Investing involves risk. Please read this disclosure carefully before making any investment decision.
Last updated: 1 January 2025Capital at risk. The value of investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable indicator of future results. You should not invest money you cannot afford to lose.
All investments carry risk. The price of investments and the income from them can fall as well as rise, and you may not get back the amount you originally invested. Investment returns are not guaranteed, and forecasts or projections are not reliable indicators of future performance.
Market prices can be affected by economic conditions, interest rates, inflation, political events, and investor sentiment. Equity markets in particular can be volatile, and significant losses can occur over short periods.
Where you invest in assets denominated in a currency other than sterling, changes in exchange rates may increase or decrease the value of your investment and the income from it.
Some investments, including private markets, real estate and certain funds, may be difficult to sell quickly. You may not be able to access your money when you want to, or you may have to sell at a lower price.
Cryptoassets are highly volatile and largely unregulated in the UK. You should be prepared to lose all the money you invest. Cryptoassets are not covered by the Financial Services Compensation Scheme (FSCS) and you will not have access to the Financial Ombudsman Service for cryptoasset-related complaints.
Holding a large proportion of your portfolio in a single asset, sector or region increases the potential impact of adverse movements in that area. Diversification can help reduce, but not eliminate, risk.
The real value of your investment may be eroded by inflation over time. A positive nominal return does not necessarily mean a positive real return.
Borrowing carries risk. If you fail to keep up repayments on a secured loan, your property or asset may be repossessed. Interest rates on variable-rate products may change, increasing your repayments.
Changes in law, regulation or tax treatment may affect the value of your investments or the tax you pay. Tax rules depend on individual circumstances and may change in the future.
Unless we have entered into a separate written advisory agreement, we do not provide personalised investment advice. You are responsible for your own investment decisions and should seek independent financial advice if you are unsure.
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