# FSCS compensation scheme

**URL:** <https://community.investengine.com/t/fscs-compensation-scheme/979>\
**Category:** General\
**Created:** [19 May 2023 11:58 UTC](https://community.investengine.com/t/fscs-compensation-scheme/979 "2023-05-19T11:58:33Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![daaskew](https://avatars.discourse-cdn.com/v4/letter/d/fbc32d/32.png) [@daaskew](https://community.investengine.com/u/daaskew)\
**Post date:** [19 May 2023 11:58 UTC](https://community.investengine.com/t/fscs-compensation-scheme/979/1 "2023-05-19T11:58:33Z")

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How is everyone dealing with the £85K limit for FSCS. General investments, ISA and SIPP’s can exceed this limit easily. How comfortable exceeding the limit for the likes of Investengine ?

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**Author:** ![shrimper](https://avatars.discourse-cdn.com/v4/letter/s/8dc957/32.png) [@shrimper](https://community.investengine.com/u/shrimper)\
**Post date:** [19 May 2023 20:33 UTC](https://community.investengine.com/t/fscs-compensation-scheme/979/2 "2023-05-19T20:33:29Z")

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I believe your invested funds are ringfenced from InvestEngine funds - so a bankruptcy of InvestEngine should not impact any invested funds in terms of value - I’d 'imagine there may be a few days where you may not be able to access your account whilst things are transferred to new providers or a takeover organised.

So in that sense a £85k protection doesn’t bother me for non cash ISA’s, SIPPS, GIA etc. But I don’t hold all my investments with one platform - in case of any issue (hacking/insolvency etc) that may impede access when needed.