Wealthify puts your ISA on autopilot with a managed ETF portfolio. Useful. But it has not told you whether the pot is enough for the retirement you actually want, and that is the bigger question. Here is the honest difference.
Wealthify is a Canadian robo-advisor that offers automated investment portfolios. The platform handles asset allocation, rebalancing, and dividend reinvestment. For Canadian households, Wealthify is a credible low-cost investment option.
Delphina is built for the UK. You upload your UK bank transactions, the platform categorises them, and you see what you spent in each category. Delphina also plans from your daily money through to retirement, with UK-specific rules.
Wealthify's automated portfolios are well-suited to investors who want a hands-off experience. Choose a risk level, fund the account, and the platform handles the rest. The fee structure is transparent (0.40-0.50% per year for the Canadian product).
Wealthify's Original portfolios (their flagship offering) have a multi-year track record. For Canadian investors who want a passive approach, the platform handles the implementation.
Delphina is built for the UK. It uses UK pension rules, ISA subscription limits, the State Pension forecast through your NI record, and the dividend and capital gains allowances. Wealthify is for Canadian investors with Canadian tax rules and Canadian retirement accounts (RRSP, TFSA).
Delphina also plans from your real money. The platform reads your actual spending, knows your pension and ISA balances, and projects forward. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific projection in Delphina. Wealthify gives you a portfolio, not a plan.
| Feature | Wealthify | Delphina |
|---|---|---|
| Automated ETF portfolio management | ✓ | ✗ |
| Long-term UK retirement forecasting | ✗ | ✓ |
| UK pension rules modelled correctly | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| Daily UK-specific category caps | ✗ | ✓ |
| Multi-account aggregation | ✓ | ✓ |
| Connects to your real spending | ✗ | ✓ |
| Annual Cost | 0.40-0.50% per year | Free tier available |
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific UK retirement plan with a monthly action list.