Downing Growth
Estate Planning Service​

Target return: 5%-7% p.a. (not guaranteed).

Focus on asset-backed trading businesses: your investment is secured against a combination of tangible assets, such as land and buildings, or a predictable income stream. We select resilient sectors that have long term underlying demand drivers (such as healthcare, housing and education).

‍Control your capital: access your investment up to twice a month with no penalty. This is subject to liquidity.

‍Income options: opt to sell shares to receive payment distributions monthly, quarterly, half-yearly or annually.

‍Wealth Guard Cover: included as standard if you're under the age of 90, this policy protects your initial net investment of a loss in value of up to 20% (conditions apply).  

‍Life cover: optional and at an additional cost, covers 40% of your original gross investment (before charges) if you die within the first two years (conditions apply).

‍Minimum investment: £25,000 for advised investors and £100,000 for professional clients. There is no maximum investment.

Investments in estate planning solutions are not suitable for everyone, so we recommend seeking financial advice before investing.

As with all investments, there are a number of risks you should be aware of before you invest. The value of your Downing Growth Estate Planning Service portfolio can go up and down, so your capital is at risk.  

‍Tax reliefs are not guaranteed, subject to change, and only apply if you hold your shares for at least two years at death. There is no guarantee that the companies we invest in will remain BR qualifying – they may lose their status if BR rules change as IHT relief may no longer apply to your investments in that company.  

It is important to note that past performance is not a reliable indicator of future results. Investing in smaller companies generally carries higher risk because their shares are less liquid and therefore harder to sell that those in blue chip companies listed on a main stock exchange.  

In addition to this, although we will seek to provide liquidity every two weeks, there could be a delay in returning cash in the event of significant demand for withdrawals or distributions.  

There is also no guarantee that the Wealth Guard Cover will continue after two years and the cover will only pay out if conditions are met in full. The Life Cover policy is also subject to conditions. If these conditions are not met in full, the policy will not pay out.

Please read the terms and conditions for a more detailed view of the risks involved with investing in Downing Growth Estate Planning Service.

While we manage the Downing Growth Estate Planning Service in a way that seeks to mitigate risk, it can’t be fully eliminated. Investing comes with risk, and we can’t know for sure what the future will bring, so it’s important to plan for what may happen.  

Wealth Guard is Downing’s unique cover designed to provide extra security. At no extra cost to you, provided you’re under 90 at time of death, our Wealth Guard covers a fall in value of up to 20% of your net initial investment (i.e. the amount invested after charges) when paying out upon your death. The cover is guaranteed for the first two years you are invested, after which it will be reviewed annually by the insurer. You are covered up to £750,000 which means there is a maximum payout of £150,000.  

There is also an optional Life Cover which protects against an IHT bill in the first two years. If you were to pass away before shares qualified for Business Relief, Life Cover could cover the tax bill. The policy covers 40% of the of the original gross investment upon death up to £300,000 (or £600,000 for joint Life Cover). For this to take effect, investors must be under 85 years old at the investment date and additional charges will apply.  

To learn more, refer to the terms and conditions (pages 12-15).
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