RNS Number:0966O
US Growth & Income Fund Ld
29 July 2003



Principal objective

The Company's principal investment objective was to provide a high level of
income payable quarterly from investment in split capital investment trusts and
other closed-end funds, as well as the potential for capital appreciation from
investment in US growth companies. The Board considers that this objective is no
longer appropriate. As described in the Chairman's Statement and in note 1 to
the financial statements, the Board considers that whilst the Company has
sufficient liquid assets to meet its liabilities for the foreseeable future, the
ongoing expenses of the Company exceed its forecast revenue. Accordingly, the
Directors have concluded that it is in the best interest of the Company and its
shareholders to propose that the Company be placed in voluntary liquidation.


Financial highlights

                                                             As at 30 April 2003            As at 30 April 2002
                                                       pence            #'000           pence          #'000
                                                   per share                         per share

Capital

Total assets                                                         501                             51,519

Total liabilities                                                    (464)                           (41,574)

Net assets                                                           37                              9,945

IAS 39 adjustments                                                   111                             3,485

Adjustments to prepare financial statements on a                     20                              -
break up basis

Net assets excluding IAS 39 and break up basis                       168                             13,430
adjustments

Net asset value per ordinary share
excluding IAS 39 and break up basis adjustments    0.28p                             22.39p
after IAS 39 adjustments                           0.10p                             16.58p
after break up basis adjustments*                  0.06p                             16.58p

Mid market price per ordinary share                0.76p                             10.00p


Revenue


Net (loss) for the period                                            (6)                             (8,797)

Basic and diluted (loss) per ordinary share        (0.01)p                           (14.66)p

Distributable return per ordinary share            0.14p                             2.21p

Total dividends per ordinary share                 0.00p                             1.50p


*The above net asset value per ordinary share is reconciled to the published net
asset value reported to the London Stock Exchange on 8 May 2003 in note 10 to
the financial statements.


Chairman's statement

Based on mid market prices, the total assets of the company at 30 April 2003
were #0.597 million. This compares with #2.040 million at 30 October 2002. On
bid prices, the total assets have fallen from #1.579 million to #0.486 million,
whilst on a break up basis, total assets were #0.501 million.  The amount owed
to Bank of Scotland was #0.418 million at 30 April 2003 with #1.082 million
having been repaid during the period.

Following the disposal of the US equity portfolio last July, the Company's
assets consisted of the Income Portfolio being a number of split capital
investment trusts. During recent months sentiment within the split capital
investment trust sector has remained poor. Generally, the market for these types
of investment has remained very illiquid, although some of the more distressed
stocks have seen stake building by arbitrageurs.

Dividends from trusts have in many cases been severely reduced or suspended
altogether as income generating assets have had to be sold to pay down bank
debt, and the allocation of expenses has been shifted from capital towards
revenue.

Despite the general illiquidity, the Investment Manager has taken the
opportunity to sell a number of the holdings. Cash raised has been applied to
pay down bank debt, which left the outstanding bank loan at #0.418 million at 30
April 2003.  Following further disposals, including the take over of the
dominant holding, on 9 June 2003 it was announced that the Company had repaid
all outstanding bank debt.

Whilst the Company has sufficient liquid assets to meet its liabilities for the
foreseeable future, the ongoing expenses of the Company exceed its forecast
revenue. This will result in a gradual erosion of the remaining asset value.
Accordingly, the Directors have concluded that it is in the best interests of
the Company and its Shareholders to propose that the Company be placed into
voluntary liquidation. The Directors had requested that the Investment Manager
sell the remainder of the realisable securities in the portfolio and this was
completed on 18 July 2003.

The estimated net asset value of the Company as at 18 July 2003 was
approximately  #45,000 and the estimated Net Asset Value per Ordinary Share at
this date was 0.075p. If the proposals are passed, it is hoped that, after the
costs of liquidation have been met, there will be sufficient assets available
for the liquidator to make a small payment to shareholders, but this is unlikely
to exceed 0.06p per Ordinary Share.

Consequently, the financial statements for the half-year ended 30 April 2003
have not been prepared on a "going concern" basis. The Company's investments
have been valued at their net realisable values and provision has been made for
the estimated costs of winding up the Company, including net operating costs up
to the date of the Extraordinary General Meeting to approve the resolution to
place the Company into voluntary liquidation.

A notice convening an Extraordinary General Meeting at which shareholders will
be asked to approve the Company's voluntary liquidation, will be issued with the
Interim Report for the half year ended 30 April 2003 which will be sent to
shareholders shortly.

Francis John Roper
Chairman

29 July 2003.


Statement of operations of the Company
for the period 1 November 2002 to 30 April 2003



                                                            1 November 2002        1 November 2001
                                                                   to                    to
                                                             30 April 2003          30 April 2002
                                                   Notes         #'000                  #'000

Income                                               2
Dividends                                                       85                   1,257
Bank interest                                                   1                    72

Total income                                                    86                   1,329

Expenses                                             2

Management fee                                                  (8)                  (289)
Interest payable                                                (37)                 (1,429)
Custodian and safekeeping fees                                  (5)                  (10)
Administration fees                                             (30)                 (33)
Liquidator's fee                                                (10)                 (7)
Directors' fees                                                 (5)                  (16)
Miscellaneous expenses                                          (30)                 (49)

Total expenses                                                  (125)                (1,833)



Net loss before investment result                               (39)                 (504)

Net realised and unrealised losses on foreign                   (2)                  (212)
exchange
Net realised (losses)/gains on investments                      (9,147)              1,492
Movement in unrealised appreciation/                            9,182                (9,573)
(depreciation) on investments

Net profit/(loss) for the period                                (6)                  (8,797)

Basic and diluted (loss) per ordinary share          4          (0.01)p              (14.66)p


The accompanying notes are an integral part of the financial statements.



Balance sheet
as at 30 April 2003


                                                             30 April 2003       30 April 2002
                                             Notes               #'000               #'000
Assets

Non-current assets
Available-for-sale investments                                   473                  35,642

Current assets
Cash and cash equivalents                                        14                   13,895
Debtors                                                          14                   1,982

Total assets                                                     501                  51,519


Liabilities
Current liabilities
Creditors                                                        (46)                 (116)
Bank loan                                             5          (418)                -

Non-current liabilities
Bank loan                                             5          -                    (40,000)
Interest rate swap liability                                     -                    (1,458)

Total liabilities                                                (464)                (41,574)

Net assets                                                       37                   9,945

Represented by:
Share capital                                         6          15,000               15,000
Share premium                                         7          42,750               42,750
Reserves                                              7          (57,713)             (47,805)

Issued capital and reserves                                      37                   9,945

Equivalent to a net asset value per  share                       0.06p                16.58p
outstanding of:
                                                      8

Shares outstanding at 30 April:                                  60,000,000           60,000,000


The accompanying notes are an integral part of the financial statements.


Statement of changes in equity
for the period 1 November 2002 to 30 April 2003


                                                           1 November 2002        1 November 2001
                                                                  to                      to
                                                             30 April 2003          30 April 2002
                                                Notes         #'000                  #'000

Net (loss) for the period                                   (6)                   (8,797)
Dividends paid                                       3      -                     (2,175)

                                                            (6)                   (10,972)
Movement in hedge reserve
Movement in unrealised loss on cash flow hedge              -                     2,738

Equity at the beginning of the period                       43                    24,790
Investments revalued from mid to bid at 1 November          -                     (2,415)
2001
Fair value of interest rate swap at 1 November 2001         -                     (4,196)

Equity at the end of the period                             37                    9,945


The accompanying notes are an integral part of the financial statements.


Cash flow statement
for the period 1 November 2002 to 30 April 2003


                                                            1 November 2002         1 November 2001
                                                                  to                      to
                                                            30 April 2003           30 April 2002
                                                   Notes       #'000                   #'000

Operating activities

Dividends received                                          83                      1,681
Interest received                                           1                       72
Operating expense payments                                  (77)                    (413)
Interest paid                                               (37)                    (1,430)

Net cash outflow from operating activities            9     (30)                    (90)

Investing activities
Purchase of investments                                     (788)                   (42,852)
Sale of investments                                         1,878                   51,185

Net cash inflow from investing activities                   1,090                   8,333

Financing
Dividends paid                                              -                       (2,175)
Repayment of bank loan                                      (1,082)                 -

Net cash outflow from financing activities                  (1,082)                 (2,175)

(Decrease)/increase in cash and cash equivalents            (22)                    6,068


The accompanying notes are an integral part of the financial statements.


Notes to the financial statements

1.    Going Concern

Whilst the Company has sufficient liquid assets to meet its liabilities for the
foreseeable future, the ongoing expenses of the Company exceed its forecast
revenue. As this will result in a gradual erosion of the remaining asset value
the Directors have concluded that it is in the best interests of the Company and
its shareholders to propose that the Company be placed into voluntary
liquidation.

The Company's entire investment portfolio was sold by 18 July 2003 and the
remaining bank loan was repaid on 6 June 2003.

The financial statements have been prepared on a break up basis. Accordingly the
Company's investments have been valued at their net realisable value and
provision has been made for the remaining estimated net operating costs and the
estimated costs of winding up the Company.

2.    Accounting Policies

a) Basis of preparation

The financial statements of the Company have been prepared in conformity with
International Accounting Standards (IAS) and applicable requirements of Guernsey
law. The financial statements have been prepared on an historical cost basis
except for the measurement at fair value of derivatives and available-for-sale
investments.

b) Income

Dividends receivable on quoted equity shares are taken into account on the
ex-dividend date. Other investment income and interest receivable are included
in the financial statements on an accruals basis. Dividends received from UK
registered companies are accounted for net of imputed tax credits. No
withholding tax is payable on Channel Island registered companies.

c) Expenses

All expenses are accounted for on an accruals basis. The Company's investment
management and administration fees, finance costs (including interest on the
Bank Facility) and all other expenses are charged through the statement of
operations.

Provision has been made for the remaining estimated net operating costs and the
estimated costs of winding up the Company.

d)  Taxation

The Company has obtained exempt company status in Guernsey under the terms of
the Income Tax (Exempt Bodies) (Guernsey) Ordinance 1989 so that the Company is
exempt from taxation on income arising outside Guernsey and bank interest
receivable in Guernsey. The Company is therefore only liable to a fixed fee of
#600 per annum.

e)  Formation expenses

The formation expenses, which represent the costs associated with the issuance
of the ordinary shares, amounted to #2,250,000. These expenses were written off
in full in the period ending 31 October 2001 against share premium.

Notes to the financial statements (continued)

f)   Foreign currency translation

Transactions denominated in foreign currencies are translated into
Sterling at the rate of exchange ruling on the date of the transaction. Foreign
currency assets and liabilities are translated into Sterling at the rate ruling
on the balance sheet date. Gains and losses arising on revaluation of foreign
currency assets and liabilities are recorded in the statement of operations.

g)  Cash and cash equivalents

Cash on hand and in banks and short term deposits which are held to maturity are
carried at cost. Cash and cash equivalents are defined as cash on hand, demand
deposits and short term highly liquid investments readily convertible to known
amounts of cash and subject to insignificant risk of changes in value.

For the purpose of the cash flow statement, cash and cash equivalents consist of
cash on hand and deposits in banks.

h)  Trade date accounting

All 'regular way' purchases and sales of financial assets are recognised on the
'trade date', ie, the day that the entity commits to purchase or sell the asset.
Regular way purchases or sales are purchases or sales of financial assets that
require delivery of the asset within the time frame generally established by
regulation or convention in the market place.

i)   Investments

All investments are classified as 'available-for-sale'. Investments are
initially recognised at cost, being the fair value of the consideration given,
including transaction costs associated with the investment.

After initial recognition, investments are measured at fair value, with
unrealised gains and losses on investments and impairment of investments
recognised in the statement of operations. Realised gains and losses on
investments sold are calculated as the difference between sales proceeds and
cost, or if previously re-valued, the valuation as at the last balance sheet
date.

For investments actively traded in organised financial markets, fair value is
generally determined by reference to Stock Exchange quoted market bid prices at
close of business on the year end date without adjustment for transaction costs
necessary to realise the asset. For investments held at 30 April 2003 fair value
has been determined by reference to the net realisable value obtained on the
disposal of those investments after the balance sheet date.

j)   Loans and borrowings

All loans and borrowings are initially recognised at cost, being the fair value
of the consideration received, less issue costs where applicable. After initial
recognition, all interest bearing loans and borrowings are subsequently measured
at amortised cost. Amortised cost is calculated by taking into account any
discount or premium on settlement.

k)  Derivative financial instruments

The Company used a derivative financial instrument, an interest rate swap, to
hedge its risks associated primarily with interest rate fluctuations. The
interest rate swap was classified as a cash flow hedge because it hedged
exposure to variability in cash flows attributable to the bank loan. The loss on
this hedging instrument was recognised directly in equity through the statement
of changes in equity, however, as this hedged transaction is no longer expected
to occur, the cumulative loss recognised in equity has been transferred to the
statement of operations. It is the Company's policy not to trade in derivative
financial instruments.

Fair value of derivatives

The fair value of the interest rate swap contract used was the present value of
the future interest cash flows.

l)   Segmental reporting

The Directors are of the opinion that the Company is engaged in a single segment
of business, being investment business.


Notes to the financial statements (continued)

3. Reserves and distributions

Under the terms of the Company's Articles of Association distributions can be
made up to the total of accumulated gross income received.  The distributable
return for the period ending 30 April 2003 was #86,466 (0.14 pence per share).
No distributions have been paid or declared. The retained amount of #86,466 has
been included in reserves.


4. Basic and diluted (loss) per ordinary share
                                                              1 November 2002        1 November 2001
                                                                    to                     to
                                                               30 April 2003          30 April 2002
                                                                   pence                  pence

(Loss) per ordinary share                                  (0.01)                        (14.66)


The basic and diluted loss per ordinary share is based on a net loss of #6,171
(2002: a net loss of #8,797,986) and on 60,000,000 (2002: 60,000,000) ordinary
shares, being the weighted average number of ordinary shares in issue during the
period.


5. Bank loan
                                                                                             #'000

Floating rate loan 2008:
Balance at 1 November 2001                                                            40,000
Repayment of bank loan on 7 June 2002                                                 (20,000)
Repayment of bank loan on 18 July 2002                                                (18,349)
Repayment of bank loan on 25 October 2002                                             (151)
Repayment of bank loan on 17 April 2003                                               (1,000)
Repayment of bank loan on 28 April 2003                                               (82)


Balance at 30 April 2003                                                              418


On 6 June 2003, the Company repaid the bank loan in full.


6. Share capital
                                                              30 April 2003        30 April 2002
                                                                  #'000                #'000
Authorised
100,000,000 ordinary shares of 25p each                    25,000               25,000

Allotted, issued and fully paid
60,000,000 ordinary shares of 25p each                     15,000               15,000


Notes to the financial statements (continued)

7. Share premium and reserves
                                                                       Share
                                                                      Premium           Reserves
                                                                       #'000              #'000

Balance as at 1 November 2002                                   42,750              (57,707)
Net (loss) for the period                                       -                   (6)

Balance as at 30 April 2003                                     42,750              (57,713)



8. Net asset value per share
                                                                30 April 2003        30 April 2002
                                                                    Pence                Pence

Net asset value per
ordinary share                                                  0.06                 16.58


The net asset value per ordinary share is based on the net assets attributable
to equity shareholders of #36,442 (2002:#9,945,011) and on 60,000,000 
(2002:60,000,000) ordinary shares in issue at the balance sheet date.


9. Reconciliation of net cash outflow from operating activities


                                                              1 November 2002        1 November 2001
                                                                     to                    to
                                                               30 April 2003          30 April 2002
                                                                   #'000                  #'000

Net loss before investment result                           (39)                 (504)

(Increase)/decrease in interest and dividends receivable    (3)                  424

Decrease in other debtors                                   2                    1

Increase/(decrease) in other creditors and accruals         10                   (11)


Net cash outflow from operating activities                  (30)                 (90)


Notes to the financial statements (continued)


10. Reconciliation of net asset value to published net asset value

                                                                                       Per share
                                                         #'000                           pence

Published net asset value                                168                      0.28
Valuation of investments at bid prices (a)               (111)                    (0.18)
Adjustment to value investments at net realisable        1                        0.00
value
Provision for remaining net estimated running            (21)                     (0.04)
costs and costs of winding up the Company


Net asset value per financial statements                 37                       0.06


a)       In accordance with International Accounting Standards (IAS39),
investments have been valued at Stock Exchange quoted bid prices at the close of
business on the balance sheet date. However, in accordance with general business
practice, the net asset value reported each month reflects these investments
valued at Stock Exchange quoted mid prices.


Company portfolio
As at 30 April 2003
                                                                 Holding       Net
                                                                           realisable
                                                                              value
                                                                                #
Income portfolio


Property Income & Growth Ordinary Shares*                      2,860,000   471,900
Exeter Smaller Companies Income Fund                           1,800,200   180
Edinburgh Leveraged Income Trust Ordinary Shares               1,600,000   160
Edinburgh Leveraged Income Trust Conv Income Shares            325,000     33
Exeter Selective Assets Inv Trust Dividend Growth Shares       4,000       40
Quarterly High Income Trust                                    1,825,000   182
St Davids Investment Trust Ordinary Shares                     1,600,000   160
Technology & Income Trust Conv Income Shares                   8,209       1
Technology & Income Trust New Ordinary Shares                  8,209       1
Aberdeen High Income Trust

 (In Administrative receivership)                              1,000,000   -           ** Suspended 18/07/02
Aberdeen Preferred Income Stepped

 (In Administrative receivership)                              750,000     -           ** Suspended 24/09/02
Aberdeen Preferred Income Trust

 (In Administrative receivership)                              1,000,000   -           ** Suspended 24/09/02
BC Income & Growth Fund*

 (In Insolvent liquidation)                                    2,000,000   -           ** Suspended 05/07/02
Britannic Global Income Trust                                  1,200,000   -           ** Suspended 25/07/02
Exeter Enhanced Income Fund

 (In Insolvent liquidation)                                    1,500,000   -           ** Suspended 06/08/02
Exeter Enhanced Redeemable Pref Shares

 (In Insolvent liquidation)                                    750,000     -           ** Suspended 06/08/02
Geared Income Investment Trust Income Shares

 (In Administrative receivership)                              4,425,000   -           ** Suspended 15/07/02
Geared Income Investment Trust Ordinary Shares

 (In Administrative receivership)                              4,050,000   -           ** Suspended 15/07/02
LeggMason Income & Growth Trust                                2,000,000   -           ** Suspended 08/10/02
LeggMason Investors Strategic Assets Trust Ordinary Shares (In
Insolvent liquidation)
                                                               2,500,000   -           ** Suspended 19/09/02
Leveraged Income Fund

(In Insolvent liquidation)                                     2,500,000   -           ** Suspended 17/07/02
Yeoman Investment Trust Units*                                 500,000     -           ** Suspended 29/07/02

Total Investments                                                          472,657



*These investments are advised by or managed by BC Asset Management Limited.

**These shares were suspended from the Official List of the UK Listing Authority
and ceased to trade on the London Stock Exchange on the dates mentioned.

Directors:
Francis John Roper (Chairman)
David Edward Peter Mashiter
George Thomas Yoxall

Manager and Investment Adviser:
BC Asset Management Limited
BC House, Ling Road
Poole, Dorset BH12 4NZ

Administrator, Registrar, Secretary and Registered Office:
Close Fund Services Limited
Trafalgar Court, Admiral Park
St Peter Port, Guernsey GY1 2JA
Channel Islands

Principal Banker:
The Governor and Company of the Bank of Scotland
The Mound
Edinburgh EH1 1YZ

Broker:
Hoare Govett Limited
250 Bishopsgate,
London EC2M 4AA

Auditors:
Ernst & Young LLP
14 New Street, St Peter Port
Guernsey GY1 4AF
Channel Islands

Custody Agent:
Close Bank Guernsey Limited
Trafalgar Court, Admiral Park
St Peter Port, Guernsey GY1 3EZ
Channel Islands

Legal Advisers in Guernsey:
Ozannes
1 Le Marchant Street, St Peter Port
Guernsey GY1 4HP
Channel Islands

Legal Advisers in England:
Stephenson Harwood
One, St Paul's Churchyard
London EC4M 8SH

Website address:
www.bcam.co.uk

US Growth & Income Fund Limited
Registered in Guernsey No. 37368



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