Is my money safe when I invest with Flexible Cash Funds?
Low-risk funds
Through Flexible Cash Funds, you invest in a money market fund. The money market funds available have been carefully selected by us for their low-risk — risk indicator of 1/7, lowest on the PRIIPs scale. These funds are typically used by banks and large corporations to protect against inflation.
To get a detailed understanding of the risks involved, we recommend reading the fund's 'Prospectus and Key Information Document' available in-app, as well as our 'Risk Disclosure'. These documents can be found in the 'Flexible Cash Funds' section under 'Regulatory documents'.
Investors should note that investing in money market funds isn't a guaranteed investment. An investment in money market funds is different from a traditional savings account because of the risks involved. Just like with any investment, the value of your investments can go up as well as down.
Assets are safeguarded and insured
Your shares in money market funds are segregated from the assets of third parties — e.g. the fund manager or the depositary — and Revolut Securities Europe UAB. They shouldn't be affected if anything were to happen to Revolut Securities Europe UAB, such as bankruptcy.
Although a deposit guarantee scheme doesn't apply to Flexible Cash Funds, you'll be insured under the Lithuanian Liabilities to Investors Insurance Scheme.
This insurance on your assets covers up to €22,000 of all your cash and investments with us in the unlikely event of the liquidation of Revolut Securities Europe UAB, and failure to protect your assets. This insurance doesn't cover investment risk. To find out more, visit this page on our website.