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The offers on this website may not be suitable for all investors and we strongly recommend that investors should seek advice about the suitability of any investment for their needs and objectives from a regulated adviser. No information given on this website is intended to be legal, tax or investment advice and should not be taken as such.

The information on this website may not be reproduced, distributed or published by any recipient for any purpose without the prior written consent of RAM Capital Partners LLP.

RAM does its best to ensure the accuracy of the details on this site but as much information is received from our fund manager clients there may be instances outside of our control where there is a time lag.

INVESTMENT SPECIFIC RISK FACTORS

Each brochure, and Information Memorandum or equivalent listed on this site will contain product specific risks which should be considered before any investment decision is made.

Below is a summary of the key risks common to the products that we promote to intermediaries on this site: Venture Capital Trusts (“VCT”), Enterprise Investment Schemes (“EIS”), Seed Enterprise Investment Schemes (“SEIS”) or Inheritance Tax (“IHT”) Schemes. This list is not exhaustive but is intended to provide a useful steer to investors and their advisors.

Capital At Risk: Investments promoted on this site put investors’ capital at risk. The tax reliefs available reflect the fact that investing in unlisted, smaller companies carries additional risk when compared to listed, established companies. As a result the value of the investments may decline and investors may lose all or part of their investment.

Liquidity: Shares in unlisted companies and funds that invest in such companies can be hard to exit or sell. There is usually no ready market or willing buyer of such shares, making the shares illiquid. As a result these should be seen as long term investments and investors should be comfortable that they will not be able to easily access this portion of their portfolio.

Performance Indicators: Documentation and information on this site may refer to how funds or fund managers have performed in the past, or could have performed if they had been in existence. It is important to note that previous performance is no guarantee that the investment or fund manager will perform as well in future. The value of shares in any investment on this site may go down as well as up. Equally, if there are predictions about how an investment could perform in future, these are only forecasts and should not be relied upon as any form of guarantee.

Vulnerabilities: smaller companies can be more affected by adversity. For example, they may be highly dependent on the skills of a small group of key executives and they may be especially vulnerable to changes in technology and competitive pressures.

Tax Reliefs: Investors should be aware that there is no guarantee that the tax reliefs referred to on this website can be maintained throughout the life of the investment. Tax reliefs can change in line with new government policies and legislation. The individual circumstances of a given investor will also affect whether tax treatment applies. In addition, Investee companies need to comply with the requirements of the tax legislation in order to maintain EIS, SEIS, BPR or VCT qualifying status. Non-compliance may result in the loss or partial claw-back of these tax reliefs and potential interest penalties.

Diversification: if funds and services listed on this website do not raise the targeted amount of capital, it may be difficult for the manager to achieve the spread of investments and diversity anticipated, thereby increasing risk.

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