Triodos Bank offer a non-advised execution only investment service and it is important that investors understand the risks associated with investing in the Triodos Microfinance fund prior to investing.  An overview of the key risks of investing in the fund can be found below, and a comprehensive list of risks can be found in the Prospectus.

• The Triodos Microfinance fund is active in developing countries that are generally considered to be higher risk than their developed counterparts that have more established and diversified economies
• The Triodos Microfinance is active specifically in the microfinance and inclusive finance sectors, and whilst investments are spread across different organisations and regions, the success of the fund is dependent of the success of this sector
• Whilst the Triodos Microfinance fund hedges against currency fluctuations to the extent practical and appropriate, fluctuations in the value of developing country’s currencies both negatively and positively impact the value of your investment
• The Triodos Microfinance fund provides loans and equity to primarily unlisted microfinance institutions and banks, and there is no guarantee that there will be sufficient liquidity to meet redemption requests and you may have to wait to receive your sales proceeds

If you are unsure if the Triodos Microfinance Fund is the right investment for you, please seek independent financial advice. If you don’t have an independent financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk

Triodos Investment Management is a wholly-owned subsidiary of Triodos Bank, and have been active in the sustainable investment sector for over 25 years. Triodos Investment Management manage investments ranging from sustainable energy infrastructure to microfinance institutions, and individuals in the UK can invest in the Triodos Global Equities Impact Fund, Triodos Pioneer Impact Fund and Triodos Sterling Bond Impact fund.

Before you can apply for the Microfinance fund you will need to complete an Appropriateness Assessment. This will help us understand your knowledge and experience of this type of investment.

An Appropriateness Assessment can be downloaded below.

If we deem that the Triodos Microfinance fund is an appropriate investment for you, we will provide you with an application pack. Please note, that assessing the appropriateness of the Triodos Microfinance fund for you is not the same as providing financial advice. If you are unsure in any way whether the Triodos Microfinance fund is a suitable investment for you, you should seek independent financial advice. If you don't have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk.

Based on your responses to the questions in this assessment, if we deem that the Triodos Microfinance fund is not an appropriate investment for you, we will let you know and you will not be able to continue with your application. You may wish to look at an alternative product in the Triodos range in order to invest or save ethically.

Microfinance is the provision of financial services to low-income clients or those who traditionally lack access to banking and related services, specifically refering to institutions that specialise in making very small loans to very poor people in developing countries.

The target of the Microfinance Fund is to invest 25-40% of its assets in equity (mostly local currency), up to 20% in subordinated and/or convertible debt (mostly local currency), 30-40% in local currency senior debt instruments and 10-20% in senior debt instruments denominated in U.S. Dollars and Euros. At least 10% of its assets will be invested in liquid assets.