We live in an era of low interest rates and political and economic uncertainty, which is hardly the ideal environment for ordinary people who simply want to preserve the value of their hard-earned capital without being forced to gamble or put their money at risk. In the face of returns from traditional deposits that fall well short of inflation, yield with a reasonable level of security has become the pursuit of countless private and institutional investors
The alternative finance sector has emerged as one of the few areas where this winning combination is possible to find through a new generation of asset classes – where attractive rates of return can be fixed for a set period of time and, through the Innovative Finance ISA, can even be held tax free.
Commenting on Triple Point’s experience in this sector, James Cranmer, Triple Point’s Managing Partner, said: “For well over a decade this asset class has performed at or above target and has been extremely well received. At the same time, we have continued to add to the size, experience and scope of our businesses to address the much-publicised funding gap that exists within the UK business sector. Today, alongside public-sector leasing, we now also specialise in leases, loans and asset finance to a large and diverse range of UK-based SMEs.”
Triple Point’s Advancr Bonds have proved a particularly popular choice for yield-hunting investors, with the added benefit that precious finance is being channelled to some of Britain’s most innovative, but financially starved businesses – SMEs.
Triple Point has been providing leasing and lending finance since 2004. Over £1bn of client money – including £250m of lease and asset finance – has been invested over the period by their team of experts who manage a diversified portfolio of over 60,000 separate loans, thus protecting investors from over-exposure to individual business risk. Each Advancr Bond invests in the same range of assets which are secured, fixed interest debt instruments.
Although the rates of return can vary between each Bond offering, investors who apply for Triple Point Advancr Bonds will be able to target a fixed rate of return from the outset. They can choose an investment period of 1, 2 or 3 years and to have their interest paid to them monthly or rolled up into one single payment on maturity.
The Bonds (minimum investment of £1,000 up to £1m) are also eligible to be included in an ISA which allows investors to shelter £20k per annum from either Income Tax or Capital Gains Tax. The Bonds are also eligible for inclusion in SIPPs (Self-Invested Personal Pensions).
Although predicting how long the current economic and political uncertainty will last is anyone’s guess, Triple Point believes that the versatility and robustness of Advancr’s Bonds is a really compelling proposition for investors seeking a smart investment with known, positive returns in uncertain time.
Risk Warning
Risk Warning: remember that Advancr Bonds are investments, not savings, and your capital and interest are at risk. Tax treatment depends on individual circumstances and is subject to change.
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