Investments made in the Saxon Trust Capital products (IHT and investment portfolios) are investments in shares issued by certain of our internal lending companies. As with all investments, your capital is at risk if you chose to invest. You should read the full risk warning below before investing and speak with a qualified independent financial advisor if you have any questions.

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Loss of Capital

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When investing in our portfolios, you are investing in shares in a lending company which is dependent on the performance of its lending business to return capital to shareholders. If the lending business fails to perform as expected, underlying loans default or there are other issues with cause the business to fail or reduce in value, your capital may be at risk.

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No guarantee of returns

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All returns are specified as target returns and are based on the performance of the underlying company in which you invest. For the preservation portfolio (“ST Preservation Trading Ltd”) and balanced portfolio (“ST Balanced Trading Ltd”), any returns are paid as dividends but the companies must make a profit and have sufficient distributable reserves to make such payments. If the companies do not make a profit or there are not sufficient distributable reserves then dividends may not be able to be paid in part or in full.

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In relation to the growth portfolio (“ST Growth Trading Ltd”), returns are paid by way of an increase in share value on redemption based on the performance of the company. If the company does not perform as anticipated, these returns may not be able to be paid in full or in part.

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Illiquidity and Redemptions

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Investing in shares should be treated as illiquid and there is no active secondary market in which you could trade your shares. The shares are not currently listed on any stock exchange.

As per the terms and conditions of the investments, you are required to hold your shares for a minimum of 2-years after which you can request a redemption and the company will facilitate this as soon as possible either through cash held or through the repayment of its borrower loans. There can be no guarantee how long this process will take and there is no fixed period promised but it will be as soon as possible. If borrower loans take longer to repay or if a large number of shareholders request redemptions at the same time, it may result in longer periods to process redemptions.

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Tax

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Tax rules can change and there can be no guarantee that the tax rules that apply today will apply when any claim is made in the future for any reliefs (including inheritance tax reliefs). Saxon Trust Capital does not provide tax advice and you should seek the advice of an independent financial or tax advisor if you have any questions.

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Financial Services Compensation Scheme

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Investments in Saxon Trust Capital portfolios are not covered by the Financial Services Compensation Scheme.

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Advice

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Saxon Trust Capital does not provide any advice or make any recommendations and you should seek the advice of an independent financial or tax advisor if you have any questions.

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Past Performance

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Past performance is not an indication of future performance and should not be relied on.

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Client classification

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Saxon Trust Capital only accepts investments from high-net worth and sophisticated investors who can self-certify in accordance with the relevant regulations, and professional and institutional investors.