model portfolio?
A model portfolio is a theoretical approach that is used by the Moneyfarm investment teams as a basis for your asset allocation. Your investments will therefore be managed following the model portfolio that suits your profile, having assessed your risk appetite and investment goals. For smaller investment amounts (below £ 1,500) the composition of your portfolio may differ from the model portfolio’s composition. Please contact Moneyfarm if you would like to know more at firstname.lastname@example.org.
Will I receive investment advice?
Moneyfarm gives restricted investment advice and provide discretionary portfolio management services. Initially, you will be asked a series of questions to determine your financial knowledge, experience, risk appetite, and objectives (amongst other factors). Moneyfarm then recommend you an investment portfolio which is in line with your investment objective. This constitutes the provision of restricted investment advice, as Moneyfarm take selected personal circumstances into account in providing you with a recommendation. Once you select the portfolio, Moneyfarm offer you a discretionary portfolio management service. This means that once you have taken the decision to invest in the recommended portfolio, the Moneyfarm investment team makes decisions to buy and sell your investments on your behalf, based on the investment recommendation provided by Allianz Global Investors. Moneyfarm will always bear in mind your financial objectives and risk profile. You do not have to give your consent for every transaction; instead, you agree that Moneyfarm will take responsibility for your investments when you accept the Terms and Conditions. Moneyfarm manages your account with experience, care and in accordance with the information you give us.
How much do I have to invest with Moneyfarm powered by AllianzGI?
There is no minimum level of investment to open a Moneyfarm powered by AllianzGI account. You can start from £ 1 to be assigned a portfolio, and top up as much as you want. We suggest to invest at least £ 1,500 so that your money can be invested in a well-diversified portfolio. If your initial lump sum investment is lower than £ 1,500 we will suggest you top-up either with a regular payment or an additional lump sum. Having an amount under £ 1,500 would mean that your portfolio’s asset allocation will not be balanced and the level of risk of your portfolio may not match your investor profile.
What stops me from replicating your portfolio on another platform?
Theoretically nothing. You could replicate your initial portfolio on your own brokerage account or execution-only platform. However, redefining the optimal Strategic Asset Allocation, selecting the best underlying mutual funds, rebalancing and monitoring your portfolio based on a robust, award-winning dynamic multi-asset investment process requires time, effort and skills. You would also incur additional trading fees and won’t be in a position to profit from institutional share class prices, thereby potentially reducing your returns over time.
How is the performance of my portfolio calculated?
The performance of your portfolio is calculated using the money-weighted method, net of fees and mutual fund costs. This means that it takes into account any contributions and disinvestments that may occur over time. This method differs from the time-weighted in that the latter ignores the effect on performance of inflows and outflows. In essence, for a portfolio with no additional contributions or disinvestments, the money-weighted rate of return and the time-weighted rate of return are the same.
Can I use Moneyfarm powered by AllianzGI if I am not a UK resident?
Currently we can only open accounts for individuals over the age of 18 living in the UK. If you have any questions regarding this please contact Moneyfarm via email (email@example.com) or telephone 0203 745 7530.
I am a US Citizen, can I invest with Moneyfarm powered by AllianzGI?
Yes, provided you are a UK resident. Moneyfarm powered by AllianzGI is FATCA compliant and a registered FFI with the U.S. Internal Revenue Service. As a US Citizen you will be asked to provide a FATCA self-certification form: please refer to the FATCA FAQs section for more information. Always seek advice from your tax advisor to understand the implications of investing whilst living abroad.
Can I have more than one portfolio with Moneyfarm powered by AllianzGI?
Yes, you can build multiple portfolios when investing with Moneyfarm powered by AllianzGI to match your different investment targets, e.g. buying a car or saving for buying a home. The risk level of your portfolios can differ depending on your specific investment target for each. The underlying composition (mutual funds) will be the same for those portfolio at the same risk level.
Can I add or remove money from my initial investment?
Yes, you can always increase or decrease the invested amount, but don’t forget that your portfolio is tied to your financial objectives. So it’s always best to contact the Moneyfarm investment consultants if you would like to move a large amount of money as this will impact your ability to reach your financial objectives.
3. ISA & ISA Transfers
What is an ISA?
An Individual Savings Account (ISA) is a form of investment created by the UK government that gives you a tax-free allowance. There are two main types of ISAs: Cash ISAs and Stocks and Shares ISAs. You can only pay into one Stocks and Shares ISA and one Cash ISA in each tax year, but you can open a new ISA with a different provider each year if you want to.
How much is the ISA allowance?
Every tax year runs from 6 April until 5 April of the following year. The government can change the ISA allowance every year.This tax year 2016-17 you are allowed to put up to £ 15,240 into your ISA (tax year 2015-16: £ 15,000; tax year 2014-15: £ 11,520). The following tax year 2017-18 you will be allowed to put up to £ 20,000 into your ISA. You can pay your whole allowance into a Stocks and shares ISA, a Cash ISA, or a combination of these. So even if you have a Cash ISA elsewhere, you can still open a Moneyfarm powered by AllianzGI Stocks and Shares ISA. You can choose between making a lump sum investment and/or making regular or ad hoc contributions throughout the tax year. Your yearly ISA allowance expires at the end of the tax year and any unused allowance will be lost. It can’t be rolled over to the following year. With Moneyfarm powered by AllianzGI you can invest more than the ISA allowance but any investments outside the ISA allowance will not be sheltered from tax.
Can I withdraw money from my ISA?
You can take money out of your Moneyfarm powered by AllianzGI ISA whenever you want. When you do this it will not impact your ISA allowance from that tax year. From 6th April 2016 you can take money out of a Cash ISA or a Stocks and Shares ISA and put it back in without losing that part of your allowance, provided you put it back in the same tax year.
What are the requisites to open an ISA?
To open a Stocks and Shares ISA you must be at least 18 years old and must be a UK resident for tax purposes. Please note that you will need your National Insurance Number on hand when opening an ISA account.
What are the tax benefits of an ISA?
Any gains made by selling investments within your Stocks and Shares ISA are not subject to capital gains tax. Any losses made on your investments in your Stocks and Shares ISAs can’t be used to offset capital gains on your other investments. Remember, there is an annual Capital Gains Tax exemption amount (£11,100 for the 2017/18 tax year ) which you can claim on your annual tax return. If you’re likely to make capital gains of more than this, you’ll benefit from using an ISA. Investments that pay interest (e.g. government and corporate bonds), or rental income (such as some property funds) provide 100% tax-free income if held within an ISA and therefore offer tax benefits for everyone. If you’re a higher-rate or additional-rate taxpayer, dividends earned from non-ISA investments incur tax of 32.5% to 37.5% (although 10% of this is automatically deducted before you receive the dividends). However dividends paid from Stocks and Shares ISAs come with a non-refundable 10% ‘tax credit’ – this amounts to a 10% tax deduction. If you are a Basic rate taxpayer, you don’t pay additional tax on dividends. The tax treatment of a Moneyfarm powered by AllianzGI Stocks and Shares ISA depends on your individual circumstances and may be subject to change in the future. Moneyfarm do not provide tax advisory and you may wish to seek tax advice if you are unsure about investing in an ISA.
Do you offer a Cash ISA?
No, we currently only offer a Stocks and Shares ISA. Moneyfarm is an investment manager so our work is primarily focused on providing the best possible Stocks and Shares ISA to our customers.
Do you offer a help-to-buy ISA?
No, the help-to-buy ISA is currently a Cash ISA, not a Stocks and Shares ISA. The government has stated that help-to-buy ISAs will be made available through banks and building societies. Despite this we are reviewing all regulations surrounding the help-to-buy ISA scheme in detail and will let you know if anything changes.
Do you offer a Junior ISA?
No, not at this current time. We hope to bring a junior ISA to our customers in the near future but for now we do not offer this type of account. Please keep an eye on our mailings for indication to when we will be releasing the Junior ISA.
Can I transfer existing ISAs with other providers to a Moneyfarm powered by AllianzGI ISA?
Yes. You can transfer existing ISAs from other providers by simply completing a Moneyfarm powered by AllianzGI ISA transfer form. This should be returned to us and we will then contact your existing ISA provider to arrange the transfer. It will be possible to transfer both Cash ISAs and Stocks & Shares ISAs to Moneyfarm powered by AllianzGI, however we will always hold your investments in a Stocks & Shares ISA. We do not currently offer a Cash ISA. Any Stocks and Shares ISA that is transferred won’t hold the same investments as before. We instruct the current ISA manager to sell the investments and transfer the ISA as cash for us to invest. This preserves your ISA’s tax-efficient status and allows us to manage it in the most appropriate way for your goals, timeframe and attitude to risk.
If I transfer an ISA will it count towards my ISA allowance?
ISA transfers do not count towards your annual ISA allowance. Any additional savings or investments you make within the tax year on top of your existing ISA savings and investments, will count towards your annual allowance for the tax year. An ISA transfer does not count as a new ISA subscription, so if you are transferring ISAs from previous tax years, this has no impact on your ISA allowance for the current tax year.
How much of my ISA can I transfer?
It is possible to transfer all or only part of your ISA allowance to a different provider. However, if you have already made an ISA subscription for the current tax year, and wish to transfer that money to a new provider, you will have to transfer the total ISA.
How long does it take to transfer an ISA?
Once your Moneyfarm powered by AllianzGI ISA transfer form is received, Moneyfarm will work with your current provider to transfer your ISA to our service – safely and securely. This normally takes between 15 and 30 days, but is completely dependent on your current provider.
When can I transfer my ISA?
You can transfer an ISA at any time, and you can transfer as often as you like. Remember, if you have saved into a fixed rate Cash ISA there may be a penalty if you transfer before the end of the fixed term.
How do I transfer my ISA investments to another ISA manager?
If you would like to transfer your investments to another manager, please contact them and ask them to arrange the transfer with Moneyfarm. Please be aware of the following: • We cannot transfer your holdings as funds, only cash. • In accordance with this, all assets will be liquidated within 7 days upon your request to transfer. • There is no dealing commission charged when we sell your funds. • There will be no charge for closing your account with us.
How do you understand my attitude to risk?
Moneyfarm developed a questionnaire-based algorithm that measures your financial risk propensity/ aversion, and combines it with other psychological characteristics that influence your relationship with investments e.g. anxiety, confidence, auto control etc. The final result will be your risk profile which will be assigned to one of the 6 profiles available.
Why do you need to assess my risk profile?
Your risk profile represents you as an investor in terms of your risk propensity/ aversion, income and financial situation. By profiling you Moneyfarm can understand your characteristics, give you a better advice and optimise your portfolio by suggesting the one that would suit you the best.
How do you calculate fees?
The annual advisory and discretionary management fee charged by Moneyfarm is currently 0.3%. Fees are charged quarterly and calculated as the sum of the daily portfolio value, multiplied by the annual fee, divided by 365.
What is included/excluded from the advisory and discretionary management fee?
All the costs related to an investment, disinvestment, rebalance or any kind of operation on your portfolio are included, as well as the entry and exit fees. Fund management fees are not included in this fee and will not appear as a separate charge, as they are factored into the performance of your individual mutual fund investments. Moneyfarm powered by AllianzGI uses Allianz Global Investors and PIMCO funds which are charging lower management fees compared to the same retail mutual funds. On average by investing with Moneyfarm powered by AllianzGI you will incur a cost of currently 0.8% per annum. Fund management fees currently range between 0.3% and 0.8% per annum per underlying mutual fund, on average ca. 0.5% per annum over all portfolios.
How do I pay the fees?
You don’t have to do anything. If you have invested any money with Moneyfarm powered by AllianzGI, we will charge you the fees automatically and deduct them from the cash held on your account. You will always have a small percentage of cash within your portfolio, around 3%, which Moneyfarm will use to take the fees. Cash will also act as an important, optimally weighed asset class within your portfolio.
Do mutual funds come with any charges?
With Moneyfarm powered by AllianzGI you get access to institutional share class prices of Allianz Global Investors and PIMCO mutual funds. These share classes and their respective charges are usually reserved to institutional clients investing several GBP millions in each of the funds. On average you’ll incur fund management fee charges of 0.5% per annum deducted directly from the value of your portfolio. This is much lower compared to the same retail mutual funds, where this fee can be as much as 1.42% (Source: Investment Association) and where initial charges, exit fees, transaction fees and performance fees could be incurred.
6. Funding your Account
How do I add funds to my account?
There are several quick and easy ways for you to make contributions to your Moneyfarm powered by AllianzGI account. If you are setting up a monthly contribution you can do this by direct debit. Simply click on ‘Add funds’, select the date you would like to make the contribution and the “Online Transfer” option as the Payment Method. If you prefer you can set up a standing order with your bank, please call the Moneyfarm Investment Consultants team if you wish to do this. If you are setting up a one time contribution you can do this via Direct Debit or bank transfer. If you select Direct Debit you don’t have to do anything, Moneyfarm will debit your account the amount you select. If you select Bank Transfer you will need to manually transfer the funds via your own online banking to Moneyfarm using the reference code and bank details provided during the setup. Please note if you have multiple portfolios with Moneyfarm, the reference code used for cash transfer into each of your portfolio will be difference.
Can I transfer funds from a bank account in somebody else’s name?
No. Due to current regulations Moneyfarm can only accept contributions that come from the bank account you signed up with. However, you can use a joint bank account.
How do I change the bank details linked to my account?
To change the bank details you signed up with you will need to email the Moneyfarm Investment Consultants team with any official document showing your name, sort code and account number. If easier this can be a screenshot or a photo of the document. Moneyfarm don’t need to know any details of any previous transactions, you can crop these out of the document you send.
Can I use Direct Debit to make a one time payment?
Yes. Although Direct Debit is most commonly used for monthly payments, you can also set up a one time Direct Debit through the Moneyfarm powered by AllianzGI platform. When you add funds simply select one time payment and the Online Transfer option, and the platform will guide you through the rest.
Can I set up more than one Direct Debit?
If you have multiple portfolios you can set up a separate direct debit for each one. Due to regulation all payments must come from the same bank account. If you need to change your bank account on record you can contact the Moneyfarm Investment Consultant team and they will guide you through updating it.
When will you take the Direct Debit?
For monthly contributions, Moneyfarm will collect the money from your bank on or around the date you chose when you set up the Direct Debit. For example, if you chose the 6th of every month we will take the payment sometime between the 4th and 8th of that month depending whether there is a weekend around that time or not. For one time contributions we will take the payment as soon as possible. Please note that it may take up to 6 business days to set up your Direct Debit mandate, therefore your first payment will take slightly longer. Once mandate is confirmed, any future one off contributions will be collected 3 business days after the request was created from your account.
When will the funds appear in my Moneyfarm powered by AllianzGI account?
If you have sent funds to Moneyfarm via bank transfer, it normally takes 1-2 working day for the money to show up in your account. However some banks can take up to 2-3 working days. Once allocated into your Moneyfarm account, funds are then normally traded the next working day. For direct debit payments (both one-off and monthly), each collection takes additional 3-4 business days to be processed and allocated. This is caused by the inherent bank processes where each collection has to be verified and transferred to the custodian bank.
What is the Direct Debit Guarantee?
Organisations using the Direct Debit Scheme go through a careful vetting process before they’re authorised, and are closely monitored by the banking industry. The efficiency and security of Direct Debit is monitored and protected by your own bank or building society. The Direct Debit Guarantee applies to all Direct Debits. It protects you in the rare event that there is an error in the payment of your Direct Debit*. The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation. * The Guarantee covers Direct Debit payments. It cannot be used to address contractual disputes between you and the billing organisation.
Is there a limit to how much I can deposit in my Moneyfarm powered by AllianzGI account using Direct Debit?
Yes. There is currently a £16,000 monthly limit if you chose to pay in via Direct Debit. If you wish to contribute larger sums on a monthly basis please set up a standing order with your bank or contact the Moneyfarm Investment Consultants team to discuss.
How do I cancel a monthly Direct Debit?
You can cancel a monthly Direct Debit by going to your Funding Details page. From there you can cancel a specific Direct Debit by clicking on the ‘x’ in the table. How do I withdraw my money? They will need to select Decrease Investment, which takes roughly 3-4 business days to settle in Available Cash. They can then request for the funds to be returned back to the original bank account via Funding Details.
7. Terms of Service
Am I locked in?
No, you can withdraw your money whenever you like without paying any additional fees. With Moneyfarm powered by AllianzGI there’s no minimum investment period but keep in mind that when investing you should have a long term approach.
How can I cancel my Moneyfarm powered by AllianzGI account?
Signing up is free and carries no obligation to invest. We don’t charge you anything until you transfer money into your Moneyfarm powered by AllianzGI account. You can close your account and withdraw your money whenever you want. After closing your account, Moneyfarm hold your personal information for a time as required by law. You should always remember that investments are subject to market risk and if you do invest you may not get back the sum you invested.
I’m subject to personal account dealing rules, what happens?
If you work in certain professions (e.g. financial services, consulting, legal and accounting firms or government departments) you could be subject to restrictions on the types on securities that you can invest in. These restrictions may prevent you from holding certain securities, enforce a minimum holding period, restrict trading periods, force the sale of a security and so on. Generally, discretionary investment accounts — like the one that Moneyfarm Powered by AllianzGI offer — are exempt from these rules as the decisions about which underlying securities to invest in are made by the discretionary portfolio manager, not the individual. This usually makes your investment choice greater and your life easier, since you may no longer need to seek approval from your employer for any investment transactions made by the discretionary portfolio management firm. This depends on the personal account dealing rules to which you are subject and not all employers have the same requirements. So please check with your employer. Moneyfarm is able to provide you with a certificate of mangaed account or verification of the discretionary status of your Moneyfarm powered by AllianzGI portfolios upon request.
Is my personal information and data secure with you?
Your privacy is important to us. Moneyfarm takes serious precautionary measures to ensure that your personal details are held in absolute confidence. Your personal details and your account data are always encrypted and stored on secure servers. Allianz and its entities or its representatives never have access to any of your personal details.
Is Moneyfarm regulated?
Yes. Moneyfarm as the discretionary portfolio management company behind Moneyfarm powered by AllianzGI is authorised and regulated by the Financial Conduct Authority (FCA) no. 629539. Details of our authorisation can be found on the Financial Services Register by clicking here.
Is my money safe?
As an investment firm authorised and regulated by the FCA, Moneyfarm as the discretionary portfolio manager behind Moneyfarm powered by AllianzGI is obligated to segregate client funds and own assets. This means that your money and investments are held separately from Moneyfarm’s own assets and cannot be mixed with Moneyfarm’s own funds according to the Client Assets Sourcebook (CASS). Looking after your investments also means to appoint a custodian bank which holds your money and the investments Moneyfarm purchase for you separately from the custodian bank’s own assets according to CASS. Moneyfarm hold your money and investments using carefully selected, regulated financial institutions and ensure that they meet the relevant criteria to keep your money safe at all times.
What happens in the event of insolvency?
In the unlikely event of Moneyfarm or its custodian bank entering into administration, retail clients will have their funds and market value of assets returned to them from the client money bank account/ custodian account. As these bank accounts are held by Moneyfarm in trust for underlying clients, no other general creditor can access or make claim to the funds contained therein. Furthermore your money and investments are eligible for compensation under the Financial Services Compensation Scheme (FSCS) for up to £50,000 if the insolvent company is unable to repay investments or money. Compensation under the FSCS is also triggered in the event of losses arising from bad investment advice, poor investment management or misrepresentation. For further information on the FSCS please click on the following link http://www.fscs.org.uk/what-we-cover/products/investments/.
9. Expertize from AllianzGI
What is Allianz Global Investors’ role in the Moneyfarm powered by AllianzGI set-up?
As part of this initiative, Allianz Global Investors is advising Moneyfarm in the areas of asset allocation, fund selection and portfolio management. Moneyfarm use the investment recommendations provided by Allianz Global Investors to build your personal portfolio. Find more information about the investment process here.
Why should I put my hard earned money at risk?
In this low-interest rate environment, we believe the biggest risk is not taking any risk at all. When making investment decisions, “smart risk” is crucial. Actively managed multi-asset solutions can be considered an attractive form of investment because, thanks to the broad spectrum of investment opportunities and the flexible use of trends, investors can take advantage of numerous opportunities for returns worldwide whilst simultaneously achieving a balanced risk structure for their investments. This helps investors to reduce risks without foregoing opportunities for returns.
Why shouldn´t I manage my funds by myself?
Investors often react emotionally and irrationally, according to experts in behavioral finance. For example, investors often have limited market knowledge due to inadequate information. The window, or rather the window frame, through which they observe the world of investments is simply not big enough to provide a view of all the necessary information, investment alternatives or contradictory facts. In addition, they often exhibit a home bias – a preference for securities from companies in their own country. The result: they lack diversification and ignore better alternatives. Actively managed multi-asset strategies can help investors to outsmart themselves.
How do Allianz Global Investors manage Multi Asset strategies?
While asset allocation decisions play a large role in determining the success of portfolios, Allianz Global Investors believes that using a combination of risk mitigation during times of market stress and active asset allocation across market cycles can improve outcomes for investors, both by enhancing returns and by reducing drawdowns.
Since when do Allianz Global Investors manage Multi Asset strategies?
Established in 1996, the Allianz Global Investors Multi Asset and Solutions Group uses this approach in its management of a wide range of strategies: active allocation, risk management overlay, multi-asset alternatives and hedging, and life-asset/retirement income solutions. In each case, Allianz Global Investors looks to improve outcomes for investors through a rigorous investment process and advanced risk-management methods. https://www.allianzgi.com/capability-landing/multi-asset
Who is administering my account?
The administration of your account is performed by Moneyfarm. Moneyfarm provides for client-related platform & infrastructure, client on-boarding & profiling, advisory and discretionary portfolio management services, customer support, client account administration, custody and fund operations/ transactions.
Who should I contact if I have any additional questions?
Please always contact the Moneyfarm Investment Consultants team via email, telephone or live chat.
Is Allianz entitled to receive any remuneration for participating in the initiative?
There will be no remuneration paid to any entity of the Allianz Group of companies whose employees decide to open a Moneyfarm powered by AllianzGI account. Allianz Global Investors’ and PIMCO’s remuneration for fund management services will be commensurate to the management fees charged to the underling funds part of the Moneyfarm powered by AllianzGI portfolios.
Are the Moneyfarm powered by AllianzGI products offered by Allianz Global Investors or Moneyfarm?
AllianzGI solely act as Investment Consultant to Moneyfarm. The business relationship towards Allianz employees investing in Moneyfarm powered by AllianzGI resides with Moneyfarm.
Will the Moneyfarm powered by AllianzGI fees remain that attractive?
Yes. This is Moneyfarm’s commitment to you as a customer. Please see all fee details in the pricing section.
Will some employees be charged more than others for the same service?
No. The only element driving price differences is the type of investment portfolio resulting as a function of the individual investor profile.
What happens to my portfolio if I would leave Allianz?
A Moneyfarm powered by AllianzGI portfolio can be retained even after leaving Allianz. However, in order to continue receiving our communications, and to ensure you are never locked out of your account, you would need to change your email address to a personal email address. To change this, simply log in to your account, hover your mouse over your name on the top right corner of the page, and click on Settings. You will be able to edit your email address within this screen.
Is Moneyfarm powered by AllianzGI safe?
Moneyfarm takes security very seriously. Please see all security measures in the security section.