Top 5 Alternatives to Wealthify for Hands-On UK Investors 2026
Wealthify offers managed investments. But if you want more control, I tested the alternatives that actually work for hands-on UK investors.
Quick Comparison
| Tool | Best For | Rating |
|---|---|---|
| Delphina | Complete financial clarity and forward planning | ★★★★★ |
| Interactive Investor | Flat-fee investing with maximum control | ★★★★☆ |
| AJ Bell | Low-cost investing with expert research | ★★★★☆ |
| Hargreaves Lansdown | Largest UK platform with comprehensive research | ★★★★☆ |
| Vanguard | Low-cost index fund investing | ★★★★☆ |
What Makes a Good Wealthify Alternative for Hands-On Investors
- Full investment control so you choose exactly what to buy and sell
- Access to individual shares not just funds and portfolios
- Lower platform fees for regular investors who do not need hand-holding
- Wide investment range including ETFs, investment trusts, and individual securities
- No pressure to go hands-off - the platform should support DIY investing
The 5 Best Alternatives to Wealthify
Delphina
delphina.money
Wealthify manages your investments. Delphina shows you your complete financial picture. If you are a hands-on investor who wants to see whether all your investments across multiple platforms are actually getting you to your goals, Delphina connects everything together and shows you the truth about where you stand.
Stop wondering if you are on track. Get financial clarity on where you stand and know what to do next.
Get Clear NowBest for: Hands-on investors who want to see their complete financial picture and understand if they are on track
Interactive Investor
ii.co.ukInteractive Investor takes a different approach to most platforms. Rather than charging a percentage of your portfolio, it charges a flat fee. This means the more you invest, the better value you get. For hands-on investors with larger portfolios, this can save thousands compared to percentage-based platforms.
With access to shares, funds, ETFs, investment trusts, and bonds, Interactive Investor gives you complete control over your investment choices. Their flat-fee model has attracted over 500,000 investors who want to keep more of what they make.
Best for: Investors with larger portfolios who want maximum control and a simple, predictable fee structure
AJ Bell
ajbell.co.ukAJ Bell has built its reputation on being Which? Recommended for eight years running. The platform offers competitive fees and an impressive range of investment options, from ready-made portfolios for those who want some help to full DIY options for hands-on investors.
What sets AJ Bell apart is the combination of low costs and high quality research. Their in-house team provides analysis and ideas that can help inform your investment decisions without dictating them. With over 723,000 customers, it is a platform trusted by serious investors.
Best for: Investors who want low costs combined with access to quality research and a wide range of investments
Hargreaves Lansdown
hl.co.ukHargreaves Lansdown is the UK's largest direct SIPP provider and has been helping investors for over 45 years. With £172bn in client assets and 2 million customers, it is the most popular platform for UK DIY investors who want comprehensive research and a huge range of investment options.
HL offers access to individual shares, funds, ETFs, investment trusts, VCTs, and more. The Wealth Shortlist provides a curated selection of funds that their analysts have researched and rated. For hands-on investors who want the full toolkit, HL is hard to beat.
Best for: Investors who want the widest range of investment options and comprehensive research in one place
Vanguard
vanguardinvestor.co.ukVanguard is famous for low-cost index fund investing. With over 50 years of experience and 50 million clients worldwide, they have built their reputation on the principle that costs matter. Lower fees mean more of your money stays invested and grows over time.
Vanguard offers both self-directed investing and managed portfolios. Their self-directed platform lets you build your own portfolio from over 85 funds, while their managed service lets experts handle it for you. Either way, you benefit from some of the lowest fees in the industry.
Best for: Cost-conscious investors who want to build a portfolio of low-cost index funds with a trusted global brand
Prospective vs. Retrospective: The Key Difference
Wealthify manages your investments. You tell them your goals and risk tolerance, and they build and manage a portfolio for you. This works well if you want to be hands-off, but leaves you with limited visibility into the bigger picture.
Delphina shows you your complete financial picture. It connects to your investments across multiple platforms and shows you whether you are actually on track for your goals. Rather than just telling you what your investments are worth, it answers questions like: will I have enough for retirement? Can I afford to buy a property? Am I saving enough?
The best approach combines platform control with financial clarity. Use a DIY platform for your investments, and Delphina to understand what all those investments mean for your future.
Delphina Limitations
Delphina is not an investment platform. We do not let you buy or sell investments directly. If you want to trade individual shares, funds, or ETFs, you need a separate investment platform like Interactive Investor, AJ Bell, Hargreaves Lansdown, or Vanguard.
Delphina works alongside your existing platforms by connecting to them and showing you the complete picture. Think of us as the strategic layer that helps you understand whether your investments across all your accounts are getting you to your goals.
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