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Argenta Private Capital Limited
Argenta Private Capital Limited (APCL), a Financial Conduct Authority (FCA) regulated advisor to Lloyd’s investors, has launched the 2025 round of the Starter Homes investment vehicle – a joint initiative with Helios Underwriting PLC (Helios), an AIM-listed company. 

Starter Homes offer investors access to Lloyd’s via a rental fee, without the need to own the underlying capacity, which allows investors to put the majority of their capital to work in underwriting and take advantage of the strong conditions. Renting, rather than buying in this current market also lowers the required capital commitment for new investors, the firm said in a statement.

The arrangement with Helios allows Starter Home clients to invest in a portfolio of syndicates, curated by Helios, for a single Lloyd’s Year of Account (YoA), in this case the 2025 YoA. Investors are thus provided access to a set of diversified business classes without exposure to historic back years. Investors can take advantage of any new syndicates launched during 2025 within their Starter Home and flex their portfolio for 2026 onwards.

The diversified nature of the Helios portfolio results in low capital requirements, which begin at 21 per cent in Year One and reach 50 per cent of capacity by Year Three.

Lloyd’s market conditions for the 2025 YoA remain favourable, the firm continued. The Starter Home programme allows potential investors to commit capital up to and until 30 June or later, subject to Helios’ agreement. The investment timetable bypasses the time constraints of the traditional Lloyd’s capacity auction process which conclude in November each year.

“Returns at Lloyd’s continue to outperform global trends and most indices. At Argenta, our role is to provide an ever-broadening cohort of investors access to this unique opportunity,” Robert Flach, managing director of APCL, said.  

“Our Starter Home initiative with Helios was designed to do just that: broaden access to Lloyd’s to new investors. After the remarkable success of the first round, I am therefore pleased to announce the second iteration of the product,” he continued. 

APCL offers private clients and trade investors a variety of ways to invest in the Lloyd’s of London insurance market. It specialises in creating tailor-made, tax-efficient underwriting vehicles for a worldwide client base, advising just under 500 individual and corporate investors and supporting over £5.1 billion ($6.3 billion) gross written premium in the Lloyd’s market.