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Greater access to private markets

These investments are high risk and only available to high net worth and professional investors. You could lose all the money you invest.

Prosper makes private markets more accessible for high net worth and professional investors.

We’re bringing our high net worth investors a curated choice of researched funds that can diversify your portfolio and reduce your tax bill.

This service is not advice. If you are unsure about investing, please speak to an independent financial adviser before proceeding

To find out more about our private markets solution, you need to self-certify as a high net worth or professional investor.

How Prosper adds value

We spend time researching and sourcing private market investment opportunities in the UK as part of our commitment to help you maximise or diversify your potential wealth. We focus on identifying funds with strong fundamentals, attractive return potential, and sound risk management. However, private markets are dynamic and it is essential that investors review each investment's details and ensure it aligns with their individual financial objectives and risk tolerance.

Prosper charges a 1% upfront fee to access private market investments. This fee is only invoiced once your investment is confirmed by the fund manager. Fund manager’s fees apply.

This service is not advice. If you are uncertain about the tax implications of our products, you should contact HM Revenue & Customs (HMRC) or seek independent tax advice.

Private Markets Philosphy
 

Important risks and commitments

You need to be aware you could lose all or some of the money you invest.

The investments referenced above are generally considered to be higher-risk and long-term commitments. You should not invest money you cannot afford to lose.

Prosper Savings Limited offers a non-advisory service to Sophisticated and High Net Worth Investors. We do not give personal investment advice or recommendations.

The investments we offer are not suitable for all investors. If you have any doubts as to the suitability of a particular product, or the product class in general, or require advice of any kind, you should seek professional advice.

Please carefully read and make sure you understand the risks and other information contained within the Investment Documentation (Prospectus, offer document or information memorandum, plus the Key Information Document where available) for the product you have chosen, together with Prosper’s Terms of Business and Private Markets Fee Agreement. Note, new risks may arise in the future which could not have been anticipated in advance.

Past performance is not a guide to future performance.

Diversification is important. Spreading your money across multiple investments, rather than concentrating your investment in a small number of products or companies, means you should spread risk and increase the chance of an overall return on your investments.

The value of investments and the income from them can fluctuate and may fall and may be affected by economic factors such as changes in interest rates or inflation. Dividends are variable and not guaranteed.

Tax rules change. The tax treatment (and where applicable, tax reliefs) will depend on your individual circumstances.

You should carefully consider charges. Initial charges, other up front and ongoing costs and performance fees will reduce the value of your investment.

Self-certify now
 

Funds available through Prosper

EIS Funds

 

Up to 30% income tax relief – up to £300,000 tax saving on a (max) £1,000,000 investment in this or the previous tax year (or up to a £600,000 saving on a £2 million investment if at least £1 million is in knowledge-intensive companies)

 

Tax-free growth – any capital gains realised on these investments is free from tax if held for more than 3 years

 

Capital gains deferral – defer capital gains from other investments, potentially indefinitely

 

Loss relief – offset any EIS investment loss against your income tax or CGT bill

 

Inheritance tax relief – pass on your investment free of IHT (after 2 years, 100% relief on the first £1m after 6 April 2026, 50% relief thereafter)

SEIS funds

 

Up to 50% income tax relief – up to £100,000 tax saving on a (max) £200,000 investment in this or the previous tax year

 

Tax-free growth – any capital gains realised on these investments is free from tax if held for more than 3 years

 

Up to 50% capital gains reinvestment relief – halve the CGT due on gains from elsewhere

 

Loss relief – offset any SEIS investment loss against your income tax or CGT bill

 

Inheritance tax relief – pass on your investment free of IHT (after 2 years, 100% relief on the first £1m after 6 April 2026, 50% relief thereafter)

Source: HMRC

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