What are the key risks?

1. You could lose all the money you invest

If the business you invest in fails, you are likely to lose 100% of the money you invested. Most start-up businesses fail.

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 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.

• 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.

3. You won’t get your money back quickly

• Even if the business you invest in is successful, it may take several years to get your money back. You are unlikely to be able to sell your investment early.

• The most likely way to get your money back is if the business is bought by another business or lists its shares on an exchange such as the London Stock Exchange. These events are not common.

• If you are investing in a start-up business, you should not expect to get your money back through dividends. Start-up businesses rarely pay these.

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. See 5 questions to ask before 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.

Don’t invest unless you’re prepared to lose all your money invested. This is a high risk investment. You could lose all the money you invest and are unlikely to be protected if something goes wrong. Take 2 mins to learn more

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Hambro Perks Limited and members of the Hambro Perks group of companies (together, the “HP Group”) include Hambro Perks Asset Management Limited (“HPAM Ltd”) and Hambro Perks Advisory LLP (“HPA LLP”).

HPAM Ltd is a non-cellular company incorporated in Guernsey with company number 64127 and registered office at PO Box 286, 2nd Floor, Trafalgar Court, Les Banques, St Peter Port, Guernsey, GY1 4LY. HPAM Ltd is licensed under the Protection of Investors (Bailiwick of Guernsey) Law, 1987, by the Guernsey Financial Services Commission with reference number 2293289.

HPA LLP is a Limited Liability Partnership registered in England with company number OC419104, with registered office at 111 Buckingham Palace Road, London SW1W 0SR. HPA LLP is an appointed representative of Alternative St James LLP which is authorised and regulated by the Financial Conduct Authority with FCA number 430914. HPA LLP’s FCA number is 791891.

Risk Warning

What are the key risks?

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