Getting your Wealth Plan

Once you've created an account, Franc will help you create a personalised investing plan. We do this by asking a few questions about your financial goals and how long you want to invest. These answers help us match you with a suitable investment strategy, whether that's something cautious and low-risk, or something a bit bolder with more growth potential.

We base our recommendations on your time horizon, as this is one of the most important factors in determining the right level of risk:

• If your goal is less than 3 years away, we'll suggest a low-risk approach (mainly money market).
• For goals 3–5 years away, a balanced approach is recommended.
• For goals 5 years or more in the future, we suggest a strategy with more equity exposure for better long-term growth.

If you're not sure where to begin, the app offers helpful prompts and explanations at every step, so you can make informed decisions without needing any prior investment experience.

You can revisit and update your plan any time. As your goals, income or comfort with risk changes, simply edit your goal settings and we'll help you adjust the strategy accordingly. It's all about building a plan that works for you.

If you're on Franc Pro, you also have the option to book a 1:1 financial guidance session with a qualified advisor from LifeCheq. These sessions are designed to help you clarify your financial priorities and set realistic, achievable goals.