Alan Borthwick from DUX Financial Services explores the opportunities and limits placed on CoHousing when seeking capital or lending through traditional channels.
Alan Borthwick from DUX Financial Services explores the opportunities and limits placed on CoHousing when seeking capital or lending through traditional channels.
Last week KPMG hosted a seminar for Property Developers and Property Investors. I spoke on tax structuring and thin capitalisation looking at preferred structuring possibilities for development projects and long-term investments. A link to the PowerPoint presentation follows
Loss leader strategies have been adopted across all sectors, services and products so far.
One of the most typical examples is razor blades, where producers literally give away razor units because once consumers acquire the unit they will need to buy blades.
Console games are usually sold at a loss to lure customer into purchasing higher margin games and subscriptions.
Loss leader used less for financial services or products and even less in the fund management system.
For the first time in August 2018 a Boston based fund power-house employed a loss leader strategy with the launch of two zero fees funds.
Fees charged by fund managers in the context of relationship with investors are not exclusively linked to the active management of the portfolio.
Fees typically cover costs associated to management of these investments and costs related to third parties involved in the investments.
Actively managed funds are more expensive because they allow for continuous deliver of alpha and outperformance of a benchmark index;
Passively managed funds are a much cheaper option because they replicate composition of a benchmark index to define their portfolios.
Not all fund houses – be them managing funds actively or passively – can afford to have an exclusive range of free funds.
Fund management comes at a cost.
According to FCA spokesman, fees charged by fund managers should remain and greater emphasis should be posed on transparency of fees for investors.
Recent regulatory changes impacting financial services regulation have mixed effect on the blossoming of a no fee fund ecosystem in Europe:
Retail Distribution Review (RDR) initiative and ensuing prohibition for fund managers to pay commission to distributors might push distributors to cost efficient solutions for their clients.
MiFID II, instead, calls for greater transparency on fees and amounts charged by fund managers to investors, both in advance of the investment and on an ongoing manner.
No fee funds might come with transparency conflicts and might not be a fit within the current climate for financial services in Europe.
Last week KPMG hosted a seminar for Property Developers and Property Investors. I spoke on tax structuring and thin capitalisation looking at preferred structuring possibilities for development projects and long-term investments. A link to the PowerPoint presentation follows
Loss leader strategies have been adopted across all sectors, services and products so far.
One of the most typical examples is razor blades, where producers literally give away razor units because once consumers acquire the unit they will need to buy blades.
Console games are usually sold at a loss to lure customer into purchasing higher margin games and subscriptions.
Loss leader used less for financial services or products and even less in the fund management system.
For the first time in August 2018 a Boston based fund power-house employed a loss leader strategy with the launch of two zero fees funds.
Fees charged by fund managers in the context of relationship with investors are not exclusively linked to the active management of the portfolio.
Fees typically cover costs associated to management of these investments and costs related to third parties involved in the investments.
Actively managed funds are more expensive because they allow for continuous deliver of alpha and outperformance of a benchmark index;
Passively managed funds are a much cheaper option because they replicate composition of a benchmark index to define their portfolios.
Not all fund houses – be them managing funds actively or passively – can afford to have an exclusive range of free funds.
Fund management comes at a cost.
According to FCA spokesman, fees charged by fund managers should remain and greater emphasis should be posed on transparency of fees for investors.
Recent regulatory changes impacting financial services regulation have mixed effect on the blossoming of a no fee fund ecosystem in Europe:
Retail Distribution Review (RDR) initiative and ensuing prohibition for fund managers to pay commission to distributors might push distributors to cost efficient solutions for their clients.
MiFID II, instead, calls for greater transparency on fees and amounts charged by fund managers to investors, both in advance of the investment and on an ongoing manner.
No fee funds might come with transparency conflicts and might not be a fit within the current climate for financial services in Europe.
Investing In New Zealand Property Market For Australians Part 2Real Estate Investar
This new, educational webinar covers exactly how to invest successfully in the New Zealand market as a strategy along with the pitfalls to be aware of for Australian investors.
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Mercer & Hole Property Plus - January 2015TIAG_Alliance
Published by Mercer & Hole - TIAG Member in London, England
These articles give an overview of some of the property issues that we are typically dealing with. These range from commercial property investment, to families buying property for their children to occupy, a second home investment, maybe a buy to let or a wealthy non UK domiciled individual acquiring a home or investment in the UK.
02: Buying property for children
03: Capital allowances in commercial property
04: Commercial property investment
05: VAT on student accommodation: 1 April 2015 changes
06: Non UK domiciliaries owning UK property
07: UK residential property – buy to let 08: Residential service charge accounts
- 9% per annum or 10% per annum for 3 or 5-year term
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- Security in the form of a First Legal Charge over the Target Property and / or a debenture over the investment provider
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This is an opportunity to invest in property development, and receive returns of 9%-10%. The issuing company is involved in an array of property development projects.
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Year End Tax Strategies for Business Owners and Real Estate InvestorsDavid Campbell
Year End Tax Strategies for Business Owners and Real Estate Investors
In this 60 minute FREE video http://www.hasslefreecashflowinvesting.com/video/year-end-tax-strategies-for-business-owners-and-real-estate-investors/ ($39 VALUE) with professional investor David Campbell, tax strategist Amanda Han, CPA, and self-directed IRA expert Kaaren Hall, you’ll learn:
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LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
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Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
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The key differences between the MDR and IVDR in the EUAllensmith572606
In the European Union (EU), two significant regulations have been introduced to enhance the safety and effectiveness of medical devices – the In Vitro Diagnostic Regulation (IVDR) and the Medical Device Regulation (MDR).
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...
Buying Property with Your Pension
1. Buying Property in Your Pension
Shane Brennan
Chartered Financial Solutions
May 2018
Chartered Financial Solutions Ltd is regulated by the Central Bank of Ireland.
2. Property within your Pension
∗ As the strong economic recovery continues, property
is back in vogue.
∗ We are regularly asked by our clients if they can
acquire a specific property within their pension.
∗ The answer is generally yes, with some caveats.
∗ This presentation will explore the process further.
3. ∗ You identify the property you wish to buy.
∗ Your pension fund buys the property.
∗ Acquisition costs are met from pension assets.
∗ Rent flows into the pension account tax free.
∗ Ongoing maintenance costs are met from the fund.
∗ On ultimate disposal, the proceeds are also tax free
within the pension structure.
The Concept - Summarised
4. ∗ Control – you decide what you want to buy.
∗ Tax efficient:
∗ no income tax on rental income.
∗ no Capital Gains Tax on sale of property.
∗ ongoing maintenance costs are met from gross pension
funds, rather than net salary.
∗ The property can pass into a post-retirement
structure in due course.
The Benefits
5. ∗ Lack of diversification – many clients wish to use the
vast majority of their pension fund to buy a single
asset. This is not prudent diversification.
∗ Liquidity – property can be an illiquid asset in a falling
market.
∗ The “Irish Issue” – we are more than a little obsessed
with property, which has clouded our judgement in
the past!
The Key Risks
7. Mainly residential or commercial
units in Ireland and the UK.
Further afield – on a case by case
basis.
Typical Property Profile
8. ∗ Holiday homes are strictly forbidden.
∗ Arm’s length – you cannot be connected to the
property in any way (don’t even ask!).
∗ You, or any connected party, cannot use the property.
∗ Property must be let on commercial terms to a non-
connected party.
∗ There must be sufficient liquidity to discharge all
scheme fees and liabilities.
∗ Development & quick resale is not allowed.
Revenue Rules
9. Some banks are now making facilities available.
Max loan to value is 50%.
Max loan term is 15 years.
Loan must be on an interest & capital basis.
Current rates are expensive – circa 5.6%.
Borrowings
10. 1. Gather up existing pension assets into approved
structure.
2. Identify the property you wish to buy.
3. Any borrowings are arranged.
4. Pension fund acquires the asset; legals & insurance
cover arranged.
5. Property manager appointed if needed.
6. Rental income flows in.
The Steps Involved
11. ∗ In the right circumstances, this is an attractive
proposition.
∗ Don’t put all your eggs in one basket!
∗ Like any asset, property goes through peaks &
troughs, and can be illiquid at times.
∗ We are happy to assist you to further explore
your options.
Summary
12. Chartered Financial Solutions Ltd
Trinity House
Charleston Road
Ranelagh
Dublin 6
Ireland
T: 353 (1) 497 2133
E: info@cfsireland.com
W: www.cfsireland.com
Chartered Financial Solutions Ltd is regulated by the Central Bank of Ireland.
13. Revenue rules which have underpinned our advice are open to change.
Past performance may not be a reliable guide to the future
performance of your investment.
The value of your investment may go down as well as up & you may
get back less than you invest.
While great care has been taken in its preparation, this presentation is of a
general nature and should not be relied on in relation to a specific issue
without taking appropriate financial, insurance, investment or other
professional advice.
The content of this presentation is for information purposes only and does not
constitute an offer or recommendation to buy or sell any investment or to
subscribe to any investment management or advisory service.
Compliance & Risk Notes