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

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

Read our full Risk Warning

Same offers, same impact, new risk warnings

You may have noticed the risk warnings on our emails and website have changed. The Financial Conduct Authority is keen to ensure that customers are fully aware of the risks that come with investments, now requiring that all investments in unlisted shares and bonds carry the same risk warning. Learn more about these new warnings.  

News

 - 16 February 2023

You may have noticed that the risk warnings on our emails and across our website have changed. We wanted to explain why we and other crowdfunding platforms have made these changes.

The Financial Conduct Authority (FCA) is keen to ensure that customers are fully aware of the risks that come with making certain types of investments, such as those available through crowdfunding platforms. One way the FCA has addressed this is to require that all investments in unlisted shares and bonds should carry the same risk warning.

You will now see the following risk warning on our emails and across the platform: “Don’t invest unless you’re prepared to lose all the money you invest. Tis is a high-risk investment and you are unlikely to be protected if something goes wrong.” This risk warning also provides a link to a standardised risk summary describing the risks of that type of investment: “Take 2 mins to learn more”.

This standardised risk warning and the risk summary now appears on all of our new crowdfunding offers, including our emails. This does not mean these offers are more or less risky than previous offers, but are there to ensure that investors have ample opportunity to understand the risks before they invest. The risk summary which you’ll be shown when selecting the “Take 2 mins to learn more” link will be tailored to the relevant investment. The risk warnings you’ll see will vary depending on whether it’s relating to a bond offer, a share offer, or crowdfunding investments in general.

The FCA has also introduced required changes that mainly affect first time investors, such as a 24-hour cooling off period and a personalised risk warning. All investors on our platform already benefit from a 14-day cooling off period in which they can change their minds.

Triodos Bank is committed to ensuring that our customers understand the risks of the investment offers and we support these new rules. We also know from experience that every investment is unique and want to ensure prospective investors are as well-informed as possible. So we will continue to provide additional, relevant risk information about each individual investment.

We are proud to offer investment opportunities that make a positive impact on people and the planet. Triodos Bank does not provide financial advice to savers and investors so you should always do your own background research before deciding whether to invest or not. If you’re not sure whether an investment is right for you, you may want to consider financial advice.

If you have any questions about these changes, please do not hesitate to contact us.

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Investments offered on this platform are not readily realisable, which means that they may be difficult to sell and you may not get back the full amount invested. Investments are not covered by the Financial Services Compensation Scheme (FSCS) and your capital is at risk and returns are not guaranteed. Repayment of capital and interest or payment of dividends will be dependent on the success of the organisation's business model and past performance isn’t a reliable indicator of future performance. You should always read the offer document in full before deciding whether or not to invest as it will cover risks specific to an individual investment. You can read more about the general risks associated with making these types of investments. If you are unsure if any of these investments are right for you, you should contact an Independent Financial Adviser.

Triodos Bank UK Ltd. Registered Office: Deanery Road, Bristol, BS1 5AS. Registered in England and Wales No. 11379025. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 817008.