The value of your investment can go up or down, and you may get back less than you invested. Nothing in this article is investment, tax or legal advice. |
Your mutual fund units are held via a pooled ("omnibus") nominee arrangement. This is standard practice across the industry: the fund's own records show one combined position for all Trading 212 clients, while we keep our own detailed record of exactly what belongs to you.
Mutual funds are available to UK residents only and are being rolled out gradually, so they may not be available to you yet. If you're eligible but don't have access yet, you can join the waitlist in the app and we'll let you know when access becomes available to you.
Are my mutual fund investments covered by an investor protection scheme?
Your mutual fund holdings are held under the same client asset rules as your other Trading 212 UK investments. If Trading 212 UK fails and can't return your investments, you may be eligible for compensation from the Financial Services Compensation Scheme (FSCS), up to £85,000 per person, covering your eligible investments with us in total, not a separate £85,000 for each fund. FSCS protection doesn't cover the failure of a fund itself, and funds based outside the UK aren't covered by the FSCS.
Does protection cover investment losses?
No. Compensation only applies if Trading 212 UK fails and can't return your investments; it doesn't cover a fund's value falling due to normal market movements, the failure of the fund itself, or, for funds held through a non-UK custodian, the failure of that custodian. That risk sits with you as the investor.
Are mutual funds included in Share Lending?
No. Unlike eligible shares, mutual fund holdings are not included in our Share Lending Programme.