Looking after investors is a regulated job.
Your investors deal with you. Consumer Duty, complaints and vulnerable customers deal with us.
1 GETTING INVESTORS IN CORRECTLY
Most of what goes wrong with investors goes wrong at the start. The wrong classification, a missing check, an appropriateness question nobody asked.
We categorise every investor at the point of subscription, run the identity and anti-money laundering checks, and keep the record that shows how each decision was reached.
It is the least visible part of investor care and the part a regulator looks at first.
“Our investors deal with us. When something needs sorting properly, Sapphire sorts it.”
Johnathan Graham, Fuel Ventures
2 When Something Goes Wrong
Your investors come to you day to day, and that is how it should be. Occasionally something arrives that you should not be handling yourself: an investor who is unhappy, one who is threatening to complain, or one whose circumstances have changed in a way you are not equipped for.
Those come to us. We log, investigate and answer complaints under the FCA's rules, tell the investor what they need to know about the Financial Ombudsman Service, and keep the file that shows it was done properly.
You stay informed. You do not have to run it, and you are not making up the process as you go.
3 The standards that apply
Consumer Duty applies to your fund whether or not anyone has planned for it, along with the obligation to identify and support vulnerable customers.
We monitor the outcomes your investors actually get, keep the fund able to show it treated people fairly, and bring you anything that needs your attention. Sapphire is a signatory to the Financial Vulnerability Charter.
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“Sapphire has been the cornerstone of our investment operations." Mark Pearson, Fuel Ventures
property funds
Set up a property fund with Sapphire. Sapphire will collaborate with you in setting up the traditional "LP/GP" structure for a property fund. LPs are the limited partners who invest in the fund, and the GP is the General Partner.
In addition to this, Sapphire is authorised to manage & operate Exempt Property/ Exempt Property Unit Trust ("EPUT") structure.
An indirect property investment means that the investor subscribes to shares in a company that, in turn, invests in properties. Through property funds, investors, therefore, have the opportunity to invest relatively small amounts in large-volume properties by way of professional fund companies.
Every fund we manage comes with this, from a first SEIS fund with twenty investors to funds that have been running for a decade.
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