Tag: Ethical Investment

An Introduction to Green and Ethical Investments

Every year, green and ethical investments are becoming more and more popular. Green investing looks for investment possibilities that benefit both the environment and the investor. This form of investment is all about supporting sectors and organizations that are working to make the world a more just and sustainable place. Green and ethical investments may […]

Is Your Green Investment a Safe Investment?

Recent record-breaking temperatures, wildfires, and “hundred-year” floods have made it difficult to ignore climate change. As a result, an increasing number of investors want to ensure that their investments both meet their financial objectives and do something to reduce their environmental ESG impact. “Clients want climate-change plays,” says Lisa Sampson, Sr. Specialist, Business Planning & […]

What Is Ethical Investing and How Do You Do It?

If you want to invest but are concerned about your money going to industries you disagree with, ethical investing may be just what you’re looking for. The goal of ethical investing is to align your personal moral compass with your investment portfolio. Ethical investing is more profitable and easier than ever before, thanks to impact […]

An introduction to green investment funds

More people are adopting greener, more ethical lifestyles, which for many also entails putting their money into Green investment funds. What exactly are green investment funds, we wonder? Where can I locate them? How do I pick one? And much more… Green investment funds are what they sound like. Green investment funds only invest in […]

Ethical and ESG fund investing: Complete guide

When you invest money, it is temporarily utilised by someone else – such as a firm or a government – to fund their activities. But what if any of these actions go against your personal principles or those of your company? For example, if you are anti-smoking, you probably don’t want your money supporting the […]

Ethical investing goes beyond traditional funds.

Evidence  that investment with an emphasis on the environment is going mainstream  Environmentalists cheered by the huge improvements in air quality during the shutdown – and the collapse of coal-fired power generation – have another reason to cheer. Even the stock market works in their favor.  Detailed analysis of environmentally sustainable funds shows that they […]

Ethical Investment Guide

It has been in the last few years that ethical investment has become so popular that it is now  taken seriously by investors.  For 2021, the government has released a new policy document called Greening Finance: A Roadmap to Sustainable Investing. The Global Investment Summit was held in October. Both aim to position the UK […]

Why Should you Invest in an IPO?

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What level of investing risk is suitable for me?

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Important Notice : Investment products are available to you on the basis that you are reasonably believed to be such a person as is described in Article 19 (Investment professionals), Article 48 (Certified high net worth individuals), Article 49 (High net worth companies, unincorporated associations, etc.) Article 50 (Sophisticated investors), Article 50A (Self-certified sophisticated investors) and Article 51 (Associations of high net worth or sophisticated investors) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, or you are a person to whom this information may otherwise lawfully be sent or viewed. If you do not fall within such descriptions, then you should not act upon the information contained on this website. New Capital Link acts as a professional introducer and receives a fee from their working partners for every introduction made. 

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

What are the key risks?

1. You could lose all the money you invest

• If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies. 

• Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.

• These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

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

• The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here. https://www.fscs.org.uk/what-we-cover/investments/ or

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/investment-protection-checker/

• The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm or Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here. https://www.financial-ombudsman.org.uk/consumers

3. You are unlikely to get your money back quickly

• This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money. 

• You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

4. This is a complex investment

• This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests it in, other businesses or property. This makes it difficult for the investor to know where their money is going.

• This makes it difficult to predict how risky the investment is, but it will most likely be high.

• You may wish to get financial advice before deciding to invest.

5. 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

If you are interested in learning more about how to protect yourself, visit the FCA’s website here: https://www.fca.org.uk/investsmart

For further information about minibonds, visit the FCA’s website here.https://www.fca.org.uk/consumers/mini-bonds