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Glossary

Capital Gain

The difference between the purchase price of an investment and the sale proceeds when the investment is disposed of. The capital gain does not account for any income received (such as dividends).

Capital Gains Tax ('CGT')

A tax levied by HMRC against capital gains realised by individuals and corporations. An investor may own shares that appreciate every year but CGT is not payable on the shares until they are sold.

Client Money Account

This is the bank account that British Pearl holds on behalf of its customers with Barclays Plc and is ringfenced from British Pearl itself. All customer funds are held here and are separate from the British Pearl business funds. More precisely the account holds:

  • investors funds (with not less than the £100 minimum funding amount) where customer money sits pending investment, and
  • where dividends (for Share Investors) and interest (for Loan Investors) are paid during the life of an investment, plus
  • repayment of capital and gains (for Share Investors only), if any, upon investment exit.
Corporation Tax

A tax levied by HMRC against the profits earned by a business during a given tax period. Corporation Tax years vary by company - unlike an individual's Income Tax, which is applied over the same period for every individual (from 6 April one year to 5 April the following year). The tax is applied to a company's operating earnings i.e. after expenses such costs of sales, overheads, interest and depreciation.

Crowdinvesting (or Crowdfunding)

The funding of projects or ventures by raising money from a large number of people, 'the crowd', usually online. Two of the main types are equity (shares) and debt (loans).

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Your capital is at risk Investing in property involves risk. The value of your investment can go down as well as up and historic performance is not a guide for future performance. Any projections of future performance are based on all information known at the time of share investment or loan, and internal calculations and opinions of British Pearl. These are subject to change and are not guarantees and should not be relied upon as such. Risks include the total loss of your share investment or loan, variable rental income due to property not being rented or a depressed rental market, and inability to sell your share investment or loan due to lack of a buyer. Investing with British Pearl falls outside the remit of the Financial Services Compensation Scheme. Please refer to the Key Risks section of this site for a more comprehensive description of the risks involved.

British Pearl ® is the trading name of British Pearl Limited (Company No. 7151774), a company authorised and regulated by the Financial Conduct Authority (Register No. 674693) and British Pearl Finance Limited (Company No. 10575280 and Register No. 770867), which is an appointed representative of British Pearl Limited. Both companies are wholly owned subsidiaries of British Pearl Group Limited (Company No. 9701436) and all are registered in England and Wales at 4th Floor, 7-10 Chandos Street, Cavendish Square, London, W1G 9DQ