Is Abundance regulated?

Yes, Abundance is authorised and regulated by the Financial Conduct Authority (525432).

What is an IRR?

IRR stands for Internal Rate of Return. It is the best way of describing the returns from our investments, as they often pay back some of your capital over the life of the investment, and may also be pay out different amounts of income over time. You can find out more about why we use IRR here.

Who can invest on Abundance?

Anyone over the age of 18 and who is a resident of the UK, the EEA (European Economic Area) or Switzerland can invest with us. US citizens cannot invest on Abundance. See the Abundance Terms and Conditions for a full description of eligibility requirements.

What are the fees on Abundance?

You have no fees to pay directly to Abundance if you are based in the UK.

We charge each issuer raising money on Abundance two fees — one for raising the money and one for managing the investment and investors on a yearly basis. All estimated returns on the website are quoted after these fees have been paid by the issuer of the investment.

If you are a non-UK resident, there may be a charge for making a withdrawal from your account. See Investing from outside of the UK for details.

Can I sell my investment?

Our investments are tradeable. If you need to sell your investments we operate a free marketplace to help you find a buyer. You put your investments up for sale, wait for offers and then choose which you would like to accept. Your investments can only be sold if you find a buyer. For more details visit Selling investments.

Is there a chance I could lose my money?

Yes, as with any investment, your money is at risk. You can find out more about the risks of investing with Abundance here, and read the Offer Document to find out the specific risks for each investment.

Can I invest through a SIPP?

Yes you can invest in a SIPP through our dedicated Abundance Pension, or there are other SIPP providers that will accept our investments. Find out more about the Abundance Pension.

Can I put Abundance investments in an ISA?

Yes, you can set up an Abundance ISA, which allows you to hold our investments in an Innovative Finance ISA (IF ISA). Find out more about the Abundance ISA.

Is Abundance covered by the Financial Services Compensation Scheme (FSCS)?

Any cash in your Abundance account that has not been invested is held in a segregated client account at HSBC PLC and covered by the FSCS Deposit Protection Scheme. This means if you have cash in your ISA or other Abundance portfolios that you have not yet invested you benefit from FSCS protection up to £85,000.

Please note, the FSCS Deposit Protection scheme covers you for £85,000 per financial institution, so in this case it covers any uninvested cash held in your Abundance account as well as any other money you hold elsewhere in HSBC or any of its subsidiaries.

Once your money is invested you are covered under the Financial Services Compensation Scheme (FSCS) on investments. This scheme is different to the FSCS Deposit Protection Scheme described above. Under the FSCS investment scheme investors can claim up to £50,000 of compensation in the case where Abundance goes out of business and Abundance is proven to have have been negligent in carrying out our role.

What are Early Bird and Pledge Bonuses?

In the past, Abundance has offered a yearly bonus to investors who invested early, and for those who pledged support before the investment launched. These bonuses may not be available on new investments but the Early Bird Bonus (not the Pledge Bonus) is attached to an individual’s investment. Therefore if you buy an investment on our marketplace with an Early Bird Bonus attached, you will receive this bonus for the life of the investment.

How do I make a complaint?

If you have any problem or wish to make a complaint please first email us at support@abundanceinvestment.com and we will do our best to resolve any issue.

If you do not feel that we have adequately resolved your complaint you may have a right to complain to the Financial Ombudsman. You can view our full complaints procedure here.

As with any investment product there are risks. Part or all of your original invested capital may be at risk and any return on your investment depends on the success of the project invested in. You should be prepared to hold Abundance investments for their full term (and many will have terms of more than 15 years). Abundance investments may not be readily realisable (and their value can rise or fall). They may be secured or unsecured, and where they are secured this does not ensure repayment. Estimated rates of return can be variable and estimates are no guarantee of actual return. Specific risks will apply in relation to each product. Consider all risks before investing and read the Offer Document for each investment.