Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    Does FSCS cover me if my platform goes bust?

    06 August 2025

    Question by A

    Hi Holly and team,

    Re your article about ready-made portfolios, I wonder what the position is on the £85,000 FSCS compensation.

    I read that if, for example, I buy £100,000 of AJ Bell Balanced, even though it is invested in a range of funds, I would only get £85,000 back in the event of a problem with AJ Bell.

    Is that correct?

    Answered by Boring Money

    Hi,

    Thank you for your question - this is indeed a very sensible query.

    AJ Bell Youinvest is listed on the FTSE 250 and is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the Financial Services Compensation Scheme (FSCS).

    The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation.

    You can read more about investors' protections with AJ Bell here.

    Hope this helps!

    Answered by

    Boring Money

    Here to help you understand your options and make smart money choices.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.