I & R Guide (invretguide.com) offers you seventeen investment plans. Seventeen. One of them, called TEST, pays 150% “per trade”. If you are thinking about opening an account, please know this first: the UK Financial Conduct Authority put the site on its warning list, shared on IOSCO’s international alerts network on 19 October 2026.
A few of the I & R Guide plans
I & R Guide
invretguide.com
FCA WARNING
- TEST
- 150% per trade, $500 to $2,999
- Basic
- 25% per trade, $3,000 to $29,999
- Beginner
- 16% per trade, $100 to $25,000
- Crypto Premium
- 5.5% per trade
- Crypto Elite
- 1.5% per trade, up to $3,000,000
- Retirement
- 0.9%, $250,000 to $100,000,000
Read the crypto plans in order. Premium pays 5.5% and Elite, the top tier, pays 1.5%. You would put in more money to earn less. Pricing like that only makes sense when nobody intends to pay anything at all.
Paid I & R Guide?
Share your deposit records with us. We will look at them and tell you honestly what can still be done.
Nobody can promise to get your money back. Be careful with anyone who does.
A retirement plan for $100 million
The retirement plan accepts up to one hundred million dollars. Real pension providers are licensed, audited and named on public registers. I & R Guide gives no company, no address and no licence. Offering a retirement product is meant to make you feel the site is serious. It is the opposite: it targets the savings people can least afford to lose.
The page belongs to a template family we keep finding: plans paid “per trade”, “principal return on maturity”, “instant withdrawal”, and a TEST plan left visible to the public. The domain was registered on 29 August 2025.
Already deposited with I & R Guide?
- Do not move up to a bigger plan, even if you are offered a bonus.
- Do not pay any charge to withdraw.
- Save your dashboard, plan and every receipt.
- Call your bank or card provider today.
- Report the site to the FCA.
⚠ I & R Guide red flags
- A TEST plan paying 150% per trade.
- Top tier crypto plan pays less than the one below it.
- A $100 million retirement plan with no licence.
- FCA warning, 19 October 2026.
Our verdict: impossible returns, no owner and a regulator warning. Treat I & R Guide as a scam.
Sources: IOSCO international investor alerts portal (FCA, invretguide.com, 19 October 2026); invretguide.com (checked 29 October 2026); RDAP record. General information only.
