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FSCS guide to investment protection

Ask these key questions to make sure your investment is protected

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At FSCS we want you to feel confident and in control of your finances. That's why we've created a set of key questions to ask your provider when you're considering where to put your money. Use them to find out if FSCS protects the investment you're considering so you can make an informed choice that's right for you.

See also our investment protection limits.

You might also be interested in our Pensions protection guide, and our Bank and savings protection checker
Ask your investment product provider or your independent financial adviser these questions

If you're thinking of making an investment, ask

  1. Is this investment product covered by FSCS?
  2. How much of my money is protected?
  3. What would happen to my money if something happened to your business?

If you're talking to your financial adviser, ask

  1. Does FSCS protect financial advice?
  2. What happens if you give me bad advice and your firm fails?
  3. Are all the products you advise people about FSCS protected if the provider fails?
  4. How much of my money is protected?

Thinking about making an investment?

Step 1 - Check

Find out if the particular activity that the authorised firm is carrying out for you is regulated by the Prudential Regulation Authroity (PRA) or the FCA. Only if both the firm and the activity are authorised does FSCS protection to apply.

Ask your firm to confirm that the activity it is carrying out for you is a regulated activity and under what circumstances you would be protected by FSCS if the firm failed.

If you need general guidance about any money matters, visit MoneyHelper. Its support and guidance are free.

Further reading

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Investment questions

Find out more about your investment choices.
Visit the MoneyHelper site
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Protect yourself from scams

Protect your hard-earned money by being able to spot the signs of a scam.
Visit the FCA's site
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Financial advisors

Learn more about financial advisors. Find out what a financial adviser does, and how to choose one.
Visit the MoneyHelper site
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