Zero'thly, what is this? You give them money, they take about 0.87% a year and a computer program buys investments for you. All you need to do is pay them however much you want to invest, and decide on a risk level from "Cautious" to "let it grow, let it grow!". You can pull out at any time (wink, wink). Firstly, not a scam. Totes legit. You can see the receipts for the investments they buy. Second... I can't think of any way to improve the website or the service, and this irritates me because I am famously good at finding problems with things. Also the returns are brilliant (so far, and past performance is not a guarantee of future returns). Thirdly, yes you would be an idiot not to give them your money. So far their lowest risk portfolio has a 10% return since inception (ish, I think, probably) in just over a year (ish). Their annual fee is probably higher than the interest you make on your bank account. The quality of customer service is frigging ridiculously good. I tried to test that they weren't a scam by withdrawing all my money (took a couple of weeks which is fair enough because they have to sell all your investments which can take some time to process) and they were pro-actively helping me do it, they sent me the money in stages as the investments got sold, they sent me messages to explain everything... The last time I felt this cared for was when I was getting an ingrown toenail cut off - the podiatrist was really nice. Disclaimer: I am not an IFA, I have only invested money I can afford to lose, this review is based on my experience and your experience may differ (like if there's a stock market crash or WWIII or whatever) I advise you not to take advice from random strangers on the internet who could be anyone, even Batman.