As we move into 2026, the landscape of investment management and retirement savings continues to evolve at a rapid pace, with digital platforms and robo-advisors offering increasingly sophisticated solutions for those looking to grow their wealth. For investors seeking to maximise their savings, the choice of platform can make a significant difference to long-term returns, especially when considering factors such as management fees, portfolio allocation, and the level of personalised service on offer. In this comparison, we take a closer look at five prominent platforms—Nalo, Yomoni, Lucya Cardif, Goodlife, and Garance Épargne—to help you make an informed decision about where to place your hard-earned money.
| Platform | Fee Structure | Investment Approach | Key Features | Best Suited For | ESG/Responsible Investing |
|---|---|---|---|---|---|
| Nalo | Competitive management fees; no entry or transfer fees | ETF-based portfolios with diversification across asset classes | Personalised portfolio management; manages multiple plans in one interface; tax advantages after 8 years; PER available | Medium to long-term investors seeking personalisation and digital convenience with human support | Yes – offers ESG-compliant portfolios with green and climate-aligned investment options |
| Yomoni | Low, transparent management fees | Passive investment strategies tracking market indices; ETF-based diversification | Life insurance, PER, PEA, and securities accounts; regular portfolio rebalancing; strong investment education resources | Both novice and experienced investors with long-term horizons seeking steady growth | Yes – portfolios incorporating ESG criteria with green and climate-aligned investment options |
| Lucya Cardif | Competitive management fees; transparent pricing with no hidden charges | Balanced approach with euro funds (capital protection) and unit-linked investments | Focus on life insurance products; tax advantages after 8 years; inheritance planning support; flexibility in investment types | Long-term savers focused on retirement, inheritance planning, or building a nest egg with tax efficiency | Yes – offers socially responsible investment options |
| Goodlife | Low management fees; no hidden charges | ETF-based diversification with focus on long-term growth | Strong commitment to ESG criteria; life insurance and PER options; personalised portfolio management; extensive investment education | Values-driven investors seeking financial returns aligned with environmental and social impact | Yes – core focus on ESG, green investment, and climate-aligned portfolios as primary differentiator |
| Garance Épargne | Low, transparent management fees; no hidden charges | Conservative approach emphasising euro funds for capital protection; option for unit-linked investments | Progressive securitisation towards lower-risk investments; guaranteed return on euro funds; life insurance with tax benefits after 8 years | Conservative or risk-averse investors, particularly those approaching retirement, prioritising capital preservation | Not emphasised as a core feature |
Nalo
Nalo has established itself as a leading online investment platform, particularly favoured by those who appreciate a blend of digital convenience and personalised portfolio management. The platform is designed to cater to investors with medium to long-term horizons, offering a range of managed portfolios that are tailored to individual life goals, whether that's building a comfortable retirement pot or saving up for a deposit on a gaff. Unlike traditional investment vehicles, Nalo provides a fully digital experience, which means you can access your portfolio and monitor performance from the comfort of your own home, at any time of day.
One of the standout features of Nalo is its commitment to transparency, particularly when it comes to fees. The platform operates on a clear fee structure, with management fees that are competitive when compared to old-school funds and traditional wealth management services. Importantly, there are no entry or transfer fees, which can often eat into your returns before you've even had a chance to see your investments grow. This approach is particularly appealing to cost-conscious investors who want to ensure that as much of their money as possible is working for them, rather than being siphoned off in charges.
The investment choices on Nalo are centred around Exchange Traded Funds, commonly known as ETFs. These funds offer a diversified approach to investing, spreading your money across a wide range of asset classes and geographies. The platform's use of ETFs is part of its broader strategy to provide investors with a good spread of investments, which can help to mitigate risk while still aiming for attractive returns. Nalo reckons it can deliver both security and better performance than traditional funds, though it's worth noting that performance is never a given and is always subject to the whims of the market.
Personalisation is at the heart of Nalo's offering. When you sign up, the platform takes the time to understand your financial situation, your investment goals, and your risk tolerance. This information is then used to construct a portfolio that's tailored specifically to you, with ongoing management to ensure that your asset allocation remains aligned with your objectives. This level of customisation is a significant advantage over more generic investment options, where you might find yourself shoehorned into a one-size-fits-all solution that doesn't quite meet your needs.
Customer service is another area where Nalo shines. While the platform is digital-first, there's always someone on hand to talk to if you need it. This human touch can be invaluable, especially for investors who are new to the world of online investment or who have specific questions about their portfolio. The combination of a user-friendly digital platform and accessible customer support makes Nalo a particularly attractive option for those who want the best of both worlds.
One of the key benefits of investing through Nalo is the potential for tax perks, particularly if you hold your investments for the long term. After eight years, investors can benefit from favourable tax treatment, which can significantly boost your overall returns. This is especially relevant for those using Nalo's life insurance or assurance-vie products, which are structured to take advantage of these tax benefits. The platform also offers a retirement savings plan, known as a PER, which provides additional tax advantages for those planning for their golden years.
Nalo's ability to manage a load of different plans in one go is another compelling feature. Whether you're juggling a life insurance policy, a PER, or other investment vehicles, the platform allows you to oversee all of these in a single, integrated interface. This multi-project management capability not only simplifies the administrative side of investing but also makes it easier to maintain a coherent overall investment strategy across all your savings pots.
The platform's commitment to socially responsible investment is also worth highlighting. Nalo offers portfolios that adhere to ESG criteria, which stands for environmental, social, and governance factors. For investors who are keen to align their financial goals with their values, this means you can invest in companies and funds that are committed to green investment, climate-aligned investment, and other responsible investing principles. This approach reflects a growing trend in the financial technology sector, where investors are increasingly looking for options that allow them to do well while also doing good.
Before you sign up, it's important to get your ducks in a row and have a good butcher's at what Nalo has to offer. Take the time to compare the fees with other platforms, review the investment strategy, and make sure you understand the risk profiles associated with the portfolios on offer. While Nalo's competitive fees and personalised management are clear advantages, it's always wise to do your homework and ensure that the platform is the right fit for your individual circumstances.
In summary, Nalo's best bits include the ability to manage loads of plans, having a portfolio managed just for you, and enjoying the convenience of a digital platform with real people on hand when you need them. The platform's use of ETFs, transparent fee structure, and commitment to socially responsible investment make it a strong contender for anyone looking to maximise their savings in 2026.
Yomoni
Yomoni is another heavyweight in the world of robo-advisors and online investment platforms, offering a range of services that cater to both novice and experienced investors. Like Nalo, Yomoni focuses on providing managed portfolios that are tailored to individual needs, with a strong emphasis on low fees and diversification. The platform has built a reputation for delivering solid performance returns, thanks in part to its sophisticated approach to asset allocation and portfolio management.
One of the key attractions of Yomoni is its commitment to keeping costs down. Management fees are kept to a minimum, which means more of your money stays invested and has the opportunity to grow. This is particularly important in the context of long-term investing, where even small differences in fees can have a significant impact on your overall returns over time. Yomoni's fee structure is transparent and straightforward, making it easy for investors to understand exactly what they're paying for.
The platform offers a range of investment options, from life insurance and assurance-vie products to securities accounts and equity savings plans, also known as PEA. This variety means that Yomoni can cater to a wide range of investment goals and tax situations, whether you're looking to build a retirement pot, save for a major purchase, or simply grow your wealth over time. The flexibility to choose between different types of accounts is a significant advantage, as it allows you to structure your investments in the most tax-efficient way possible.
Yomoni's approach to portfolio management is rooted in passive investment strategies, which means the platform focuses on tracking market indices rather than trying to beat them through active trading. This approach has been shown to deliver consistent returns over the long term, with lower costs and less risk than more aggressive investment strategies. The platform uses a mix of ETFs to achieve diversification across different asset classes, including equities, bonds, and other securities, which helps to spread risk and smooth out the inevitable ups and downs of the market.
Personalisation is another strong suit of Yomoni. When you open an account, the platform takes the time to understand your financial situation, your investment goals, and your appetite for risk. This information is used to create a bespoke portfolio that's aligned with your objectives, with regular rebalancing to ensure that your asset allocation remains on track. This level of customisation is a key differentiator for Yomoni, as it means your investments are always working towards your specific goals, rather than being left to drift.
Customer reviews of Yomoni are generally positive, with many investors praising the platform's ease of use, transparent fees, and strong performance returns. The digital interface is intuitive and user-friendly, making it simple to monitor your investments, make deposits, and request withdrawals as needed. While the platform is primarily digital, there is also customer support available for those who need assistance, which provides an additional layer of reassurance for investors who might be new to online investment.
One of the areas where Yomoni excels is in its commitment to responsible investing. The platform offers portfolios that incorporate ESG criteria, allowing investors to align their financial goals with their ethical values. This focus on socially responsible investment is becoming increasingly important, as more and more people look for ways to invest in companies and funds that are committed to positive environmental and social outcomes. Yomoni's green investment and climate-aligned investment options make it easy to build a portfolio that reflects your values without sacrificing returns.
Tax benefits are another important consideration when choosing an investment platform, and Yomoni offers a range of options that can help you minimise your tax liability. The platform's life insurance products, for example, offer favourable tax treatment after eight years, which can significantly boost your overall returns. Similarly, the PER product is designed to provide tax advantages for those saving for retirement, with contributions potentially reducing your taxable income. These tax perks can make a real difference to your long-term wealth, so it's worth taking the time to understand how they work and how you can take advantage of them.
Yomoni's investment education resources are also worth mentioning. The platform provides a wealth of information to help investors understand the basics of portfolio management, asset allocation, and diversification. This educational content is particularly valuable for those who are new to investing or who want to deepen their understanding of how the platform works. By empowering investors with knowledge, Yomoni helps to ensure that you're making informed decisions about your money.
In terms of fund performance, Yomoni has a track record of delivering solid returns, though as always, past performance is not a guarantee of future results. The platform's focus on diversification and passive investment strategies means that returns are generally in line with broader market trends, which can provide a degree of predictability and stability. This approach is particularly well-suited to investors with a long-term horizon, who are looking for steady growth rather than trying to time the market or chase short-term gains.
Overall, Yomoni offers a compelling combination of low fees, personalised portfolio management, and a strong commitment to responsible investing. The platform's range of investment options, including life insurance, PER, and securities accounts, makes it a versatile choice for investors with a variety of goals and tax situations. Whether you're just starting out on your investment journey or you're a seasoned investor looking for a cost-effective way to manage your wealth, Yomoni is well worth considering.
Lucya cardif
Lucya Cardif represents a slightly different approach to online investment, with a focus on life insurance products and a strong emphasis on accessibility and simplicity. The platform is designed to make investing as straightforward as possible, with a user-friendly interface and a range of options that cater to both novice and experienced investors. Lucya Cardif's commitment to transparency and low fees makes it an attractive option for those looking to maximise their savings without getting bogged down in complexity.
One of the key features of Lucya Cardif is its life insurance offering, which provides a tax-efficient way to save for the long term. The platform's assurance-vie products are structured to take advantage of the favourable tax treatment available after eight years, which can significantly enhance your overall returns. This makes Lucya Cardif particularly appealing for investors who are planning for the long haul, whether that's for retirement, inheritance planning, or simply building a nest egg for the future.
The platform offers a range of investment options, including both euro funds and unit-linked investments. Euro funds provide a degree of capital protection, as they guarantee the return of your initial investment, albeit with typically lower returns. Unit-linked investments, on the other hand, offer the potential for higher returns by investing in a diversified portfolio of assets, though they also come with greater risk. The ability to choose between these two types of investments, or to combine them in a single portfolio, provides a high degree of flexibility and allows you to tailor your investment strategy to your individual risk tolerance and financial goals.
Lucya Cardif's fee structure is another area where the platform stands out. Management fees are competitive, and there are no hidden charges or unexpected costs. This transparency is particularly important in the world of life insurance, where fees can sometimes be opaque and difficult to understand. By keeping costs low and being upfront about what you're paying, Lucya Cardif ensures that more of your money is working for you, rather than being eaten up in charges.
The platform's commitment to customer service is also noteworthy. While Lucya Cardif operates primarily online, there is always support available if you need it. Whether you have questions about your portfolio, need help with a deposit or withdrawal, or simply want to discuss your investment strategy, the customer service team is on hand to assist. This combination of digital convenience and human support makes Lucya Cardif a user-friendly option for investors of all experience levels.
In terms of investment strategy, Lucya Cardif takes a balanced approach, focusing on diversification and long-term growth. The platform's portfolios are designed to spread risk across a range of asset classes, including equities, bonds, and other securities. This diversification helps to smooth out the inevitable ups and downs of the market, providing a more stable and predictable investment experience. The platform also offers options for socially responsible investment, allowing you to align your financial goals with your ethical values.
One of the advantages of investing through Lucya Cardif is the platform's focus on inheritance planning. Life insurance products are often used as a tool for passing wealth on to the next generation, and Lucya Cardif's assurance-vie offering is structured to make this process as tax-efficient as possible. The platform provides guidance on how to structure your investments to minimise inheritance tax, which can make a significant difference to the amount of wealth you're able to pass on to your loved ones.
Lucya Cardif also offers a range of resources to help you understand the ins and outs of life insurance and investment management. The platform provides educational content on topics such as asset allocation, risk profiles, and the benefits of long-term investing. This investment education is particularly valuable for those who are new to the world of financial planning, as it helps to demystify the process and empower you to make informed decisions about your money.
Overall, Lucya Cardif is a solid choice for investors who are looking for a straightforward, tax-efficient way to save for the long term. The platform's combination of low fees, transparent pricing, and a strong focus on customer service makes it an attractive option for those who value simplicity and accessibility. Whether you're planning for retirement, building a nest egg, or thinking about inheritance planning, Lucya Cardif offers a range of options that can help you achieve your financial goals.
Goodlife
Goodlife is a relative newcomer to the world of online investment platforms, but it has quickly made a name for itself with a focus on simplicity, transparency, and socially responsible investment. The platform is designed to appeal to a new generation of investors who are looking for more than just financial returns—they want to know that their money is being used in a way that aligns with their values and contributes to a better world.
One of the standout features of Goodlife is its commitment to ESG criteria and responsible investing. The platform offers a range of portfolios that are specifically designed to invest in companies and funds that meet high environmental, social, and governance standards. This focus on green investment and climate-aligned investment is a key differentiator for Goodlife, as it allows investors to build wealth while also supporting positive change. For those who are passionate about issues such as climate change, social justice, and corporate governance, Goodlife offers a way to put your money where your values are.
The platform's fee structure is competitive, with low management fees and no hidden charges. This transparency is a core part of Goodlife's offering, as the platform is committed to ensuring that investors understand exactly what they're paying and why. By keeping costs down, Goodlife ensures that more of your money is working for you, which can make a significant difference to your long-term returns.
Goodlife offers a range of investment options, including life insurance, retirement savings plans, and securities accounts. This variety means that the platform can cater to a wide range of investment goals and tax situations, whether you're saving for retirement, building a deposit for a property, or simply looking to grow your wealth over time. The flexibility to choose between different types of accounts and investment strategies makes Goodlife a versatile option for investors with diverse needs.
The platform's approach to portfolio management is rooted in diversification and long-term growth. Goodlife uses a mix of ETFs and other investment vehicles to spread risk across different asset classes and geographies. This diversification helps to mitigate the impact of market volatility and provides a more stable investment experience. The platform also offers personalised portfolio management, with portfolios tailored to your individual risk tolerance and financial goals.
Customer reviews of Goodlife are generally positive, with many investors praising the platform's commitment to responsible investing and its user-friendly interface. The digital platform is intuitive and easy to navigate, making it simple to monitor your investments, make deposits, and request withdrawals. While Goodlife is primarily a digital platform, there is also customer support available for those who need assistance, which provides an additional layer of reassurance.
One of the unique aspects of Goodlife is its focus on investment education. The platform provides a wealth of resources to help investors understand the principles of responsible investing, the importance of diversification, and the benefits of long-term planning. This educational content is particularly valuable for younger investors or those who are new to the world of socially responsible investment, as it helps to build confidence and knowledge.
Tax benefits are another important consideration, and Goodlife offers a range of options that can help you minimise your tax liability. The platform's life insurance products, for example, offer favourable tax treatment after eight years, which can significantly boost your overall returns. Similarly, the retirement savings plan is designed to provide tax advantages for those planning for their golden years, with contributions potentially reducing your taxable income.
Overall, Goodlife is an excellent choice for investors who are looking for a platform that combines strong financial performance with a commitment to positive social and environmental impact. The platform's focus on ESG criteria, low fees, and personalised portfolio management makes it a compelling option for those who want to build wealth in a way that aligns with their values. Whether you're a seasoned investor or just starting out, Goodlife offers a range of options that can help you achieve your financial goals while also contributing to a better world.
Garance épargne
Garance Épargne rounds out our comparison with a platform that emphasises security, stability, and a straightforward approach to investment management. The platform is designed to appeal to investors who prioritise capital protection and steady, predictable returns over the potential for high-risk, high-reward strategies. Garance Épargne's focus on euro funds and other low-risk investment options makes it a particularly attractive choice for conservative investors or those who are approaching retirement and want to preserve their wealth.
One of the key features of Garance Épargne is its emphasis on euro funds, which provide a guaranteed return of your initial investment. While the returns on euro funds are typically lower than those on unit-linked investments or equity-based portfolios, the trade-off is a much higher level of security. For investors who are risk-averse or who simply want to ensure that their capital is protected, euro funds can be an ideal choice. Garance Épargne offers a range of euro fund options, each with its own level of guaranteed return and associated fees.
The platform also offers unit-linked investments for those who are willing to take on a bit more risk in exchange for the potential for higher returns. These investments are spread across a diversified portfolio of assets, including equities, bonds, and other securities, which helps to mitigate risk while still providing the opportunity for growth. The ability to choose between euro funds and unit-linked investments, or to combine them in a single portfolio, provides a high degree of flexibility and allows you to tailor your investment strategy to your individual needs.
Garance Épargne's fee structure is transparent and competitive, with no hidden charges or unexpected costs. Management fees are kept low, which means more of your money stays invested and has the opportunity to grow. This transparency is particularly important for investors who want to understand exactly what they're paying and how it impacts their overall returns.
The platform's commitment to customer service is another area where Garance Épargne excels. While the platform operates primarily online, there is always support available if you need it. Whether you have questions about your portfolio, need help with a deposit or withdrawal, or simply want to discuss your investment strategy, the customer service team is on hand to assist. This combination of digital convenience and human support makes Garance Épargne a user-friendly option for investors of all experience levels.
One of the unique aspects of Garance Épargne is its focus on progressive securitisation, which allows you to gradually shift your portfolio towards lower-risk investments as you approach your financial goals. This approach is particularly valuable for investors who are saving for a specific milestone, such as retirement or a major purchase, as it helps to protect your capital at the point when you need it most. The platform provides guidance on how to structure your investments to take advantage of progressive securitisation, which can provide an additional layer of security and peace of mind.
Tax benefits are another important consideration, and Garance Épargne offers a range of options that can help you minimise your tax liability. The platform's life insurance products, for example, offer favourable tax treatment after eight years, which can significantly boost your overall returns. This makes Garance Épargne particularly appealing for investors who are planning for the long haul, whether that's for retirement, inheritance planning, or simply building a nest egg for the future.
In terms of investment strategy, Garance Épargne takes a conservative approach, focusing on capital protection and steady, predictable returns. The platform's portfolios are designed to minimise risk, with a strong emphasis on diversification and low-volatility assets. This approach is particularly well-suited to investors who are approaching retirement or who simply want to preserve their wealth rather than chasing high returns.
Overall, Garance Épargne is an excellent choice for conservative investors who prioritise security and stability over the potential for high returns. The platform's focus on euro funds, transparent fees, and progressive securitisation makes it a compelling option for those who want to protect their capital while still achieving steady growth. Whether you're planning for retirement, saving for a major purchase, or simply looking for a safe place to park your money, Garance Épargne offers a range of options that can help you achieve your financial goals with confidence.