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Category: Property Crowdfunding

CrowdToLive® CEO Interview with Islamic Finance News

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Risk Warning

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

Investing in property and property crowdfunding is a high-risk investment and should be considered to be a long-term investment strategy. The risks could include a loss of all capital, illiquidity and a lack of income. The investments should only be made as part of a diversified portfolio. The value of a property may fluctuate. Forecasts, estimates, and past performance data are not reliable indicators of future results. Investments made on the CrowdToLive® website site are not covered by the Financial Services Compensation Scheme (FSCS). Investing in the opportunities shown on this platform should only be made by investors who fully understand and appreciate the risks involved (please read the full risk warning here). Elite Capital and Management Services Limited takes no responsibility for any recommendations, estimates or opinions and will not in any circumstances advise individuals on the merits or risks of any investment or whether the potential investment is right for any individual. Any individual looking to make an investment should always seek independent advice before committing.

This page is approved by by Elite Capital and Management Services Limited, which is authorised and regulated by the Financial Conduct Authority (Reference Number: 822039). Elite Capital and Management Services Limited (Companies House number: 10347767) is registered in England and Wales with its registered office at Riverbank House, 5th Floor, Office 510, 1 Putney Bridge Approach, London, United Kingdom, SW6 3JD

Risk Summary

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.

What are the key risks?

You could lose all the money you invest
- Most investments are shares in start-up businesses. Investors in these shares often lose 100% of the money they invested, as most start-up businesses fail.
- Checks on the businesses you are investing in, such as how well they are expected to perform, may not have been carried out by the platform you are investing through. You should do your own research before investing.

You won't get your money back quickly
- Even if the business you invest in is successful, it will likely take several years to get your money back.
- The most likely way to get your money back is if the business is bought by another business or lists its shares on an exchange such as the London Stock Exchange. These events are not common.
- Start-up businesses very rarely pay you back through dividends. You should not expect to get your money back this way.
- You may have the opportunity to sell your shares through our marketplace, but there is no guarantee you will find a buyer at the price you are willing to sell.

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. Learn more here.

The value of your investment can be reduced
- If your investment is shares, the percentage of the business that you own will decrease if the business issues more shares. This could mean that the value of your investment reduces, depending on how much the business grows. Most start-up businesses issue multiple rounds of shares.
- These new shares could have additional rights that your shares don't have, such as the right to receive a fixed dividend, which could further reduce your chances of getting a return on your investment.

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. Try the FSCS investment protection checker here.
- 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. Learn more about FOS protection here.

If you are interested in learning more about how to protect yourself, visit the FCA's website here. For further information about investment-based crowdfunding, visit the FCA's website here.