Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. SUQYA Capital is not an FCA regulated firm and we do not carry out investment activity on behalf of clients. We only provide introductions to asset managers and provide information of the investments available with them.  

Key Risks

1. You could lose all the money you invest

• Advertised rates of return aren’t guaranteed. You could earn less than expected or nothing at all. 

• The value of your investment can go up or down. 

2. You won’t get your money back quickly

• You are unlikely to be able to sell your investment early. In the rare circumstances where it is possible to sell your investment, you may not find a buyer at the price you are willing to sell.

• You may have to pay exit fees or additional charges to take any money out of your investment early.

3. Don't put all your eggs in one basket

• Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. 

• A good rule of thumb is not to invest more than 10% of your money in high-risk investments. 

4. You are unlikely to be protected if something goes wrong

• Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance.

• Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. 

Risk Factors

Loss of Capital

The value of your investment can go up as well as down. This means there is the risk that you may not get back what you put into the investment, so you should carefully consider whether such investments are suitable in light of your own personal circumstances or speak to an independent financial advisor. You should not invest more money than you can afford to lose without altering your standard of living.

Illiquidity

Almost all investments are highly illiquid and there is no active secondary market to sell on. This means that there could be difficulty in selling your investment at a reasonable price or for any price at all. Even for a successful investment, an exit is unlikely to occur for a number of years from the time you make your investment.

Variable or lack of Dividends

With the exception of Real Estate all other investment type rarely pay dividends. This means that if you invest, even if it is successful, you are unlikely to see any return of capital or profit until you are able to sell your shares. Even for a successful business, this is unlikely to occur for a number of years from the time you make your investment. For Real Estate, if the asset does not produces income or the income produced is insufficient it can impact and vary the amount of divided paid out to you.   

Dilution

Any investment you make in a  start-up business is likely to be subject to dilution. This means that if the business raises additional capital at a later date, it will issue new shares to new investors, and the percentage of the business that you own will decline. These new shares may also have certain preferential rights to dividends, sale proceeds and other matters, and the exercise of these rights may work to your disadvantage. Your investment may also be subject to dilution as a result of the grant of options (or similar rights to acquire shares) to employees of, service providers to or certain other contacts of, the business.

Diversification

If you choose to invest, such investments should only be made as part of a well-diversified portfolio. This means that you should invest your investable capital in a variety of investment classes, and the majority of your investable capital should be invested in safer, more liquid assets. It also means that you should spread your investment between multiple assets within the asset class, rather than investing a larger amount in just a few.

Currency Risk

If you choose to invest or have exposure to foreign-currency investments, there is a potential risk of loss from fluctuating foreign exchange rates.