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Downing LLP ("Downing") is authorised and regulated by the Financial Conduct Authority (firm reference number 545025). Downing does not give advice or make personal recommendations. All investment products carry risks. Any investment should only be made on the basis of the information and terms set out in the Offer Document, the general website Terms & Conditions, and the IFISA Terms & Conditions, and your attention is drawn to the risk, fees and taxation factors contained therein. Please consider all risks before investing and read the relevant Offer Document for each investment. Bonds are not readily realisable and are not subject to the same protection from the Financial Services Compensation Scheme (FSCS) as deposits. Tax treatment depends on individual circumstances of each investor and may be subject to change in future. Past performance is not a reliable indicator of future performance. Please note that capital is at risk and returns are not guaranteed.