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Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

Investment risk refers to the potential for your investments to fluctuate in value. This can mean gains, but it can also mean losses. It’s the trade-off for seeking higher returns over time.

Managing Risk

At Moneyfarm, we work with you to tailor investments that match your financial goals, risk tolerance, and time horizon. Diversification is key: spreading investments across asset classes can help manage risk.

Past and Future Performance

Past Performance: Historical returns are not a guarantee of future outcomes.
- Simulated Performance: Any projections are illustrative and not reliable indicators of actual results.
- Future Performance: Forecasts are speculative and should not be relied upon as guarantees.

How Risk Varies by Product

We offer a range of investment options, each with unique risks:

Stocks and Shares ISAs: While offering tax efficiency, these are subject to market risk and the potential for capital loss.
Junior ISAs (JISAs): Funds are locked in until the child turns 18, and investment values may fluctuate over time.
Self-Invested Personal Pensions (SIPPs): Contributions and withdrawals have tax implications, and pension funds can decrease in value.
General Investment Accounts (GIAs): Flexible but exposed to market volatility and tax on gains.
Share Investing (Brokerage Accounts): Investments in individual stocks or shares carry high market risk, as prices can be volatile and are influenced by company performance and broader market conditions. Diversification is essential to help manage this risk.

Types of Investment Risk

Capital Risk: The value of your investments may decrease, meaning you could get back less than you invest.
- Market Risk: Prices of investments can fluctuate due to market conditions, economic changes, or global events.
- Inflation Risk: If your returns don’t outpace inflation, your buying power may decline over time.
- Liquidity Risk: Some investments may be harder to sell quickly without affecting their value.
- Performance Risk: Returns can vary between funds, even with similar objectives, depending on the strategy and market conditions.
- Interest Rate Risk: Changes in interest rates can impact investment returns, particularly for bonds and fixed-income securities.

Your Role as an Investor

Understanding your risk tolerance and financial objectives is crucial. Holding your investments over the long term can help mitigate short-term market fluctuations.

Firm Failure & FSCS Protection

Moneyfarm is a FCA regulated investment firm and it is required to ring-fence all your money, which means legally binding agreements ensure that your money belongs to you and cannot be accessed or used by us, the bank or anyone else, even in the event of firm failure. In addition, as an investment firm, in the unlikely event of our collapse due to mismanagement or insolvency, if we are unable to return funds or assets, the FSCS covers losses up to £85,000 per person. Further information about FSCS protection is available here."

Stocks and Shares ISA

General Investment

Managed GIA

General Investment
Managed GIA