There are two different categories of investments when investing on Abundance - Councils and Companies.
In both cases these are direct investments, where you are lending money to an organisation for a fixed term length and under a set of terms which state when you are due to be repaid and what return the company or council will pay.
It is up to you to pick and choose each investment that you want to make from those available, and you can choose to invest in both categories of investment. Both types of investment are available in whichever portfolio you choose, including when investing through an Abundance IF ISA.
Our council investments are in the form of local authority securities. You are lending money to a council so your capital is at risk, but the risk is much lower than lending money to a company. You can read more about the risks of investing in councils here.
Our company investments are in the form of debentures or bonds. You are lending money to a company so your capital is at risk and you could lose all the money you invest. As each company is different, the risks will vary for each particular you investment you make so you should consider each investment individually. You can read more about the risks of investing in companies here.