How British companies build resilient investment portfolios
Persistent inflationary pressures, currently at 3.8%, and ongoing monetary policy uncertainty have made portfolio resilience more critical than ever before. For decades, gold, fiat, and real estate have been the standard for creating resilient investment portfolios. Today, UK companies look beyond these traditional options to build innovative investments that provide and retain value over time. These modern investment models range from cryptocurrencies and crypto-derived products to future-proof stocks, real-world asset tokens (RWAs), and stock indices.
Understanding resilient investments
Businesses face several challenges while preserving the value of money and building long-term wealth. Leaving revenue purely in fiat comes with the risks of depreciation in the event of inflation, which is fast becoming the economic norm. Building resilient investments is centered around preserving and growing wealth using assets that can withstand economic downturns, market volatility, and shifting global trends.
Investments are not entirely risk-free, but those that make for resilient assets usually have a quality that makes them resistant to significant losses over time. For example, top cryptocurrency investments accessible on platforms like Coinpass have certain features in common, including strong fundamentals, future potential, and consistent demand regardless of economic cycles.
Building a resilient investment portfolio requires a long-term focus, diversifying across various innovative asset classes, and strategically making investing choices not just because they are deemed safe but because they offer better and more stable market performance in the long run.
Top 5 innovative investments for British enterprises
- Cryptocurrencies
- Crypto-derived products
- Future-proof stocks
- Real-world asset tokens (RWAs)
- Stock indices.
1. Cryptocurrencies
Cryptocurrencies are digital assets that can offer both high risk and high reward. In the UK, small businesses increasingly use crypto not just as speculative assets but as a means for faster payments, especially in cross‑border transactions. Around 25% of UK small businesses have adopted or accept cryptocurrencies in some form, with many saying it helps business growth and reduces transaction time. Regulatory changes are also in motion: the UK’s Financial Conduct Authority (FCA) is proposing some exemptions and new rules for crypto firms, aiming to strike a balance between encouraging innovation and protecting consumers. For companies, well‑chosen cryptocurrencies with strong fundamentals and liquidity can act as parts of resilient portfolios, especially when inflation and currency risk are high.
2. Crypto‑derived products
Crypto‑derived products include stablecoins, tokenized funds, and yield‑generating DeFi instruments. They often combine features of traditional finance with the advantages of digital assets such as speed, transparency, and programmability. In 2025, there has been a rise in tokenised money market funds: for example, DBS, Franklin Templeton and Ripple teamed up to allow institutional investors to trade and lend via tokenised U.S. dollar money market funds using Ripple’s stablecoin infrastructure. Also, stablecoins themselves are under regulatory focus in the UK (e.g. proposed limits on ownership by individuals), which shows both their growing usage and the need for safeguards. Firms that use crypto‑derived products may benefit from higher yield or utility, but need to monitor regulatory, counterparty, and smart contract risks.
3. Future‑proof stocks
Future‑proof stocks are equities in companies well‑positioned for long‑term secular trends: e.g., AI, green energy, healthcare innovation, defence, and infrastructure. In the UK, some stocks are standing out. Rolls‑Royce has shown strong recovery, benefitting from both defence and aerospace demand. It reports improving financial resilience, reduced debt, and strong cash flows, and technology and AI are also major drivers. For example, UK tech firms like Computacenter benefit from the demand for AI infrastructure, especially overseas. Investors in future‑proof stocks often look for firms with strong fundamentals: good cash flow, low leverage, exposure to growth trends, and some defensive qualities to help weather economic cycles.
4. Real‑world asset tokens (RWAs)
RWAs are physical or traditional financial assets (real estate, bonds, commodities, private credit, etc.) represented as digital tokens. This tokenization lets investors buy fractions, trade more efficiently, and often reduce friction and cost. The RWA market has grown quickly: it increased by around 380% over three years, reaching US$24 billion in mid‑2025. Projections by Standard Chartered and others suggest the market could reach many trillions over the next decade. In the UK, institutions are showing interest: LSEG (London Stock Exchange Group) has rolled out a blockchain‑based platform for private funds, offering issuance to settlement and servicing via digital infrastructure. For enterprises, RWAs provide exposure to traditionally stable, value‑holding assets while leveraging modern digital efficiencies.
5. Stock indices
Stock indices provide diversified exposure to many stocks simultaneously, reducing single‐company risk. FTSE indices (like the FTSE 100) and sector indices can be core defensive components for British enterprises. In 2025, some UK indices remain attractive versus global peers due to lower valuations. For example, some UK stocks are trading with forward P/E well below comparable U.S. stocks. Also, the performance of some FTSE 100 constituents (like Shell, BP, Relx, Rio Tinto, etc.) shows that even in volatile global markets, indices anchored in sectors such as energy, resources, and staples help buffer portfolios. Enterprises using index‑based investments can gain steady returns, dividend income, and broad sector exposure, which aids resilience, especially when inflation and interest rate trends are uncertain.
Taking the first step forward
The businesses that will thrive in the coming years are those willing to learn, adapt, and make wise choices even when the economic picture looks unclear. While traditional investments still have their place, the companies embracing these new tools today are setting themselves up for tomorrow’s opportunities. The key is to start small, stay informed, and remember that the most significant risk might be doing nothing at all.