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One place for savings and investments.

3.82% AER (variable) on up to £250,000 in instant access savings

0% platform fee* stocks & shares ISA

Intelligent automatic saving and investing tools

Diversified funds from the world's biggest asset managers

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Save and invest all in one place.

Our mission is to make building your wealth simple. Across savings, investment funds.

We allow you to build a truly diverse portfolio exactly the way that works for you. All in one savings and investment app.

Invest without lifting a finger.

Use our award-winning tech to invest automatically, based on your disposable income. Learn more →

Savings Accounts

Our savings accounts have some highly competitive rates. A savings app to help grow your wealth.
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Alternative Assets risk summary

2 min read

What are the key risks?

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

1. You could lose all the money you invest

• If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.

• Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.

2. You are unlikely to be protected if something goes wrong

• Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.

• Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA- regulated firm, FOS may be able to consider it. Learn more about FOS protection here.

3. You are unlikely to get your money back quickly

• Even if the business you invest in is successful, it will likely take several years to get your money back.

• This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.

• You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

• You may have to pay exit fees or additional charges to take any money out of your investment early.

4. This is a complex investment

• This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.

• This makes it difficult to predict how risky the investment is, but it will most likely be high.

• You may wish to get financial advice before deciding to invest.

5. Don't put all your eggs in one basket

• Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

• A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

Meet Chip.
Your wealth app.

Meet Chip.
Your wealth app.

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