We’re building the stock market of everything.

Assets like cars, art, whisky and wine have outperformed the markets in recent years. So we're launching a new platform that enables Chip users to invest in luxury items. Curated by experts, stored securely.

With investing, your capital is at risk.

Own shares of luxury assets

Instead of owning one £100K Rolex you’ll own 1% of the watch. This is called fractionalising.

Curated by the experts

The assets are chosen by third party experts who know how to pick and store the best products.

See your portfolio in Chip

Start your collection of Alternative Assets and eventually trade them all inside of Chip.

Experts call them Alternative Assets

Invest in real assets.

Own a piece of something amazing. Back your money with real-world assets. Diversify your portfolio and seek returns. Please note that you cannot hold an Alternative Asset investment as part of a GIA or ISA.

Sensible returns behind the sex appeal.

Fundamentally we know this looks much cooler than investing in index tracking stock market funds like the FTSE 100. But this isn't a fad, in fact Alternative Assets can be part of a serious investing strategy, as they offer a demonstrable history of consistent returns.

With this in mind, many fund managers add in alternative assets to their portfolios.

Past performance is not a reliable guide to future returns.

*KFLII is a weighted average of individual asset performance.Source: The Knight Frank Luxury Investment Index (KFLII) Q4 2021


Own shares in luxury items.

Assets like cars, art, whisky and wine have outperformed the markets in recent years. So we're launching a new platform that enables Chip users to invest in luxury items.

Invest in classic cars.

The HAGI Top index, which measures the value of classic cars, increased 264.49% between December 2008 and December 2021.

Investing in classic cars enables you to build a truly diverse portfolio, and brings you exciting investment opportunities with the possibility of remarkable returns.

Learn more →

Invest in wine

In times of market turmoil, investments in fine wine have proven fairly resilient against volatility. In 2021, wine outperformed gold as an investment commodity, with a gain of 19.1%.

Learn more →

Jump the queue.

Want to be the first to know? Pre-register for Alternative Asset updates.

Register Now

Invest in whisky

A decent single malt isn’t saleable until it’s at least 12 years old. And usually, the longer whiskey matures, the more valuable it gets. As it matures, so could your investment.

Coming soon

Invest in art

Fine art was once the preserve of high-net-worth individuals. However, the tables have turned. Sales in the art market swelled by 29% between 2020 and 2021, and the UK market alone has grown 14%.

Coming soon

Alternative Assets industry may reach $17 trillion by 2025.

A combination of high inflation, low cash saving rates and saturated stock market, means Alternative Assets are surging in popularity. Once the playground of the mega-rich, Chip now is using cutting edge tech to open up the opportunities of Alternative Assets to everyone.

Our vision is to create a seamless user experience letting you buy (and sell) shares in these luxury items.

*2020 figure is annualized based on data to October. 2021-2025 are Preqin’s forecasted figures. Source: Preqin

Save like a billionaire.

Over the last few years, Alternative Assets (e.g. wine, whisky, or art) have beaten many financial indices, as well as moving independently from stocks & shares markets. These are commonly used by the wealthy to diversify their portfolios and protect them from stock market shocks.

*Source, Masterworks. Reflects value-weighted price appreciation for all Contemporary Art (works produced after 1945) sold at least twice at public auction. There are significant differences between art investments and stocks. NYU Stern Data Base and Yahoo Finance for S&P 500 data. Past performance is not a reliable guide to future returns.

How will Alternative Assets work?

We’ll be launching a few versions of our Alternative Assets over the coming months. We plan to have a full suite of Alternative Assets in the app that you can buy and sell in a few taps.

What we do:


We source

Our experts curate the rare, valuable, & exciting assets from around the globe.


We fractionalise

We split the asset into legally backed shares through third party specialists.


You invest

Buy shares in the asset starting from just a few pounds.

What you do:

You hold

Alternative Assets are growing. So you can potentially sit back and watch your new (fraction of a) Rolex grow in value.

You trade

Buy & Sell your shares on our secondary market to other Chip customers (coming soon)

You build a collection

See your portfolio of Alternative Assets in the app and be able to curate the perfect list.

For the first version of Alternative Assets users will be able to invest into the assets. Trading and collections are coming soon.

Join the Alternative Assets revolution today.

Assets like cars, art, whisky and wine have outperformed the markets in recent years. So we're launching a new platform that enables Chip users to invest in luxury items.

Alternative Assets FAQs

What Alternative Assets will Chip have available?

We will have a range of different assets available through our new platform. We will announce the first Alternative Asset in due course. 

Are Alternative Assets covered by the Financial Services Compensation Scheme (FSCS)?

Alternative Assets are typically not covered by the FSCS. We will let you know if a specific opportunity includes FSCS cover along with any limitations. 

How can I buy an Alternative Asset?

We are launching a platform that will allow you to buy shares in Alternative Assets. Register above and we’ll make sure to keep you updated on the launch and the first asset available through the platform. 

How safe are Alternative Assets?

Investing in alternative assets involves risks, including illiquidity, lack of dividends and loss of capital, and it should be done only as part of a diversified portfolio. Historically, assets like watches, art, whisky and wine have beaten the markets over the last 10 years. 

When will you launch Alternative Assets?

We will be unveiling the platform as well as the first Alternative Asset available through it very soon. The best way to stay up to date with the launch is to register your interest and we’ll make sure to keep you updated. 

Are Alternative Assets available to international customers?

No. For the time being, only UK residents can use Chip. That being said, we're developing a lot of really exciting new products that we're hoping to bring to an international audience. If this happens, we’ll announce it through the usual channels.

Who are the partners Chip are working with?

We are working with a variety of experts in the field to be able to offer our users these Alternative Assets. The partners are different for each asset class and we will announce them in due course. 

Important Disclosure

This service is not regulated by the Financial Conduct Authority. This section of our website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of the property or other assets invested.

The Alternative Assets service is not currently available and Chip Financial Limited are gathering expressions of interest only at this stage. Once launched, the service will involve Chip Financial Limited acting as an introducer to third-party companies, for which we may receive a fee. The services envisaged may result in you being sent communications from third-parties relating to high-risk investments, which will not be suitable for all readers of this, or any subsequent communications. If you are in any doubt about what you should do, you are encouraged to seek professional advice from an independent financial adviser used to dealing with unlisted and illiquid assets. Chip Financial Limited does not provide Financial Advice. Should you subsequently choose to invest in any of the investments that you hear about as part of the Alternative Assets service, you will be dealing directly with the third-parties offering the investments and not Chip Financial Limited. Chip Financial Limited is not responsible for your decision to invest. You will be required to make your own assessment of the suitability of any products offered by third-parties to meet your own personal needs and circumstances. You should make sure that you understand all risks involved with any particular product offered before investing. Investment into any products offered by third parties may result in capital loss, including the possibility of complete capital loss.

As part of the service we are providing, Chip Financial Limited will perform some pre-qualification to ensure you are eligible to receive communications of the type envisaged and that you agree to receive these. This may involve an assessment of the appropriateness of an investment in Alternative Assets based upon the information we hold about you. This does not mean that any products subsequently offered to you following an introduction by us to a third party are suitable for you, and our assessment should not be regarded as a personal recommendation to invest. Some of the companies we will introduce you to offer illiquid investments. You should not invest in such schemes if you require access to your investments during the anticipated term. Not all of the investments, about which it is anticipated that you will receive communications, are regulated by the Financial Conduct Authority. You will be told which investments are regulated by the Financial Conduct Authority.

Should any of the investments undertaken as a result of introductions made by Chip Financial Limited fail, you will not be covered by the Financial Services Compensation Scheme (FSCS) for financial loss.

Get Started
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.

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.