1. Consumers
  2. Track your investments
  3. How to deal with problems

How to deal with problems

Here’s what to do if:

  • Your investment value falls
  • Your investment company gets into financial trouble
  • You think you've been scammed
  • You think you've been given bad advice

Your investment value falls

If your investment value falls, don’t panic. This is a normal part of investing and reacting by making changes when the value is low will often make things worse. Keep your end goal in mind. If your goal is mid-term to long-term, it’s likely you’ll have enough time for your investment to regain value.

If you’re worried about an investment loss, you may want to get advice from a financial adviser.

Your provider gets into financial trouble

You should contact your investment provider immediately if:

  • they fail to pay you any expected interest payment or dividend
  • you see something in the media about your investment company going into administration, liquidation or receivership.

Whether you get any money back depends on the investment and the company’s financial status. For example, if you own shares in the company, money will be paid to any creditors before you.

It's a good idea to get legal advice early on. If there’s been any misconduct or a breach of the law, you may be compensated.

You think you've been scammed

Investment scams are often so professional, slick and believable that it is hard to tell them apart from genuine investment opportunities. The scammers set up a fake business and website to trick people out of their money. If you think you’ve been scammed, make a complaint.

You've been given bad advice

If you think an authorised financial adviser has given you bad advice, you have the right to make a complaint. See our getting financial advice section to learn what good advice looks like.