State-of-the-art investing

Invest in art

Diversify your art portfolio and own a share of a masterpiece. Think: Picasso, Banksy, or Warhol. Working with industry experts, we’re giving you  the opportunity to invest in iconic, contemporary artworks.

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Capital at risk. Investing in art is high risk and don’t invest unless you’re prepared to lose all the money you invest.

World-class investing

The UK ranked 3rd place in worldwide art sales, occupying 17% of the art market.

Art in the frame

The UK art market increased by 14% year-on-year to $11.3 billion.

Show me the Monet

Last year in 2021, the global art sales reached over $65 billion.

Why invest in art?

Contemporary art has out performed the S&P 500 over the last 25 years.

The global art market was estimated at $65.1 billion in 2021, according to the Art and Art Basel Market Report. Leading auction houses, Sotheby’s and Christie’s also posted record sales last year, both coming in over $7 billion.

*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 it works

How investing in art works


We partner

We work with industry experts that bring you the opportunity to invest in iconic, contemporary artworks they believe could appreciate in value.


Ready-made portfolios

Like buying shares in a company, buying shares in an artwork (fund) that has been selected and sourced by experts.


You sell

Experts monitor the value of the painting and sell it at the moment they consider value to be the highest based on their experience and market conditions.

Art investments with Chip

State-of-the-art investing with Chip.

Chip is an app designed to build your wealth. What stared with a way to save automatically, grew into a variety of diversified multi-asset funds powered the biggest names in the industry.

Now, Chip the UK's only Alternative Assets investment app. Assets, like art 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.

Own a piece of something amazing. Back your money with real-world assets. Diversify your portfolio and seek returns.

Own a share of a masterpiece.

Register here for updates and information on upcoming portfolios.

FAQs investing in art

Is art a good investment?

Like all investment decision,  it varies from person to person, risk appetite to risk appetite. You should always do your own research before considering to invest in an alternative asset, like art.

If you've got a palette for returns, you only need to see that contemporary art has outperformed the S&P for the past 25 years the global art market was estimated at 65.1 billion in 2021, according to the Art and Art Basel Market Report. Leading auction houses Christina's and Sotheby’s also posted record sales for 2021.

Beyond the impressive performance, the rung of celebrity art collectors may hold more clout. Leonardo DiCaprio, Beyonce, Brad Pitt, David and Victoria Beckham are among the A-listers who invest in art.

How much do you need to invest in art?

Typically you would need a substantial amount of money to invest in art pieces. However, fractional art investing allows you to invest in art at a much lower cost.

Can I only invest in art?

We are currently testing a few different asset classes. We have successfully sold a Ferrari Testarossa, and a portfolio of French wine. We plan to test Whiskey and watches in the future, so make sure you're keeping up with what we're up to to ensure you don't miss out on the next opportunity to invest in Alternatives Assets.

Where can I invest in art?

Chip is offering introductions to art investing opportunities selected by an expert industry partner. You will have the opportunity to invest in them through our app.

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.

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.