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When you sign up for a Chip investment account, either with a Stocks & Shares ISA or General Investment Account, you’ll need to select your investment track.

We offer two tracks at Chip, so you can either have your funds ‘Selected for You’, or you can ‘Do it Yourself’.

What is ‘Selected for You’?

Investing can be time consuming. We launched our ‘Selected for You’ track to give you three simple investment choices based on your risk level: Cautious, Balanced and Adventurous. 

These three options are provided by BlackRock, one of the world’s largest asset managers, and their popular MyMap range.

The MyMap range is a curated selection of ready-made funds, providing you with a cost-effective, diverse, and risk-managed investment solution, all in one place. 
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Here are the MyMap funds in our ‘Selected for You’ range:

• Cautious Fund - MyMap 4 Fund: Prioritises stability and security.
• Balanced Fund - MyMap 5 Fund: More growth focussed, with some security.
• Adventurous Fund - MyMap 6 Fund: Higher risk with the potential of greater long-term rewards. 
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Once you’ve decided which fund is right for you and your level of risk (learn more here), you can leave it to the managers at BlackRock to take care of balancing your investments.

What is ‘Do it Yourself’?

If you’re more familiar with selecting your own investment options, and you’d prefer to ‘Do it Yourself’, this track could be for you. Chip offers a huge selection of curated investment funds that make it easy to build your own portfolio with confidence. 

We offer a range of low-cost investment funds, and with a competitive platform fee of 0.25%, you can keep more of your money working hard in your investments. 

With no commission for buying and selling funds, and simple recurring deposits, you have the flexibility and simplicity to manage your portfolio in line with your long-term financial goals.
 

Choose from these fund categories:

• Global: Invests in companies of all sizes worldwide.
• Multi-Asset: A diversified mix of funds and assets.
• Market Specific: Invests in specific countries or regions.
• Index Trackers: Replicates the performance of a stock market index.
• Thematic: Focuses on specific industries or sectors e.g. AI, Space. 
• Actively Managed: Investment managers actively make decisions.
• Bonds/Money Market Funds: Invests in lower-risk, fixed income assets.
• Commodities: Invests in physical commodities like gold and silver.
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Which one is right for me?

When deciding on your track, think about:

How hands-on do you want to be?

• Selected for You - if you prefer a hands-off approach.
• Do it Yourself - if you want more active control.

How much investing experience do you have?

• Selected for You - if you're new to investing.
• Do it Yourself - if you’re confident making investment decisions.

How much time do you have?

• Selected for You - if you have less time to monitor your portfolio.
• Do it Yourself - if you can dedicate some time to manage investments.

How comfortable are you with risk?

• Selected for You - if you prefer a balanced, risk-tailored approach.
• Do it Yourself - if you're comfortable with higher risk for higher returns.

Are you focused on cost-efficiency?

• Selected for You - for a simpler, lower-cost option.
• Do it Yourself - if you're happy with varying management fees. 

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Chip is committed to helping you build your investments with confidence and trust, regardless of your chosen investment track or experience level.

Whether you're new to investing or seeking to transfer existing investments, Chip is here to support you every step of the way towards achieving your long-term financial goals.

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When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than your original investment. Chip does not offer financial advice and this should not be considered as a personal recommendation.

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