To help you understand the risks involved when investing in securities (securities in these documents means equities (shares) or debt instruments (bonds) on CWF Ltd website (“CWF Ltd platform”), please read the following risk summary. Please be invest aware and diversify your investments. If you are in any doubt about making an investment you should obtain advice from a suitably qualified and regulated financial advisor.

The Need for Diversification When You Invest

Diversification involves spreading your investable funds across multiple investments and investment classes to reduce risk. However, it will not lessen all types of risk. Diversification is an essential part of investing. Investors should only invest a proportion of their available investment funds via CWF Ltd platform and should balance this with safer, more liquid investments.

Risks When Investing in Securities

Investing in securities on CWF Ltd platform may not involve a regular return on your investment unlike bank deposits which offer interest which is paid regularly. Please bear in mind the following particular risks for investments listed on CWF Ltd platform:

Loss of Investment

The majority of start-up businesses fail or do not develop as planned and therefore investing in these businesses involves significant risk.  It is possible you may lose all, or part, of the funds you have invested.  You should therefore only invest an amount you can afford to lose and should seek to build a diversified portfolio to spread risk and increase the chance of an overall return on your investment capital.  If a business you invest in fails, neither the company – nor CWF Ltd platform – will pay you back your investment.

Lack of Liquidity

Liquidity is the ease with which you can sell your securities after you have purchased them. Shares in businesses listed on CWF Ltd platform cannot be sold easily and they are unlikely to be listed on another secondary trading market, such as AIM or the London Stock Exchange. You may not therefore be able to sell your securities until the company, lists on a recognised exchange or becomes sufficiently successful enough to increase liquidity.

Rarity of Dividends

Dividends are payments made by a business to its shareholders from the company’s profits. Most of the companies listed on CWF Ltd platform website are start-ups or early stage companies, and these companies will rarely pay dividends to their investors. Profits are typically re-invested into the business to fuel growth and build shareholder value. This means that you are unlikely to see a return on your investment until you are able to sell your shares or until the company is successful and starts paying dividends. Businesses have no obligation to pay shareholder dividends.

Interest Payments on Bonds

Many of the bonds listed on CWF Ltd platform website are issued by start-ups or early stage companies and these companies may struggle to pay interest to their investors if their business plan is interrupted or its implementation delayed.


Any investment in shares through Concordia Wealth Fund may be subject to dilution in the future. Dilution occurs when a company issues more shares, to raise more money, thus reducing the percentage of the company you previously owned. Dilution affects every existing shareholder who does not buy any of the new shares being issued and can have an effect on a number of things, including voting, dividends and value.


CWF Ltd platform does not provide you with any advice or, by listing a company on the platform, make any recommendations in respect of any company listed on the platform. You have, by becoming a member of the platform, acknowledged you have sufficient experience to make your own investment decisions or you will only invest up to 10% of your total investment funds in high-risk investments. If you are in any doubt about making an investment on CWF Ltd platform you should seek independent financial advice from a person regulated to do so.