Earn 4% - 7% p.a. tax free with the Downing IFISA

Published: Thu, 03/08/18

MoneyMagpie

Don't miss out on attractive interest rates, tax-free with the Downing Crowd IFISA*
From the award-winning** online investment platform
The Downing Crowd IFISA allows you to invest in Bonds without being taxed on any interest you earn - an attractive prospect in the current low interest rate environment.

We believe this can provide a good opportunity for those looking to diversify their portfolios this tax year - and with our Bonds having a weighted average return of 5.9% p.a. (as at 13 February 2018), make sure you don't miss out.

How we work with you
  • You can invest in businesses that make a difference, such as renewable energy projects, care homes and community pubs.
  • We offer you opportunities to invest in businesses with tangible assets. We act as security trustee and have a debenture over these assets - so if the borrower defaults, we can take control of the asset and repay some or all of your capital.
  • To align ourselves with your interests, Downing’s monitoring fee is contingent on you being paid your capital and interest in full.
Capital is at risk and returns are not guaranteed. Bonds are not readily realisable and are not subject to the same protection from the Financial Services Compensation Scheme (FSCS) as deposits.
IFISA - Learn more

Downing Innovative Finance ISA
With the annual ISA allowance now at £20,000, the IFISA allows you to invest in Crowd Bonds while keeping the tax advantages of traditional ISAs.

To use your money to invest via an IFISA, you will need to follow these simple steps:
  1. Sign up as an investor
  2. Open an IFISA 
  3. Make a deposit into your IFISA account
  4. Place a Bond order using your IFISA account
Remember, you can also transfer in any cash you hold in other ISAs from previous years but please note that other ISA providers may charge penalties or fees for transferring money. Please check before you transfer.

* An IFISA is not the same as a Cash ISA and your capital is at risk and is not protected by the FSCS deposit scheme. Terms and conditions apply and tax treatment depends on the circumstances of each investor.
View our Crowd Bonds

Find out more
Sign up as a member of Downing Crowd at www.downingcrowd.co.uk to stay up-to-date on all our latest news and get exclusive access to new Bonds before they go live to the public. Alternatively, you can email us at crowdfunding@downing.co.uk.

**Awards
Important notice: Capital is at risk and returns are not guaranteed. This email has been approved and issued as a financial promotion under the Financial Services and Markets Act 2000 by Downing LLP (“Downing”). This email does not form part of a direct offer or invitation to purchase, subscribe for or dispose of securities, or to enter into any investment service, and no reliance should be placed on it. Any investment should only be made on the basis of the information and terms set out in the Offer Document and Terms and Conditions, and the IFISA Terms and Conditions and your attention is drawn to the risks, fees and taxation factors contained therein. Investments should be done as part of a diversified portfolio. Downing does not offer investment or tax advice or make recommendations regarding investments. Past performance is not a guide to the future and investors are encouraged to take independent financial advice before considering an investment. Downing LLP is authorised and regulated by the Financial Conduct Authority (Firm Registration No. 545025). Registered in England No. OC341575. Registered Office: St Magnus House, 3 Lower Thames Street, London EC3R 6HD.
Downing LLP
St Magnus House, 3 Lower Thames Street, London, EC3R 6HD.
020 7416 7780 / crowdfunding@downing.co.uk / www.downingcrowd.co.uk

 
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