Full-bodied investing

Invest in wine.

Diversify your portfolio with investment grade wines. Own bottles from award winning Bordeaux Châteaux, world famous Champagne houses or the cult wines of California. The humble grape to liquid gold.

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

The case for fine wine

We bring investment grade wine portfolios built exclusively for Chip users. Making investing in wine as easy as drinking it.

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Curated by our partner in wine

Investment wines are selected by experts for the belief in their ability to potentially appreciate in value. With multiple factors considered.

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Wine at the top table

In 2021 Fine Wine outperformed traditional markets and commodities including the DOW Jones, FTSE 100 and gold.

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Why invest in wine?

Investing in wine has seen a return of 49.5% since 2017.

Wine investing is growing in popularity as an alternative asset due to fine wine’s history of solid returns, stability and low-correlation to the stock market.

Investing in fine wine generally has long been a strategy employed by the wealthy to diversify their portfolios. Aiming to protecting against stock market volatility and rising inflation.

*The Liv-ex Fine Wine 1000 index, representing 1,000 investment grade wines, has returned 49.5% since 2017*.

How it works

How investing in wine works.

1

We partner with experts

Chip has partners with industry experts to introduce managed wine investment opportunities to you via our app.

2

Ready-made portfolios

We bring you ready-made portfolios with wines stored in a bonded warehouse in optimum conditions.

3

You sell

Full provenance guarantees the origin, ownership and authenticity of the wine for when it's time to sell.

Wine investments with Chip

Same investment grade wine, now accessible to you.

Wine investing works like traditional investing, where instead of stocks, commodities or property, assets are bottles of fine wine. This is not investing in a fund, an NFT or fractional ownership. An investor owns the physical bottles of wine outright.

This isn’t your average off-license Echo Falls, this is investment grade fine wine from some of the most acclaimed producers and viticulture regions in the world.

We're bringing the same investment grade wine to our platform at a lower barrier to entry. Curated by experts. Stored securely.

What are investment grade wines?

Not your supermarket vin ordinaire.  These vintages are  from world class estates renowned internationally for creating exceptional wines, giving them iconic brand status and value.

Bordeaux red blend
Château Beychevelle

Purchases of Beychevelle have returned 47% over the last 5 years (measured until end-March 2022)

Merlot
Château Petrus

The Petrus index – which tracks the price performance of the last ten physical vintages – has risen over 300% since its launch in December 2003

Cabernet Sauvignon
Screaming Eagle

The last five vintages from the 'cult' Californian winery Screaming Eagle have returned an average of 79.4 % over the last five years.

Chardonnay & Pinot Noir blend
Rare Champagne

Produced by 8x IWC winner Régis Camus. With only 12 vintages ever made since its inception in 1976, Rare certainly lives up to its name.

Wine on your mind?

Register here for updates and information on upcoming portfolios.

FAQs investing in wine

How much do you need to invest in wine?    

Traditionally wine investing has been mostly inaccessible with a high barrier to entry. Limited to industry insiders and high net worth individuals.

At Chip we wanted to open this asset class with our first portfolio available from £1320.

How will wines increase in value?

Only 1% of wines globally are considered investment grade. Our expert partner selects wines they believe are particularly special vintages and can potentially appreciate in value. Many factors are used to determine this from quality, rarity, market demand and scores from industry critics and publications.

How do I invest in wine with Chip?

Chip is offering investment grade wine portfolios curated for our users by our expert partners. You will have the opportunity to invest in them through our app

Is wine a smart investment?    

As with all investing, your capital is at risk. Fine wines as part of a diversified portfolio can offer a track record of reliable returns and low volatility with performance that is traditionally uncorrelated to the wider financial markets.

How are the wines stored?

These assets are stored in optimum conditions for investment grade wines. Temperature, humidity and other microclimatic factors are closely controlled.

Wines come full provenance which guarantees the origin, ownership and authenticity of the wine for when it's time to sell. Their facilities are watched over by security systems 24/7

Can I only invest in wine?

We are currently testing a few different asset classes. We have successfully fractionalised 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.

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.