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25 Apr 2025
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The Three Investor Types

Learn about Pfida's, three investor types – High Net Worth, IFA Certified, and Self Certified Sophisticated, and find out which category you belong to.
Clock icon 3 min read
By Sumaiya A

At Pfida, we categorise eligible investors into three key groups to ensure everyone understands the potential risks and benefits of their investment. Here’s a quick breakdown to help you find where you fit.

Why Do Investor Types Exist?

Investment always comes with some level of risk. Investor categories are designed to ensure that those participating in certain opportunities are qualified or experienced enough to make informed decisions. Pfida’s high standards help protect our clients while offering them access to meaningful opportunities.

The Three Investor Types

1. High-Net-Worth Investor

This category is for individuals with significant financial stability. You qualify if (in the financial year before the date of your investment):

  • You earned £100,000+ (excluding money drawn from your pension savings)
  • You held £250,000+ in net assets (excluding your excluding assets such as your primary home and rights of insurance).

These requirements indicate you have the financial footing to confidently explore a diverse range of opportunities, including Pfida’s Grow-Your-Savings account.

2. IFA-Certified Investor

Also known as certified sophisticated investors, this group requires confirmation from an FCA regulated financial advisor. To qualify:

  • You need a written certificate from an authorised financial advisor confirming your understanding of the risks involved.
  • You must have signed a statement (within the last 12 months) acknowledging you’re eligible to receive promotions exempt from Financial Services and Markets Act restrictions.

Not certified yet? Speak to a regulated Independent Financial Advisor (IFA). When you register for an account with Pfida and we’d be happy to connect you with trusted experts familiar with Pfida’s offerings.

3. Self-Certified Sophisticated Investor

If you have prior experience in similar investments or professional finance, you may qualify as a self-certified sophisticated investor. You’re eligible if any of the following apply:

  • You’ve invested in at least two unlisted companies in the past two years.
  • You’ve been a member of a business angel network or syndicate for at least the last 6 months.
  • You’ve worked in private equity or SME financing within the last two years.
  • You’ve been a director of a company with a turnover of £1 million+ within the past two years.

This category is for those who are already well-versed in navigating more complex investments.

Not Sure Which Category You Fit?

If you don’t currently meet the criteria or you’re not sure which category you fall into, don’t worry! Here’s how we can help:

  • Speak to an advisor: Gain access to a free consultation with an authorised IFA so that that they can assess your situation and help you work toward eligibility.
  • Contact Pfida’s support team: Our friendly team is here to guide you and connect you with experienced advisors who understand Pfida’s solutions.

What’s Next?

Once you’ve identified your investor type and confirmed eligibility, it’s time to explore the opportunities within the Grow-Your-Savings program. Designed for those seeking smart, Shariah-compliant options, this account can help you grow your wealth efficiently and transparently.

If you still have questions or need tailored advice, connect with us today. With the right guidance, taking the next step toward your financial goals has never been easier. Click this link to sign up and be redirected to the PLC.