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Risk Disclosure Policy

Investments with Gains & Wells Capital FZCO involve risks. This policy highlights potential risks across our investment models in line with UAE regulations, helping investors make informed decisions.

Risk Policy

Last updated: 1 January 2024

At Gains & Wells Capital FZCO, transparency is at the core of our operations. Investments offered through our platform are private, high-risk, and subject to UAE laws and regulations. This document outlines the main risk factors associated with different models of investment.

1. General Risks

  • All investments carry the risk of partial or total capital loss.
  • Past performance is not a guarantee of future results.
  • Private investments may be illiquid, with limited secondary market options.
  • Returns are not guaranteed, and investors should only invest funds they can afford to lose.

2. Equity-Based Investments

Equity investments in startups or private businesses involve:

  • High risk of failure — early-stage companies may not generate profits.
  • Dilution of ownership if new shares are issued in future funding rounds.
  • No fixed return — profits depend on business performance or exit events.

3. Co-Ownership Investments (e.g., Real Estate)

Investing in property shares under co-ownership models may involve:

  • Fluctuations in real estate market values within the UAE.
  • Potential delays in rental income distribution.
  • Exit risks — liquidity depends on finding a buyer for your share.
  • Regulatory risks such as changes in property ownership laws or registration fees.

4. Pre-Leasing Investment Models

Pre-leasing opportunities (investing before properties or assets are leased) carry:

  • Uncertainty of tenant acquisition — potential vacancy risk.
  • Delay in expected rental income if leasing takes longer than projected.
  • Exposure to changes in UAE leasing regulations and market demand shifts.

5. Car Rental & Mobility Investments

Investments in car rentals or mobility ventures involve:

  • Depreciation risk — vehicles lose value over time.
  • Operational risks — accidents, maintenance costs, and downtime may impact returns.
  • Demand risks — seasonal tourism patterns in the UAE may affect occupancy rates.
  • Regulatory risks — compliance with UAE transport and insurance laws is mandatory.

6. Legal & Regulatory Risks

All investors must comply with UAE laws, including:

  • KYC/AML Requirements: Investors must provide valid identification and source-of-funds documentation.
  • Regulatory Oversight: Investments may be subject to UAE Central Bank and Securities & Commodities Authority (SCA) regulations.
  • Changes in UAE law may affect investment returns, taxation, or exit strategies.

7. Investor Responsibilities

By investing with Gains & Wells Capital FZCO, you acknowledge that:

  • You have read and understood this Risk Policy.
  • You accept the possibility of losing your investment in part or in full.
  • You are responsible for conducting your own due diligence or seeking independent legal/financial advice before investing.

8. Contact Us

If you require further clarification regarding risks, please contact us:

  • Email: info@gainsnwells.com
  • Address: Gains & Wells Capital FZCO, Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, UAE

Disclaimer: This Risk Policy is for informational purposes only and does not constitute financial advice. Investors should consult with independent advisors before making investment decisions in the UAE.

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