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Chip’s investment platform allows you to invest with ease in a simple range of investment funds. Enough choice to diversify your portfolio, without overwhelming you with thousands of options.
You don’t need to pick stocks, read the Financial Times or follow mad strategies from forums. We make it as easy to build wealth like a pro with investment funds managed by the experts.
Stocks & Shares Individual Savings Accounts (ISA for short), enable you to seek tax-free returns on your investments.
You can put up to £20,000 every tax year into your Stocks & Shares ISA, and any profits you earn will be completely tax-free.*
*Tax treatment depends on individual circumstances. Chip does not offer tax or financial advice.
General Investment Accounts (GIA) are used if you have more than £20,000 to invest, already have a Stocks & Shares ISA elsewhere, or you've already used your annual ISA allowance.
GIAs allow you to contribute as much as you like in a tax year. The only other difference is that there’s no tax benefit to using a GIA.
Build a diversified portfolio using our full range of investment funds with 0% platform fees*. Available with a ChipX plan.
Ethical X (MyMap 5 Select ESG Fund from BlackRock) is a collection of highly diversified ethical funds grouped together in one single fund. The fund aims to consistently invest with the principles of environmental, social and governance (ESG) values.
The aim of the Fund is to provide, over five-year periods, a return on your investment (generated through an increase in the value of the assets held by the Fund and/or income received from those assets) through an actively managed portfolio.
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Key investor information document
An ethical investment fund is a mutual fund or ETF (exchange traded commodity) that aims to achieve positive returns for investors while prioritising environmental, social and governance considerations (known as ESG) in its decision making.
Fund managers will only invest in companies that adhere to a set of criteria or hit a certain ESG rating. They will look to avoid investing in companies or areas that harm the environment or wider society such as fossil fuels, tobacco and firearms.
There are a number of ways that investors can invest ethically either by using their own personal values, using a widely referenced industry ESG rating system (e.g. MSCI ESG score*) or seeking professional independent advice from an expert.
It can come down to personal choice as investors will hold their own set of personal values and opinions as what makes an ethical company or product.
*MSCI ESG Ratings aim to measure a company’s management of financially relevant ESG risks and opportunities.
Investing money ethically is about considering values as well as potential returns. You can look to invest in areas you deem to be worthy such as climate change, workers rights and gender equality and avoid areas like firearms, tobacco and gambling when selecting companies and funds to invest in.
Definitions of what are deemed to be ESG and ethical funds can be broad: so it’s important to do your own research to choose the investments that are right for you.
Environmental, social, and governance (ESG) investing refers to a set of standards for a company’s behaviour used by socially conscious investors to screen potential investments.
At Chip we want to make it easy to invest in line with your values and how you see the world. When choosing which funds to invest in, we’ve given our ethical funds their own section so it's easy for you to identify which funds have an ESG rating.
Make your money go further with 0% platform fees today.
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Past performance is not a reliable guide to future returns. The value of your investment may go down, as well as up and you might get back less than you originally invested.
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