Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment. Take 2 mins to learn more.

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to
be high risk.

What are the key risks?

1. You could lose all the money you invest

  • If a business that you invest in through this fund fails, you are likely to lose 100% of the money you invested in that business.

2. You are unlikely to be protected if something goes wrong

  • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here. https://www.fscs.org.uk/check/investmentprotection-checker/
  • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCAregulated firm, FOS may be able to
    consider it. Learn more about FOS protection here. https://www.financialombudsman.org.uk/consumers

3. You won’t get your money back quickly

  • This fund invests in unlisted companies which are not liquid. As a result, our timeframe for returning funds are not guaranteed and, particularly where substantial withdrawals are requested, the process to realise investments could take much longer.

4. Don’t put all your eggs in one basket

  • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. A good rule of thumb is not to invest more than 10% of your money in high-risk investments. https://www.fca.org.uk/investsmart/5-questions-ask-you-invest

5. The value of your investment can be reduced

  • The percentage of the business that you own will decrease if the business issues more shares. This could mean that the value of your investment reduces, depending on how
    much the business grows. Most start-up businesses issue multiple rounds of shares.
  • These new shares could have additional rights that your shares don’t have, such as the right to receive a fixed dividend, which could further reduce your chances of getting a
    return on your investment. If you are interested in learning more about how to protect yourself, visit the FCA’s website here. https://www.fca.org.uk/investsmart

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Talking Point: Business Relief

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At Triple Point, we believe estate planning is one of the most important aspects of financial advice.

The Triple Point Estate Planning Service puts money to work through specialist businesses that meet the criteria for Business Relief and arrange funding for both public and private sector companies.

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