Hilbert Investment Solutions

Issuer and other risks


 Investment into Bonds for which Hilbert provides services involves risks to your capital and interest payments. In the event that a borrower was unable to repay a loan, then the bond issuer would attempt to recover the funds outstanding, however such security arrangements do not guarantee full return of capital and interest to the bond holder.

If you are in any doubt about making an investment you are strongly recommended to consult an independent professional financial advisor. Before you subscribe to any Bond you should ensure that you fully understand the risks and determine whether the investment is suitable for you on the basis of all the information available. 

  1. It is important to note that your capital and interest are at risk and are not covered by the Financial Services Compensation Scheme. The fact that the bond is asset backed would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.
  1. The Issuer is not authorised or regulated by the Financial Conduct Authority. In the event that the Issuer becomes insolvent, you may lose some or all of your investment, including interest payments due. If you are in any doubt about making an investment, you are strongly recommended to consult a qualified financial adviser. Before you subscribe to the bonds, you should ensure that you fully understand the risks and determine whether the investment is suitable for you on the basis of all available information.
  1. For Some bonds the net proceeds from bonds will be used by the collateral management team to lend money to third party borrowers and there is credit risk inherent in these lending activities to be undertaken by the collateral management team. As such any adverse changes in credit quality and loan recoverability could affect the collateral management team’s ability to make sufficient payments under the collateral management agreement to enable the issuer to satisfy its own payment obligations to the bondholders.
  1. The bonds are not protected by the Financial Services Compensation Scheme (the ‘FSCS’) or any other government savings or deposit protection scheme. The FSCS will not pay compensation to an investor in the bonds upon the failure of the Issuer. If, the Issuer goes out of business or becomes insolvent, bondholders may lose all or part of their investment in the bonds.
  1. Bonds may have no established trading market when issued, and one may never develop. If a market does develop, it may not be liquid. Investors may not be able to sell their Bonds easily or at prices that will provide them with a yield comparable to similar investments that have a developed secondary market. If an investor chooses to sell prior to maturity of the Bonds, the investor may receive an amount less than the amount due to be repaid upon maturity.
  1. The Account may be closed early if the Investment is terminated early. This could happen if the Issuer is unable to comply with the terms of the Investment because a change in the law means that to do so would be illegal or impractical. In these circumstances the Investment may pay out less than expected or even nothing.
  1. We recommend that you read the prospectus for the bond before you invest.

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