The Fintech Index
61 companies rated 5 sectors 16 reports Last updated Oct 23, 2026

Moneyfarm vs Lightyear

A saver comparing Moneyfarm with Lightyear is deciding whether to have the portfolio built for them or to pick investments themselves. Moneyfarm's main product is a managed ETF portfolio. Lightyear is an investment app where the saver chooses shares and funds.

Moneyfarm

75 / 100

Best for

A saver who wants the portfolio built and rebalanced for them inside an ISA or pension.

Watch-out

Each do-it-yourself trade carries a fee.

Lightyear

80 / 100

Best for

A saver who wants to choose shares and ETFs directly in a low-cost app.

Bottom line

Choose Moneyfarm when the saver wants the investing done for them. Choose Lightyear when the saver wants to pick and trade investments directly.