Investing can sound like something out of a horror film, full of risk, volatility, and the fear of losing it all. But most of those spooky stories are just myths. This Halloween, we’re busting the biggest investing fears and showing how Chip helps you.
From spreading your money across global companies to starting with as little as £1, investing doesn’t have to be complex or intimidating. You don’t need to be an expert, time the market perfectly, or have a fortune to begin. Small, consistent steps, and the power of compounding, can make all the difference over time.
This Halloween, don’t let old investing ghost stories stop you from building your future. With Chip, the only thing to fear is missing out.
The word investing can send a chill down some people’s spines.
Terms like “volatility” and “risk” can sound straight out of a horror film. And ‘losing all your money’ well that’s the stuff of nightmares.
But here’s the truth: investing doesn’t have to be scary. In fact, once you understand it, it’s far less Freddy Krueger and much more Casper the friendly ghost.
Let’s (ghost)bust a few myths and show you how Chip helps keep your money safe from what’s lurking in the shadows.
Myth 1. “I could lose everything!?”
This is the classic jump scare. But barring something like a zombie apocalypse, it's almost impossible.
Yes, markets go up and down, that’s part of the story.
But when you invest through Chip, your money is spread across hundreds (sometimes thousands) of companies, sectors, and regions. So even if one part of your portfolio takes a fright, others can help you get through the night.
And if we do have a ‘28 Days Later’ scenario, then I think we all have bigger problems than the stock market.
Myth 2. “I need to be an expert”
You don’t need to be a mysterious, all-knowing spectre hiding in a candlelit library to invest. With Chip, you can start from as little as £1, choose from clear, ready-made investment funds that are good to go.
The hard work is done for you, partnering with (real) experts who manage your investments funds for a low-transparent fee, so you can focus on growing your money without wondering what’s hiding under the bed.
Simple, smart, and built for everyone – not just the wizards of Wall Street.
Myth 3: “Now’s not the right time.”
Trying to time the market perfectly is like trying to cheat death in Final Destination – it’s highly unlikely to happen
Markets move, the news cycle changes, and there’s always a new headline to worry about. But history shows that staying invested, rather than trying to time it, is how you survive the scary bits and see the best long-term results.
If you’re nervous, try easing in with pound-cost averaging: investing small amounts regularly, so you smooth out the ups and downs over time. It’s a calm, steady way to build your confidence - and your wealth.
Myth 4: “You need loads of money to get started.”
This one is another work of fiction – like a 104-year-old vampire who decides to use his immortality to endlessly repeat high school.
In fact, getting started early (even with small amounts) can make a huge difference thanks to the magic of compounding; where your returns start earning returns of their own.
At Chip, you can begin with just £1 and build from there. No big commitment, no minimums — just a realistic, approachable way to put your money to work.
So this Halloween…
Don’t let the fear of the unknown and old ghost stories stop you from getting started with investing.
And as an added bonus, start now and pay 0% platform fees* until 31 January 2027. Eligibility & T&Cs apply.
With Chip on your side, a clear plan, and a little guidance, investing isn’t a horror story — it’s just another way to grow your money.
Best,
Stephen.
* Fund management charges apply.
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 provide financial advice.
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Important to know: 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.