Smaty

Main Features:

• Automated Investing: Customizes a personalized portfolio for users or allows them to build it themselves, using powerful automation to optimize investment performance and help lower taxes (e.g., automated Tax-Loss Harvesting).
• Cash Management: Offers a Cash account with regulated banking partners that lets users automate savings, pay bills, withdraw from thousands of ATMs, and invest extra cash in seconds to build long-term wealth from everyday cash.
• Automated Savings: Users tell the app what they are saving for, and it automatically sets aside extra cash to hit goals. It connects with all user accounts, allowing wealth growth to be monitored in one app.

Core Advantages:

• Awarded Best Robo-advisor 2019 and Best Cash Management App 2020 by Nerdwallet, and Best Robo-advisor 2020 by Investopedia.
• Trusted by over 450,000 clients with more than $26B in client funds.
• Highly rated on app stores: 4.9 on Apple App Store and 4.5 on Google Play Store.
• Effortless and automatic operation requiring no continuous manual intervention.

Target Users:

• Individuals across the UK looking for personalized, effortless, and automated investing and savings.
• Investors seeking to lower their tax liabilities and optimize investment performance.
• People needing an integrated solution for daily cash management (savings, bill pay, ATM withdrawals) and long-term wealth building.

Usage Process:

• Register: Create an account by providing name, email, and phone number.
• Set Goals: Inform the system about specific saving and investing goals.
• Automation: The system automatically invests deposits and extra cash, and executes optimization strategies like tax-loss harvesting (e.g., automatically saving £62.50 on taxes or investing a £200 deposit).

Pricing Information:

• The page does not explicitly disclose specific pricing or fee structures. Cash account services and investment management are provided by separate entities, and users are encouraged to consult personal tax advisors and understand applicable fees.