Question 1

What are secured loan notes?

Accepted Answer

Secured loan notes are structured, fixed-term investments where capital is lent to support the progression of real asset projects. In return, investors receive a defined yield over the agreed term, supported by legal security.

Question 2

Who are secured loan note opportunities suitable for?

Accepted Answer

They are available exclusively to High Net-Worth Individuals, Sophisticated Investors, and Professional Clients. These are not retail investments. Eligibility is confirmed privately following self-certification.

Question 3

How is investor capital protected in secured loan notes?

Accepted Answer

Security is generally provided through a legal charge, held by an independent trustee, giving investors priority in the event of asset recovery. This structure ensures that funds are ring-fenced and managed with oversight.

Question 4

Are returns fixed?

Accepted Answer

Returns are contractually defined within the loan note terms, typically offering predictable yields over the duration of the investment. While structured for stability, capital is always at risk and outcomes are dependent on the underlying asset performance.

Question 5

What does the investment process involve?

Accepted Answer

Once eligibility is confirmed, investors receive a due diligence overview and the loan note agreement for review. Onboarding is supported by trustee documentation, with investments commencing from the date cleared funds are received.

Question 6

How are secured loan notes different from traditional property investment?

Accepted Answer

Loan notes allow for leaner deployment of capital than direct property ownership. Instead of managing tenants or developments, investors participate in a fixed-income structure with clear timelines, defined returns, and oversight in place.

Question 7

What risks should investors be aware of with secured loan notes?

Accepted Answer

As with any investment, capital is at risk. Key considerations include project timelines, planning outcomes, or wider market conditions. These factors are carefully reviewed during the due diligence process before opportunities are made available.

Question 8

How can I review full secured loan note details?

Accepted Answer

Following confirmation of investor status, private access to the investment overview is provided and a confidential consultation can be arranged to discuss the opportunity in detail.

Question 9

What are Actively Managed Certificates (AMCs)?

Accepted Answer

AMCs are listed investment certificates that track a defined strategy, managed by professional portfolio managers. They can be designed to target fixed income, capital growth, or a blend of both, depending on the mandate.

Question 10

How do AMCs generate returns?

Accepted Answer

Returns are achieved by following a clear investment strategy, with managers actively allocating capital in line with the defined mandate. This can include structured income models, sector-specific exposures, or diversified portfolio approaches.

Question 11

Who manages AMCs?

Accepted Answer

AMCs are overseen by experienced institutional managers, with performance monitored against the stated objectives. Investors benefit from professional oversight without needing to manage the underlying portfolio themselves.

Question 12

What makes AMCs different from traditional funds?

Accepted Answer

Unlike traditional pooled funds, AMCs are fully transparent, exchange-listed certificates with flexible design. They allow investors to access institutional strategies with clearer structures, defined mandates, and direct tradability.

Question 13

Are AMCs regulated?

Accepted Answer

While AMCs are listed instruments, they are not retail products. Each certificate is issued under defined structures and typically involves regulatory oversight at the issuer and custodian level. Access is provided only after confirming investor eligibility.

Question 14

What risks should investors be aware of with AMCs?

Accepted Answer

Key risks include strategy underperformance, market conditions, and currency exposures. While AMCs are designed with transparency and professional oversight, all investments carry risk and capital is not assured.

Question 15

Who are AMCs suitable for?

Accepted Answer

AMCs are suitable for High Net-Worth Individuals, Sophisticated Investors, and Professional Clients seeking defined strategies with institutional oversight. They are not available to retail investors.

Question 16

How can I access further AMC details?

Accepted Answer

Once investor status is confirmed, private access to the AMC overview can be shared and a confidential consultation can be arranged to review the strategy in more detail.

Question 17

What is Specialist Supported Housing (SSH)?

Accepted Answer

Specialist Supported Housing refers to residential properties adapted for individuals requiring additional support. These properties are leased to Community Benefit Societies or housing associations and are designed to deliver long-term, CPI-linked income alongside measurable social impact.

Question 18

How is income generated from SSH?

Accepted Answer

Income is secured through long-term lease agreements with the housing provider. The Housing Association or Community Benefit Society receives rental funds via the Department for Work and Pensions portal, which are then transferred directly to the investor. This structure removes void periods and supports consistency of income.

Question 19

Who manages SSH properties?

Accepted Answer

All operational responsibilities such as tenant support, compliance, and maintenance are overseen by the housing provider. Investors retain ownership of the property but are not required to take on day-to-day management.

Question 20

Why is SSH considered a resilient investment?

Accepted Answer

Demand is shaped by demographic trends and public sector priorities. Unlike market-sensitive assets, SSH is underpinned by essential services and statutory duties, providing stability even in changing economic conditions.

Question 21

What is a Community Benefit Society (CBS)?

Accepted Answer

A Community Benefit Society is a regulated structure registered with the Financial Conduct Authority. Any profit generated must be reinvested into the community, and it operates with a focus on long-term housing provision. This model supports alignment between financial sustainability and social purpose.

Question 22

What is an FRI lease?

Accepted Answer

An FRI, or Full Repairing and Insuring lease, means the housing provider is responsible for costs relating to repairs, insurance, and maintenance. Investors therefore receive a net return without deductions for service charges, ground rents, or building upkeep.

Question 23

Why are there no void periods in SSH?

Accepted Answer

From the point of completion, rent is paid to the investor. The demand for this type of accommodation is consistently strong, allowing housing providers to enter long-term agreements with confidence.

Question 24

What risks should investors be aware of with SSH?

Accepted Answer

As with any investment, risks exist. These may include provider performance, policy changes, or broader housing authority dynamics. Due diligence is carried out on both the lease structure and the covenant strength of each provider before any opportunity is introduced.

Question 25

What happens if an SSH provider ceases trading?

Accepted Answer

If a provider ceases operations, local authority stakeholders such as Adult Social Care or Housing Commissioners have a statutory duty to ensure continuity of accommodation. In such circumstances, leases are reassigned to an alternative provider to maintain services for residents and income flow for investors.

Question 26

Is there a minimum investment for SSH?

Accepted Answer

Investment thresholds vary by opportunity and are discussed privately with eligible investors. Further detail is available following self-certification.

Question 27

Can SSH properties be viewed prior to investment?

Accepted Answer

Subject to availability and provider approval, viewings can be arranged for qualified investors. These are balanced with the privacy and dignity of residents and operational teams.

Question 28

What are Digital Asset Strategies?

Accepted Answer

They are proprietary trading models in cryptocurrency markets, using both spot and derivatives positions. Two core approaches are typically applied: one prioritises capital preservation in spot markets, while another captures volatility in derivatives markets with high-frequency execution.

Question 29

How are returns generated from Digital Asset Strategies?

Accepted Answer

Returns are achieved through discretionary long and short trading, risk-managed leverage, and adaptive hedging frameworks. The strategies exploit market inefficiencies, momentum shifts, and structural dislocations, aiming to generate consistent absolute returns across cycles.

Question 30

What performance history supports Digital Asset Strategies?

Accepted Answer

The strategies have demonstrated historically strong compounding outcomes across different market cycles, showing resilience during both high-volatility and more stable periods. Full performance records, verified through on-chain and exchange-linked data, can be requested in a private overview once investor eligibility has been confirmed.

Question 31

How is risk managed in Digital Asset Strategies?

Accepted Answer

Strict risk controls are applied, including predefined stop-loss levels, hedging with perpetual futures, and dynamic position sizing. Maximum drawdowns have historically remained limited, reflecting a capital preservation-first mandate.

Question 32

Are Digital Asset Strategies regulated?

Accepted Answer

The strategies themselves are not FCA-regulated financial products. However, compliance protocols such as KYC and AML are applied, and performance is verified through on-chain data and exchange-linked records. Investors should always seek independent financial advice.

Question 33

What are the expected returns from Digital Asset Strategies?

Accepted Answer

Outcomes are structured according to tiered investment levels, with higher commitments providing access to enhanced structures. Specific performance targets are not published publicly, but certified investors may request access to a private overview once eligibility has been confirmed.

Question 34

How liquid are Digital Asset Strategies?

Accepted Answer

Withdrawals are structured with notice periods of 30 to 90 days depending on tier. This supports tactical capital deployment while maintaining flexibility.

Question 35

Who are Digital Asset Strategies suitable for?

Accepted Answer

Access is strictly limited to High Net-Worth Individuals, Sophisticated Investors, and Professional Clients. These are not retail investments, and all capital is at risk.

Question 36

What risks should investors consider with Digital Asset Strategies?

Accepted Answer

Risks include market volatility, liquidity shifts, derivatives exposure, and policy or regulatory developments. Capital loss is possible, and past performance is not a guarantee of future outcomes.

Question 37

What is meant by a regulated FX platform?

Accepted Answer

A regulated FX platform operates under the supervision of a recognised financial authority, such as the FCA, ASIC, or equivalent international regulators. These platforms are required to meet defined standards relating to capital adequacy, client protection, reporting, and operational conduct.

Question 38

How is investor capital protected on regulated FX platforms?

Accepted Answer

Regulated brokers are required to hold client funds in segregated accounts, typically with Tier-1 banking institutions. This separation ensures client capital is not commingled with the broker's operational funds and is protected from creditor claims should the firm encounter financial difficulty. In certain jurisdictions, investors may also fall under statutory compensation schemes if a broker becomes insolvent.

Question 39

What safeguards exist against excessive losses on regulated FX platforms?

Accepted Answer

Many regulatory frameworks require platforms to implement negative balance protection, ensuring that losses cannot exceed the capital held within an account. In addition, leverage limits are imposed by regulators to reduce exposure to extreme market volatility and prevent disproportionate risk.

Question 40

How is fair execution ensured on regulated FX platforms?

Accepted Answer

Regulated FX platforms are subject to best execution requirements. This obligates firms to seek the most favourable pricing and execution conditions available at the time of a trade. Brokers must also disclose how orders are routed and how potential conflicts of interest are managed.

Question 41

What level of transparency can investors expect from regulated FX platforms?

Accepted Answer

Investors receive standardised reporting covering trade execution, fees, and costs. These reporting obligations are defined by regulatory frameworks such as MiFID II and are designed to ensure clarity and accountability in how transactions are processed.

Question 42

How are disputes handled on regulated FX platforms?

Accepted Answer

If a dispute arises, regulated platforms provide access to independent dispute resolution bodies, such as a Financial Ombudsman Service or equivalent authority. These services offer an external mechanism for resolving issues without additional cost to the investor.

Question 43

What compliance and security standards apply to regulated FX platforms?

Accepted Answer

Regulated platforms are required to adhere to strict Know Your Customer and Anti-Money Laundering protocols. While onboarding may take longer, these checks protect against fraud and misuse. Firms must also maintain robust cybersecurity measures, including encryption and multi-factor authentication, to safeguard personal and financial data.

Question 44

Does Thomas Kelly Holdings manage or control FX accounts?

Accepted Answer

Thomas Kelly Holdings does not manage FX accounts or provide trading advice. Its role is limited to introducing suitable regulated platforms where appropriate. Any engagement with a platform is conducted directly between the investor and the provider.

Question 45

Where can I find further information on regulated FX platform access?

Accepted Answer

Further information on platform access and referral pathways is available within the Investment Opportunities section.

Question 46

What is meant by an off-market luxury investment?

Accepted Answer

An off-market luxury investment refers to an asset that is not publicly advertised or listed on open marketplaces. These opportunities are introduced privately through established broker networks, advisers, or direct relationships, rather than through public listing platforms.

Question 47

Why do sellers choose to transact off-market?

Accepted Answer

Sellers often prioritise privacy, certainty, and discretion over broad exposure. Off-market transactions allow owners to control who has visibility of the asset, limit speculative interest, and avoid the disruption that public marketing can create, particularly for high-value or lifestyle-sensitive assets.

Question 48

How does off-market access benefit investors?

Accepted Answer

By operating outside public marketplaces, investors avoid competitive bidding environments and the price inflation often driven by public demand. This can create space for more measured negotiation, flexible structuring, and earlier engagement with assets before they are widely known.

Question 49

What types of assets are typically accessed off-market?

Accepted Answer

Off-market luxury opportunities may include high-end residential property, boutique hotels, commercial portfolios, super yachts, and rare or collectible assets such as prestige vehicles. These assets are often introduced privately to maintain value, confidentiality, and operational stability.

Question 50

How is discretion maintained throughout off-market transactions?

Accepted Answer

Transactions are handled within a closed network of trusted counterparties. Information is shared selectively, documentation is exchanged through secure channels, and public visibility of ownership or transaction details is minimised wherever possible.

Question 51

Does off-market mean higher risk?

Accepted Answer

Off-market does not imply lower standards. Each opportunity is assessed on its own merits, including asset quality, legal structure, and counterparties involved. Privacy relates to how the opportunity is introduced, not to the level of scrutiny applied.

Question 52

How does Thomas Kelly Holdings participate in off-market luxury transactions?

Accepted Answer

Thomas Kelly Holdings acts as an introducer, facilitating access to suitable off-market opportunities through established relationships. It does not act as a broker or agent for the underlying assets, nor does it manage the assets on behalf of investors.

Question 53

Are off-market luxury opportunities suitable for all investors?

Accepted Answer

Off-market luxury assets are typically appropriate for experienced investors who understand the nature of illiquid, high-value acquisitions and who place importance on discretion and long-term positioning rather than short-term liquidity.

Question 54

Where can I find further detail on current off-market luxury opportunities?

Accepted Answer

Further detail on current off-market luxury opportunities is available within the Investment Opportunities section.

Question 55

What does your due diligence process involve?

Accepted Answer

Each opportunity undergoes a detailed internal review prior to introduction. This includes assessment of the underlying asset, management track record, governance standards, and relevant comparable mandates. The objective is to establish structural integrity, alignment of interests, and disciplined execution rather than reliance on headline metrics alone.

Question 56

Are these investments regulated?

Accepted Answer

Many private market opportunities, including specialist supported housing and pre-IPO mandates, fall outside the scope of standard retail regulation. For this reason, access is limited to HNW and Sophisticated Investors. Full due diligence documentation is provided to support internal compliance review and suitability assessment within the adviser's firm.

Question 57

How are income-focused opportunities structured?

Accepted Answer

Income-focused mandates are typically supported by asset-backed notes or long-term contractual income structures. In housing-related mandates, income may be underpinned by established funding mechanisms involving local authorities or government-linked payments. The emphasis is placed on predictability and structural resilience rather than short-term yield optimisation.

Question 58

What is the typical exit strategy for pre-IPO opportunities?

Accepted Answer

Focus is placed on later-stage private companies, often within sectors such as life sciences and advanced healthcare. These businesses usually have defined pathways toward liquidity events such as trade sales or public listings, although timelines and outcomes vary and are detailed within individual materials.

Question 59

How does Thomas Kelly Holdings work alongside IFAs?

Accepted Answer

Thomas Kelly Holdings acts as a research and structuring partner. IFAs retain the primary client relationship, while Thomas Kelly Holdings provides supporting documentation, term sheets, and technical briefings relevant to each mandate. This model allows advisers to integrate private opportunities within their existing client framework.

Question 60

What are the typical minimum investment thresholds?

Accepted Answer

Minimum allocations vary by asset class and opportunity. Thresholds are discussed privately on a case-by-case basis and are determined by the structure and requirements of each mandate.

Question 61

How is client privacy managed in international jurisdictions?

Accepted Answer

Discretion is a core operating principle. Secure communication channels are used for document sharing, and jurisdiction-specific privacy frameworks are observed when working with international investors, family offices, or cross-border structures.

Question 62

Where can IFAs find further detail on current mandates?

Accepted Answer

Further detail on current mandates, supporting materials, and opportunity structures is available within the Investment Opportunities section.

Question 63

Who is eligible to access these opportunities?

Accepted Answer

Thomas Kelly Holdings investment opportunities are specialised, high-value, and often illiquid. They are intended for High-Net-Worth individuals and Certified Sophisticated Investors with the experience required to engage in private market assets.

Question 64

What makes off-market investments different from traditional stocks?

Accepted Answer

Off-market or private market investments are not traded on public exchanges. As a result, they are less exposed to short-term market sentiment and daily volatility. These opportunities are typically accessed through specialist networks and private mandates rather than open markets.

Insights

Estate Planning and The Perils of Not Planning

Loan Notes as a Hedge against Inflation

Section 24 The Landlords Dilemma

Money is not real

Access to selected opportunities, approached with discretion

If you would like to discuss eligibility, certification, or a specific opportunity in confidence, our team is available for a private consultation.