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Wednesday, September 30, 2020

Stock Splits: How They Are, How They Affect Your Portfolio

Stock Splits: How They Are, How They Affect Your Portfolio

The following article at Strategic Expat titled “Stock Splits: How They Are, How They Affect Your Portfolio” is a light-hearted view of why Companies Split their Stocks. Here are a couple of extracts I hope you enjoy.

‘Notably, between 1990 and 2015, stocks averaged a hefty 21% return during the 12 months following a split, compared to a 9% gain for the S&P 500’

‘History shows that Apple typically outperformed the S&P 500 by nearly 8% in the six months following its stock splits in 1987, 2005 and 2014, according to Evercore ISI Research’

 

Non-Market correlated assets are a key part of clients portfolio. We have fixed income investments, 1-3 year exit's, different asset classes, with varying coupons. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. Also access to Off Market UK distressed and discounted property projects. Recently we expanded our portfolio to include Corporate Loan facilities from $1M plus.
To find out more email info@fngassociates.com or see https://fngassociates.com



Friday, September 25, 2020

Off-market UK Property Investments




FNG works with property developers and their partners to offer Off Market Property deals. Typically, these can range from £1m to £30m, distress assets, discounted projects with planning or planning assured direct with owners, looking for an exit especially this year due to Covid19. These deals normally turnaround within a couple of weeks, ideal for family offices, UHNW investors and institutional investors with liquidity looking for good ROI within 12-24 months. Please direct your enquiry to info@fngassociates.com

Below is a sample of recently completed projects

----------------------------

41 number detached properties in Greater London

Purchase price of the development is £24,000,000 which values each unit at £585,365

Current value of 4/5 bed detached properties ranges from £1m - £1.5m, we estimate the units to be sold circa £1.25m giving a GDV of (top end) £51.25m (bottom end) £41m.

Planning has been granted to extend all the units via loft conversion and or extensions/conservatories etc with a estimated cost of circa £4m.

70% debt funding is in place for the acquisition and we can also fund the extensions to all the units.

Proposal

Of the 30% equity required (£7.2m) we are looking to raise (£5.2m)

The investor shall have preference shares meaning there capital is paid first, and we propose a 30% profit share.

  • Scenario
  • Buy £24m
  • Build £4m
  • GDV £41 - £51.25m
  • Gross Profit - £13m - 23m
  • Gross Profit to investor - £3.9 - £6.9m.
  • ROI - 75% - 132%.

We propose that from the first 10 units that are sold the revenue to repay the investors initial capital of £5.2m to be repaid within the first 12 months.


Non correlated assets are a key part of a clients portfolio. We have 12/24/36 month investments, with varying coupons, Physical Gold with an effective 26% discount, off market UK property deals. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. To find out more email info@fngassociates.com or see https://fngassociates.com



Thursday, September 24, 2020

World's biggest Banks allow Criminals to launder money...

World's biggest Banks allow Criminals to launder money, COVID-19 second wave, US elections "October surprise" comes early with the death US Supreme Court Justice Ruth Bader Ginsburg in Battleground states, Brexit, the list goes on, what's next for us this year... Yesterday's Sky News 'Leaked Bank Documents' article an interesting read.
 
 
Non correlated assets are a key part of a clients portfolio. We have 12/24/36 month investments, with varying coupons, Physical Gold with an effective 26% discount, off market UK property deals. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. To find out more email info@fngassociates.com or see https://fngassociates.com



Wednesday, September 23, 2020

"Capital not at Risk” Patent Monetization Note 8.25%p.a.

Introducing an exciting new Patent Monetization Note 8.25% p.a. "Capital not at Risk"

An Australian Public Company, is the parent and controlling entity of patents and other associated IP that enables variable or dynamic pricing (also known as Surge Pricing), based on supply and demand trends without constant human intervention.    
 
Have you ever used a website to purchase airline tickets or accommodation and found price fluctuations from one visit to the next?  Have you ever taken a ride with Uber and been charged different amounts for the same journey?   This is the result of Surge Pricing.
 
Also commonly known as “Dynamic Pricing”, “Demand-Based Pricing”, “Time Based Pricing” among many other terms, the technology is being used by global corporations across a wide variety of industries including, but not limited to, Tourism, Transportation and Retail.
 
The Key Points with this investment:
  • Term: 24 months to maturity
  • Fixed Return: 8.25% p.a. Plus 1000 shares in parent company.
  • Currency: USD/GBP/SGD/AUD
  • 2-Year Royalty Proceeds Coupon:  Investors receive a % of monetization proceeds for 2 Years, targeting +20% p.a. returns
  • Security: Senior Secured meaning investors are first in line to be repaid Principal & Interest obligations. 
  • Entry: From US 100,000 or currency equivalent
Investor Capital is not at Risk as the SPV has entered into an agreement with a third-party to underwrite the principal invested in the Pinnacle Units under this Information Memorandum.
 
 
 
For full details, Information Memorandum, copies of patents, all Due Diligence documents and a current assertion update please email info@fngassociates.com to request an NDA and we will get back to you.
 


Non correlated assets are a key part of a clients portfolio. We have 12/24/36 month investments, with varying coupons, Physical Gold with an effective 26% discount, off market UK property deals. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. To find out more email info@fngassociates.com or see https://fngassociates.com



Friday, September 18, 2020

FCA bridge the gap between mainstream lending and Equity Release

FCA bridge the gap between mainstream lending and Equity Release

Introducing Horizon Plus Retirement Interest Only (RIO) Mortgage Fund 6% annual dividend

Horizon + Plus fund is a sub-fund of the Mansard Capital Management’s SICAV umbrella in Malta regulated under the MFSA.
  • Fund in partnership with LiveMore Capital a UK FCA Fully authorised and regulated Mortgage Lender.
  • Highly experienced team with 125+ years’ experience in credit lending inc. ex-CEO of Wells Fargo Bank Europe
  • Institutionally backed by leading Banks, providing up to £180mn credit line.
  • Extensive network of real estate agents, both mortgage and financial advisers, offering professional advice on Retirement Interest Only (RIO) Mortgages.
  • Working with S&P, Moody, Fitch and DBRS to rate the “prime mortgages” and sell in tranches to institutional investors.

 

What are RIO mortgages?

  • Retirement Interest Only (RIO) Mortgages were introduced by the FCA in March 2018. The UK regulator designed RIO’s to bridge the gap between mainstream lending and Equity Release.
  • The FCA deem RIO mortgages a simpler and more ethical solution than equity release and ideal for steady income retirees.  

The key FCA definitions for RIO mortgage are:

  • Customers must be over 55
  • No mortgage term required i.e. can run until death 2nd borrower
  • No capital repayment plan required
  • Interest payments must be affordable now and in retirement

 Horizon Plus Fund:

  • Fixed Income of 6% per annum paid bi-annually.
  • Additional Growth Upside with total target returns of 12-14% p.a.
  • Low Minimum investment of 100,000 EUR.Maturing interest only mortgages & trillions locked in property equity.
  • Highly regulated & experienced asset manager working with a credible and proven specialist lending team.
  • Strong Corporate Governance with limits on Loans to Value (LTV’s) & Affordability Tests.

 

For further details and full due-diligence please email info@fngassociates.com

Non correlated assets are a key part of a clients portfolio. We have 12/24/36 month investments, with varying coupons, Physical Gold with an effective 26% discount, off market UK property deals. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. To find out more email info@fngassociates.com or see https://fngassociates.com



Tuesday, September 15, 2020

For The Financial Professionals

 For The Financial Professionals


 

So IFAs, Family Offices, Wealth Managers, et al, how do you come across new offerings for your clients and prospects?
Do you just wait on offerings from your established suppliers (intermediaries etc) or do you trawl the net searching for innovations or perhaps come across something of interest in a news article?
In these difficult times, especially with COVID-19, traditional investments aren't performing very well at all and thus your clientele may well be seeking alternatives.
Well here's an intermediary with some alternative offerings actually listing what they can provide!
Their website is here
A list of their offerings are here with these being broken down loosely by asset class:-

In addition, a listing of their services:-

The What's Hot and News Articles sections might also be of interest too.

So, are FNG Associates worth looking at? Well the website does cover a lot doesn't it?

Saturday, September 12, 2020

Cybersecurity - are we at risk, are we exposed due to COVID-19?

Cybersecurity - are we at risk, are we exposed due to COVID-19?


An insightful article on Global Security Review written by Leo S.F. Lin a month ago.

"The Business Email Compromise (BEC) is on the rise, especially during the pandemic, and there is much work to be done. The growth of digital dependency in the workforce worldwide has increased the vulnerability to companies and their employees"

 Non correlated assets are a key part of a clients portfolio. We have 12/24/36 month investments, with varying coupons, Physical Gold with an effective 26% discount, off market UK property deals. All asset-backed with validated collateral, low stock market correlation, managed by experienced asset managers and excellent returns. To find out more email info@fngassociates.com or see https://fngassociates.com