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Risk Information

Every category of financial approach described on this site carries risk. The value of investments can fall as well as rise and you may get back less than you put in. Nothing on this site is risk-free, and no return is promised or guaranteed.

Lower-Risk Managed Investing

Lower risk than growth-focused or trading approaches, but not risk-free. Values can still fall, and inflation can reduce the real value of returns.

Potential growth is usually more modest than higher-risk approaches. Charges apply. Past performance does not indicate future results.

AI-Assisted Trading

Higher risk. Trading involves substantial risk and losses are possible. Automated or AI-assisted systems do not guarantee returns. Markets can move quickly and models can perform poorly in conditions they were not designed for.

Not suitable if protecting your capital is your highest priority. No system removes risk, and results vary. Only consider amounts you could afford to lose.

Income-Focused Investing

Moderate and dependent on the underlying investments. Distributions are not guaranteed, can be reduced or stopped, and capital values can fall.

Income is variable, not promised. Higher potential income usually comes with more capital risk. Tax treatment depends on your circumstances.

Self-Directed Investing

Varies entirely with what you choose. Concentrated or unfamiliar holdings can carry substantial risk, and outcomes depend heavily on your own decisions.

No professional oversight of your choices. Requires time, discipline and a reasonable level of knowledge. Mistakes are borne by you.

Trading risk warning

Trading involves substantial risk and losses are possible. Automated or AI-assisted systems do not guarantee returns.

Tax and advice

Tax treatment depends on your individual circumstances and may change. This site does not provide regulated personalised financial advice. If you are unsure, consider taking independent advice.

Our status

Money Potential Check Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom, operates this site as an information and categorisation service. We are not authorised or regulated by the Financial Conduct Authority, we do not arrange, promote or advise on investments, and we do not assess whether any approach is suitable for you. Consultant firms we introduce you to are independent and responsible for their own regulatory status and disclosures — always check the FCA Register (register.fca.org.uk) before you commit money to anyone.

Before you decide

  • Only consider capital you could afford to lose without affecting your standard of living.
  • Ask for the full costs, charges and exit terms in writing before committing.
  • Be cautious of anyone who pressures you, promises fixed returns, or discourages you from taking advice.
  • Check the FCA ScamSmart service (fca.org.uk/scamsmart) if anything feels wrong, and consider free guidance from MoneyHelper (moneyhelper.org.uk).

Questions about this page? Email support@moneypotentialcheck.com.