Wealthyhood

Wealthyhood operates through two entities. In the European Union, services are provided by Wealthyhood Europe AEPEY, which is authorised and regulated by the Hellenic Capital Markets Commission. In the UK, Wealthyhood Ltd is an appointed representative of RiskSave Technologies Ltd, an FCA-regulated firm. This dual structure means client assets are held in segregated accounts at authorised custodians, and investors are covered by the Hellenic Investment Guarantee Fund in Europe and the FSCS in the UK, up to the respective statutory limits.

Wealthyhood charges zero commissions on stock trades and ETF buys using its Smart Execution feature, though ETF purchases without Smart Execution incur a €1 fee. Its primary revenue comes from monthly subscription plans that range from €0 to €12.99. Cross-currency trades carry an additional FX fee that declines from 0.55% to 0.25% depending on the plan.

Investors can buy fractional shares of US, UK, and European stocks, including Nvidia, Apple, Amazon, and Tesla, alongside global ETFs covering equities, bonds, commodities, and real estate. The platform also offers thematic ETFs in areas like AI, clean energy, and biotechnology. A Savings Vault product invests customer cash in money market funds as an alternative to traditional bank savings accounts, earning up to 1.98% variable interest.

According to its published disclosures, Wealthyhood does not lend out customer funds or investments, nor does it use them for its own business activities. The firm states that all holdings are kept in segregated accounts under the client's name. It does not report generating revenue through payment for order flow, relying instead on subscription fees.

Wealthyhood targets younger, retail investors who are new to building a portfolio, emphasizing learning tools, dollar-cost averaging, and automated rebalancing. Its subscription service includes guided portfolio construction through templates and a builder tool, rather than live advisory services. The product is designed for mobile-first users in the UK and EU who want managed diversification without high minimum capital requirements.