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Risk Warning - Notice to UK Users  

Estimated reading time: 2 mins

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.

What are the key risks?

1.You could lose all the money you invest

The performance of most cryptoassets can be highly volatile, with their value dropping as quickly as it can rise. You should be prepared to lose all the money you invest in crypto assets.

The crypto asset market is largely unregulated. There is a risk of losing money or any cryptoassets you purchase due to risks such as cyber-attacks, financial crime and firm failure.

2.You should not expect to be protected if something goes wrong

The Financial Services Compensation Scheme (FSCS) doesn’t protect this type of investment because it’s not a ‘specified investment’ under the UK regulatory regime – in other words, this type of investment isn’t recognised as the sort of investment that the FSCS can protect. Learn more by using the FSCS investment protection checker here.

The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm. Learn more about FOS protection here.

3.You may not be able to sell your investment when you want to

There is no guarantee that investments in crypto assets can be easily sold at any given time. The ability to sell a crypto asset depends on various factors, including the supply and demand in the market at that time.

Operational failings such as technology outages, cyber-attacks and comingling of funds could cause unwanted delay and you may be unable to sell your crypto assets at the time you want.

4.Cryptoasset investments can be complex

Investments in crypto assets can be complex, making it difficult to understand the risks associated with the investment.

You should do your own research before investing. If something sounds too good to be true, itprobably is.

5.Don’t put all your eggs in one basket

Putting all your money into a single type of investment 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. Learn more here.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about cryptoassets, visit the FCA’s website here.

The best ways to invest money UK

Investing in the UK: A beginner's guide to the best investment strategies and options for making your money work for you.

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When it comes to investing, whether you're looking to put in a lump sum or small monthly instalments, the sooner the better. With many options available, we're going to navigate you through the various options and the dos and don'ts of the best ways to invest money in the UK. 

The benefits of investing

Investing is a tool used to increase your personal wealth through acquiring an asset that will bring about returns. Investing allows your money to grow over a long term period, ideally with minimal input from the investor. Investments also have the potential to outperform inflation, provide a regular income, and help you reach your financial goals. Learning how these work will be beneficial to your overall value of success.

Of course, there are many different ways you can invest your money, with several options depending on your financial position, goals, bank account preferences, timeline, growth goals, and risk preferences.

The best ways to invest money in the UK.

Consider "best" to be the best option according to your case, as there is never a one size fits all approach to investments. Every asset or investment vehicle is subject to upward and downward swings in the market, and all risks should be considered before choosing the right option for you.

Below we explore several different options one has available to his reach in the United Kingdom. 

Savings Accounts

Savings accounts are considered to be low risk and involve depositing a lump sum into an interest-bearing account. Some accounts allow money to be withdrawn at any time alongside variable interest rates (known as notice accounts) while other accounts like fixed-rate bonds require the investor to leave the money in the account for a set period of time, with fixed interest rates. Shop around to find the best interest rates if this is the direction you choose to head in.

Stocks and Shares

Stock markets are typically what comes to mind when thinking of investing, and for good reason. Stock markets provide the opportunity to potentially provide higher returns than savings accounts and allow investors to diversify their portfolios with risk tailored to suit the individual. These investment types typically run for a longer time period and may charge a withdrawal fee if you take them out sooner. The downside is, of course, market volatility.

Cash & Lifetime ISAs

An ISA is an individual savings account, similar to a traditional savings account only these ones are tax-free. There is an annual limit of £20,000 on your deposits. 

Cash ISAs can be broken down into three categories; one offering access to the funds, another centred around monthly deposits and the last offering a fixed interest rate. 

Lifetime ISAs are available to anyone between the ages of 18 and 40. While the cap on savings is £4,000 per year, the government will add 25% to your savings each year (up to £1,000) until you're 50.

It's best to consult with your financial advisor to discern which is the better option for you.

Tips For Investing

Whichever investment service you choose to take, there are several factors that reign true across all of them:

  • The best time to start is now, the earliest you invest the earlier you generate revenues. 
  • Small, consistent deposits can yield better results over time than a lump sum
  • If investing in stocks or crypto: mitigate your risk
  • The longer, the better

Investing can lead to healthy returns, whether for a deposit on a house or your retirement. While we've guided you through the various investment options available in England, please consult your financial advisor before making any decisions. For example, if you have a significant amount of credit, large mortgage repayments or several credit cards that need to be paid off, investing might not be the best option that's why it is best to consult a professional who can guide you properly.

Disclaimer: This article is intended for communication purposes only, you should not consider any such information, opinions or other material as financial advice. The information herein does not constitute an offer to sell or the solicitation to purchase/invest in any crypto assets and is not to be taken as a recommendation that any particular investment or trading approach is appropriate for any specific person. There is a possibility of risk in investing in crypto assets and investors are exposed to fluctuations in the crypto asset market. This communication should be read in conjunction with Tap's Terms and Conditions.


This article is for general information purposes only and is not intended to constitute legal or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.


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