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Free educational portfolio health check
Investment
MOT
Get your Investment Score, investor profile and educational roadmap in under three minutes. Not financial advice.
14 insights · No account · Private in your browser
No login
Scores in your browser
No product pitches
Investment MOT questions
Investment Intelligence Report
Your wealth dashboard
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Your investment score is 0 out of 100
Investment Grade
Portfolio intelligence map
Current situation
Strengths
Weaknesses
Biggest opportunity
Personal investment roadmap
Next 30 days
Stabilise
Next 6 months
Build
Next 12 months
Compound
Priority guidance
After your MOT
Your Personal Investment Roadmap
Based on your answers, here are educational next steps that may help strengthen your investment journey.
Step 1 · Current stage
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Educational classification only. This is not an FCA suitability rating or regulated advice.
Step 2 · Top priorities
Focus areas suggested by your answers
Priorities are educational prompts derived from your MOT answers, not instructions to buy or sell anything.
Step 3 · Illustrative monthly planner
Explore compound growth examples
Choose a monthly amount to see illustrative projections. These are teaching examples only, not forecasts of your returns.
Example table below uses £100 a month until you pick another amount. Figures update when you tap an amount.
| Assumed annual growth | 5 years | 10 years | 20 years | 30 years |
|---|---|---|---|---|
| 3% p.a. | £6,465 | £13,974 | £32,830 | £58,274 |
| 5% p.a. | £6,801 | £15,528 | £41,103 | £83,226 |
| 7% p.a. | £7,159 | £17,308 | £52,093 | £121,997 |
| 8% p.a. | £7,348 | £18,295 | £58,902 | £149,036 |
| 10% p.a. | £7,744 | £20,484 | £75,937 | £226,049 |
Illustrative estimates only. Assumes fixed monthly contributions and constant annual growth with no fees, tax or inflation. Real markets fluctuate. Past performance is not a reliable guide to future results. These figures are teaching examples, not forecasts, and are not a financial promotion of any product. Not financial advice.
Step 4 · Investment types to understand
Learn categories, not tips
Instead of “buy this”, explore what different asset types are generally used for.
Category education only. No individual securities or branded funds are recommended here.
Step 5 · Platform comparison
Popular UK platforms compared
This comparison is provided for educational purposes only. It is not a recommendation, not personalised advice, and not a financial promotion for any platform or product. Naming a firm does not mean it is suitable for you. Fees and features change. Always verify details on the provider’s website and check authorisation on the FCA Financial Services Register.
| Platform | Fees (illustrative) | ISA | Pension | Fractional | Often discussed for |
|---|---|---|---|---|---|
| Trading 212 | Often £0 platform / dealing (FX may apply) | Yes | SIPP available | Yes | Cost-focused beginners; app-led DIY |
| AJ Bell | % platform fees with caps (verify live) | Yes (+ LISA/JISA options) | Yes | Limited / varies | Broader wrappers; mid-size DIY |
| Hargreaves Lansdown | Higher full-service style fees | Yes | Yes | Varies | Research-heavy / service-led users |
| Interactive Investor | Flat monthly plans (verify live) | Yes | Yes | Varies | Larger pots where flat fees can help |
| Vanguard UK | Platform % with caps; own funds focus | Yes | Yes | N/A (funds) | Simple passive fund investors |
| Freetrade | Free tier + paid plans | Yes | SIPP on plans | Yes | App-first beginners |
| Moneybox | Subscription / product fees | Yes | Yes | Round-ups style | Habit-building / guided beginners |
| Dodl | Simple fee model (verify live) | Yes | Check current offer | Simplified products | Beginners wanting fewer choices |
Educational comparison only. This is not an invitation or inducement to open an account or buy investments. Capital is at risk when investing. Consider free impartial guidance from MoneyHelper or regulated advice before acting.
Step 6 · Tax efficiency basics
UK wrappers to learn about
Tax rules change and depend on your circumstances. See HMRC for official guidance. This is not tax advice.
Step 7 · Suggested tools
Practice the ideas with free UK Markets Today tools
Educational disclaimer
This roadmap is based on the answers you provided and is intended for educational purposes only.
It is not personalised financial advice, not a financial promotion, and not a recommendation to buy, sell or hold any investment or to use any platform.
Investments can go down as well as up and you may get back less than you invest.
Consider seeking regulated financial advice, or free impartial guidance from
MoneyHelper,
before making investment decisions.
Educational guidance only. Not personal financial advice. We never recommend specific stocks, funds, ETFs or products. Capital is at risk. Consider a regulated adviser before making decisions. UK Markets Today.
What is the UK Investment MOT?
The UK Investment MOT is a free educational portfolio health check from UK Markets Today. It helps UK adults understand investing habits, diversification, tax wrappers and behaviour in under three minutes, then produces an Investment Score and a personalised educational roadmap. It does not provide regulated financial advice and never recommends specific stocks, ETFs or financial products.
Who it helps: beginners through to experienced UK investors who want a private, no-login check-in on foundations (emergency fund and debt), pensions and Stocks & Shares ISAs, risk temperament, crash behaviour, diversification, cash allocation and crypto exposure.
What questions it answers: How roadworthy do my investing habits look? Where are the biggest educational gaps? What should I focus on in the next 30 days, 6 months and 12 months, without being sold a product?
How this assessment works
- You answer 14 conversational multiple-choice questions, one screen at a time.
- After every answer, an on-device intelligence engine silently updates an investor profile using educational signals and flags.
- At the end you receive an Investment Score (0-100), an investor profile label (for example Beginner, Balanced or Growth), and meters for risk alignment, diversification, retirement readiness, tax efficiency and consistency.
- A personalised educational roadmap summarises your current situation, strengths, weaknesses, biggest opportunity and time-phased next steps.
- Scoring runs in your browser. Answers are not uploaded to generate your score.
Scoring methodology
Each answer contributes numerical signals (for example consistency, tax-wrapper usage, diversification and risk alignment) plus qualitative flags (for example weak emergency fund or high concentration). Dimension scores are averages of relevant signals, lightly adjusted by flags, then combined into a weighted Investment Score:
- Diversification ≈ 20%
- Tax efficiency ≈ 20%
- Retirement readiness ≈ 20%
- Risk alignment ≈ 15%
- Consistency ≈ 15%
- Knowledge / experience ≈ 10%
Investor profiles (Beginner, Conservative, Balanced, Growth, Advanced, Retirement Focused) are rule-based classifications used to frame educational copy, not regulated risk categories under FCA suitability rules.
Recommendations are generated by matching flags and score gaps to educational guidance templates (for example emergency fund before higher risk, or capturing pension match). The engine never names individual securities or branded funds.
Limitations: scores are illustrative. They do not know your exact balances, charges, tax band, employment status or full risk capacity. They cannot replace a fact-find by a regulated adviser.
Editorial policy
UK Markets Today publishes independent UK finance education and free consumer tools. Content prioritises clarity, consumer protection themes and transparency about what a tool can and cannot do.
- We do not present educational scores as guarantees of investment performance.
- We do not sell access to this MOT behind a paywall.
- We do not recommend specific stocks, ETFs or products inside the MOT results.
- Where we discuss tax wrappers, we describe general UK concepts; individual tax outcomes vary; see HMRC for official rules.
- Capital is at risk when investing. Past performance is not a reliable guide to future results.
Review process
The Investment MOT copy, scoring weights and recommendation logic are reviewed by the UK Markets Today editorial team before publication and when material changes are made. Reviews check for:
- Accuracy of UK wrapper and consumer-finance framing
- Clear separation between education and regulated advice
- Absence of specific product or stock recommendations
- Accessible language and disclosure completeness
Last editorial review: . Feedback and corrections: see our contact page.
Sources & further reading
For official UK consumer and market context, consult:
- Financial Conduct Authority (FCA): regulation, scams and investor protection
- MoneyHelper: free, impartial money guidance
- HM Revenue & Customs (HMRC): ISAs, pensions and tax rules
- Bank of England: monetary policy and financial stability context
- Office for National Statistics (ONS): inflation and economic statistics
Educational disclaimer
This tool provides educational guidance only. It is not personalised investment advice, tax advice or a recommendation to buy, sell or hold any financial instrument. UK Markets Today is not acting as an FCA-authorised adviser through this page. Decisions about your money should consider your full circumstances. If you need regulated advice, speak to an authorised firm. For free impartial guidance, visit MoneyHelper. Investing involves risk: you may get back less than you invest.
Investment MOT FAQs
Is this a financial promotion or regulated advice?
No. The Investment MOT is educational information only. It does not recommend products, platforms or specific investments, and UK Markets Today is not providing FCA-regulated personal advice through this tool. Platform names and growth examples are for learning context. Always check the FCA Register and consider MoneyHelper or a regulated adviser before acting.
What is the UK Investment MOT?
A free educational portfolio health check from UK Markets Today. Answer 14 questions to get an Investment Score, investor profile and educational roadmap. It does not recommend specific investments.
Who should use it?
UK adults who invest or are considering investing, from complete beginners to experienced investors seeking a structured habit check.
How are recommendations generated?
Answers create educational signals and flags. The engine classifies a profile, scores several dimensions, then matches gaps to personalised educational guidance. No product pitches.
Is my information stored?
Score calculation runs in your browser. Answers are not sent to our servers to produce the MOT report.
Is this regulated financial advice?
No. Educational guidance only. It is not FCA-regulated personal advice. Consider MoneyHelper or a regulated adviser before acting.
How often should I retake it?
Every 6-12 months, or after a major life or portfolio change.