Who can invest in BWCE?

There are two ways you can invest in BWCE

By buying shares in BWCE and becoming a member and/or buying Bonds.

Owning Shares

Membership of BWCE is through shareholding with nearly everyone eligible to become a member. There is a minimum investment in shares needed to become a member. For our current share offer that minimum has been set at £100. As a member you will be able to vote at the AGM, elect directors and have a say in how the organisation is run, as well as receive interest on your shares. Our latest share offer is now open and is offering a target interest rate of 4%, subject to performance, with a plan to increase the rate over time.

As an Industrial & Provident Society we operate on the basis of one member, one vote.

Who can own shares in BWCE

  • Anyone over the age of 16
  • Shares can be held on behalf of a person under 16 and transferred to their ownership on their 16th birthday – complete the appropriate section of the application form in the Share Offer Document.
  • A corporate body, for example a charity, a limited company, another co-operative or plc
  • Certain types of pension fund for example Self Invested Personal Pensions (SIPPs)

Investing in Bonds

Anyone over the age of 18 can invest in a BWCE bond offer. They offer a fixed rate of interest, generally for a fixed term. The last, and we hope subsequent bond offers, will be eligible for inclusion in the new Innovative Finance ISA (IFISA). This means investments made in this ‘wrapper’ will have their interest paid tax free.

As a Bondholder you do not have the same rights as a ‘member’ (see above). In other words you can not stand as director, vote at AGMs etc. We do however involve and welcome Bondholders in the life of BWCE as much as is constitutional possible.

There are currently no bond offers open. If you wish to be informed of the next bond offer contact us.