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There is no doubt that we are currently undergoing a period of great instability, both geopolitically and economically. Many of the old truisms no longer hold true. What were once safe bets no longer feel safe. And while the cycle of boom-and-bust is a well-worn economic concept, extreme market volatility now seems to have become the new normal. [1]

In the UK, recovery from the 2008 financial crisis has been slow and patchy, and the government’s handling of the country’s departure from the European Union has created a number of further economic shocks. Several large businesses and employers have already announced plans to move their operations out of the UK, including Airbus, BMW and HSBC. If the UK faces a ‘no deal’ situation come next March – an outcome that is looking more and more likely – the short-term effects on our economy are uncertain to say the least.

With all these economic woes inevitably come very low interest rates. With the Bank of England giving no indication of any significant base rate increases in the near future. As a consequence we are seeing more investors looking elsewhere for better rates of return on their money, and more businesses looking elsewhere for financing because the big banks no longer consider it sufficiently lucrative to lend. This explains the huge growth in the global peer-to-peer lending market, which will be valued at almost $1 trillion by 2025.[2]

The question is consequently, in this economic climate where can one invest with a rewarding rate of return? There are number of potential options, but one answer to this question is ‘off-market’. Off-market investments are simply those that cannot be bought or sold on stock exchanges. These types of investments may enable you to receive significant rates of return, but they are of course not without risks – returns are not guaranteed, your capital is at risk and they are often illiquid, meaning you need to be prepared to hold them for the full investment term.

We also need to consider investments in areas where demand is consistently increasing, regardless of economic outlook, such as renewable energy and the green sector. The global demand for energy is insatiable, and renewable energy is the fastest growing energy source globally, projected to account for a quarter of global power generation by 2040[3].

Overall, the green market has extremely strong long-term growth potential – as Warren Buffet said, “Only buy something that you’d be perfectly happy to hold if the market shut down for 10 years.”. However, past performance is not an indication of future performance.

Risk warning

Please note this an opinion and does not constitute financial advice. Please be aware that with investment your capital is at risk and returns are not guaranteed. These investments are not covered by the FSCS and security measures are not a guarantee of repayment. This investment is not readily realisable, and you should be prepared to hold it for the full investment term.  The past performance is not a guarantee of future performance. You can read more about the general risks of investment on our website and should refer to the offering document for risks specific to this investment. Please click here to view our full disclaimer.

[1] CNBC, 2018

[2] Transparency Market Research, 2016

[3] BP, 2018

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