CMW - June 2014 Annual Financial ReportBrad Sheahon
Cromwell Property Group delivered strong financial results in FY2014, with operating profit up 43% to a record $146.7 million. Statutory profit increased 295% to $182.5 million. Distributions were up 5% to 7.6 cents per security. Net tangible assets per security increased to $0.73. Gearing was reduced to 42%. The funds management business continued to grow strongly, with operating profit up 30% to $8.3 million. Cromwell remains focused on delivering predictable, growing distributions through active management of its property portfolio and funds management business. Guidance for FY2015 is for operating earnings of at least 8.3 cents per security and distributions of 7.85 cents per
This document discusses key concepts related to the financial system, including how it matches people who save money with people who need to borrow money. It introduces various financial instruments like bonds and stocks, which are traded in financial markets. Bonds represent borrowing/debt, while stocks represent ownership in a company. Banks and mutual funds are described as important financial intermediaries. The role of interest rates in the market for loanable funds is also summarized.
Boardwalk REIT Investment Recommedation ProjectXu Wang
In this project, we analyzed the Boardwalk REIT by using P/FFO Multiple Method and Monte Carol Simulation and gave related investment recommendations based on our analysis.
This document introduces a diverse portfolio of investment opportunities including funds, futures and options, overseas property, telecommunications, carbon credits, fine wine, gold, arts and entertainment, and club and bar awards. Experienced investors can gain access to assets that may otherwise be unavailable. Appointments can be made with independent financial advisors to discuss the various funds and their terms and conditions in full. Capital-Investments serves as an introducer but does not provide advice directly.
This document provides information about wealth management and financial planning services offered by Cameron Christi and WealthMap. It discusses investment strategies and products including fixed index annuities, fixed annuities, bond funds, mutual funds, life insurance, college funding, long term care, and health insurance. It also covers topics like asset protection, the rule of 72, managing investment risk, and choosing a retirement strategy. The document aims to guide readers toward financial security.
Challenges and opportunities for financial market globalisationRedington
This document summarizes an event discussing opportunities and challenges of financial market globalization. It presents examples from China and Japan showing how capital controls have limited China's contribution to global financial integration compared to its contributions to trade and GDP. It also discusses how financial institutions must innovate their business models to maintain growth as traditional sources of revenue decline. Overall, the document examines how globalization brings opportunities like expanded financing sources but also challenges like increased vulnerability to external shocks for financial markets and institutions.
Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground.
This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe.
CMW - June 2014 Annual Financial ReportBrad Sheahon
Cromwell Property Group delivered strong financial results in FY2014, with operating profit up 43% to a record $146.7 million. Statutory profit increased 295% to $182.5 million. Distributions were up 5% to 7.6 cents per security. Net tangible assets per security increased to $0.73. Gearing was reduced to 42%. The funds management business continued to grow strongly, with operating profit up 30% to $8.3 million. Cromwell remains focused on delivering predictable, growing distributions through active management of its property portfolio and funds management business. Guidance for FY2015 is for operating earnings of at least 8.3 cents per security and distributions of 7.85 cents per
This document discusses key concepts related to the financial system, including how it matches people who save money with people who need to borrow money. It introduces various financial instruments like bonds and stocks, which are traded in financial markets. Bonds represent borrowing/debt, while stocks represent ownership in a company. Banks and mutual funds are described as important financial intermediaries. The role of interest rates in the market for loanable funds is also summarized.
Boardwalk REIT Investment Recommedation ProjectXu Wang
In this project, we analyzed the Boardwalk REIT by using P/FFO Multiple Method and Monte Carol Simulation and gave related investment recommendations based on our analysis.
This document introduces a diverse portfolio of investment opportunities including funds, futures and options, overseas property, telecommunications, carbon credits, fine wine, gold, arts and entertainment, and club and bar awards. Experienced investors can gain access to assets that may otherwise be unavailable. Appointments can be made with independent financial advisors to discuss the various funds and their terms and conditions in full. Capital-Investments serves as an introducer but does not provide advice directly.
This document provides information about wealth management and financial planning services offered by Cameron Christi and WealthMap. It discusses investment strategies and products including fixed index annuities, fixed annuities, bond funds, mutual funds, life insurance, college funding, long term care, and health insurance. It also covers topics like asset protection, the rule of 72, managing investment risk, and choosing a retirement strategy. The document aims to guide readers toward financial security.
Challenges and opportunities for financial market globalisationRedington
This document summarizes an event discussing opportunities and challenges of financial market globalization. It presents examples from China and Japan showing how capital controls have limited China's contribution to global financial integration compared to its contributions to trade and GDP. It also discusses how financial institutions must innovate their business models to maintain growth as traditional sources of revenue decline. Overall, the document examines how globalization brings opportunities like expanded financing sources but also challenges like increased vulnerability to external shocks for financial markets and institutions.
Many Canadian investors turn to Guaranteed Investment Certificates (GICs) looking for safe, stable income. However, low interest rates, taxes, and inflation have meant the real return on an average one-year GIC has actually been negative every single year over the past decade as shown in the chart. As a result, if you invested in a GIC, after taxes and inflation, you actually lost ground.
This is why having a diversified portfolio with a range of asset classes is essential. Including a portion of equities in your portfolio can protect your purchasing power and help grow your wealth over time. As an example, the ten-year return for Canadian equities as represented by the S&P/TSX is 7.97% for the same timeframe.
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
Oracle is a hassle-free product, with no investment transaction charges or cash accounts to worry about. It’s focused on individuals, companies and trustees with moderate amounts to invest, who want to start small but still reap the potential growth offered through a dedicated range of leading funds.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Olympic Wealth Fund Marathon December end Fact sheet now availableOlympic Wealth Fund
The Marathon Freedom Fund SP Fact Sheet provides information on the fund's performance and holdings as of December 2014. In the one year since its May 2013 inception, the fund's Class A shares declined 11.59%. Its top five holdings as of December 2014 were in the financial, consumer goods, and services sectors, including Arch Financial, Apple, Wells Fargo, Union Pacific, and Avis Budget. The two-page fact sheet also details the fund's objectives, investment strategy, portfolio composition, and administrative information.
Property investment France - Five Star Solf and Spa ResortAvantis Wealth
This document describes an investment opportunity in a 5-star golf and spa resort located in France. The resort is centered around a historic Chateau and offers fixed annual returns of 5% during construction, increasing to a projected 7-18% over 10 years. Investors are also assured the option to resell their investment at 125% of the purchase price after 5 years or 150% after 10 years. The minimum investment amount is £11,500. The resort development plans include an 18-hole golf course, equestrian center, and world-class spa facilities set on 220 acres of natural landscape.
The 2013 Temasek Review, titled “Beyond Investing”, was launched on 4 July 2013.
Structure
- The Temasek Charter
- Performance Overview
- From Our Chairman
- Portfolio Overview
- Group Financial Summary
- Financing Framework
- Shaping Our Portfolio
- Shaping Our Institution
- Expanding Horizons
- Commitment to Community
- Major Investments
- Contact Information
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek.
This document summarizes the financial results of Banco Pine for the first quarter of 2009. It shows that the bank's loan portfolio decreased by 23% compared to the previous quarter due to deleveraging. Non-performing loans remained below 2% despite economic uncertainty. Revenue was impacted by the portfolio reduction but operating expenses decreased by 18%. The bank maintained a strong capital adequacy ratio of 18.6% and paid dividends of R$25 million to shareholders in the quarter. Overall, the bank focused on controlling risks and reducing costs during a period of loan portfolio deleveraging.
1) The document discusses a person's investment goals and current financial situation. She has interest in investing but lacks skills and has not planned well.
2) It provides details of her assets, which include shares, bank deposits, and a property. Her liabilities include various loans.
3) Recommendations are made to diversify her investments into lower risk instruments like bonds and to use some of her savings to pay off higher interest loans.
Venture capital fundraising remained stable in Q2 2004, with $3.03 billion raised by 48 venture firms. However, there was a shift towards early stage investing. Buyout and mezzanine funds rebounded strongly, raising $13 billion. The three largest venture funds raised were all early stage funds, collectively raising $2.075 billion. Buyout funds also saw large raises, with the three top funds accounting for nearly 75% of the $13 billion total raised for buyout/mezzanine funds. Overall, the first half of 2004 has seen more venture capital fundraising than the first half of 2003.
Guarantee Advantage - February 2014 campaignSilvia Breahna
This document describes market-linked term investments offered by Desjardins Insurance in February 2014. It lists the securities in various sectors including healthcare, consumer staples, financials, and global diversified. The terms are either 3 years and 2 days or 5 years and 2 days, with initial dates in February 2014 and maturity dates in February 2017 or February 2019 depending on the term. The return options provide either a guaranteed minimum return between 0-1.5% or a potential maximum return between 7-18% depending on the sector and term. The investments have features such as a $500 minimum deposit, eligibility for registered plans, a surrender option, a death benefit guarantee, and Assuris protection.
A Fresh Look at Charitable Lead Annuity Trusts - 2016Brian T. Whitlock
The document discusses charitable lead trusts (CLTs) and how they can provide estate and gift tax benefits. It explains that a CLT is an irrevocable trust that makes payments to charity for a set period of time, after which the remaining assets pass to non-charitable beneficiaries. The value of the payments to charity is subtracted from the initial gift value, reducing the taxable gift. Lower interest rates currently allow CLTs to effectively reduce the taxable gift to zero for assets with returns above the Section 7520 rate. The document provides examples of how CLTs can work for different types of assets.
This document discusses investing in precious metals and precious metal companies. It provides historical price data for gold, silver, and palladium showing strong gains since 2004. It then discusses reasons for investing in precious metal funds and companies, including diversification and potential capital gains. A specific precious metal fund is described that focuses on junior mining companies in Latin America, especially Mexico, which is highlighted as one of the most prolific mining countries with competitive business advantages.
WCI Preview | Business Opportunity | How to Earn from BitcoinJeffrey Balanay
Click here to sign up: https://my-wci.com/?referral=iamjeoff&position=Right
WCI Preview
* Learn how to earn money from Bitcoin investment
* Passive Income
* Financial Technology
* Longterm Investment
* Multi-level Marketing
* World wide
* Cryptocurrency
Olympic Wealth Management Group was founded in Barbados to manage the Olympic Wealth Fund, which invests in emerging markets around the world. The Javelin Global Emerging Markets Fund aims to identify high-growth companies in developing countries to maximize long-term returns for clients. Javelin uses a focus investing strategy developed by Benjamin Graham and Warren Buffett to find undervalued companies with sustainable advantages. The fund offers high watermark and hurdle rate performance fees to closely align client and manager goals. Risk is managed through diversification, liquidity, and a long-term perspective.
Olympic Wealth Management Group was founded in Barbados to manage the Olympic Wealth Fund, which invests in emerging markets around the world. The Javelin Global Emerging Markets Fund aims to identify high-growth companies in developing countries to maximize long-term returns for clients. Javelin uses a focus investing strategy developed by Benjamin Graham and Warren Buffett to find undervalued companies with sustainable advantages. The fund offers high water marks and hurdle rates to align client and manager goals. Risk is managed through diversification, liquidity, and a long-term perspective. Client service is a top priority to foster understanding and involvement.
Dividend Growth Investing: The Guide To Passive Income RetirementAndrew Li
The document discusses dividend growth investing (DGI) as a strategy for retirement. DGI aims to provide a predictable stream of cash flow through dividends to cover living expenses without selling stocks. It emphasizes owning stocks of well-established companies that regularly increase their dividends over time to benefit from compounding returns. Following a diversified portfolio of dividend-paying stocks from various sectors can potentially generate higher and more stable returns than the broader market over the long run. The document provides tips for building a solid DGI portfolio and monitoring investments to achieve financial independence through dividend income.
Estate and tax planning ideas for 2012 v4-post-final (2)Roger Royse
This document summarizes the key tax implications of estate planning, gifts, and inheritances for U.S. citizens and residents. It discusses estate, gift, and generation-skipping transfer tax rates and exemptions from 2010 to 2013. It also reviews annual gift and estate tax exclusions, the marital deduction, qualified domestic trusts, and reporting requirements for foreign financial assets.
focusIT is a technology solutions provider established in 2002 with 10 employees and 15 contractors. They serve over 600 clients and 12,000 end users daily, primarily in the mortgage and financial industries. Pulse is focusIT's solution to problems their clients face with too many disconnected apps, inconsistencies, interruptions, and lack of mobility. Pulse integrates key systems like the loan origination system and Microsoft Exchange into a single app, allows push alerts and updates, and provides task management and loan milestones tracking to streamline the loan process.
Capstone Direct - Mortgage Lender in CaliforniaCapstonedirect
A renovation loan Eliminates the need for a second mortgage or the need for a refinance to pay off a construction loan. Find about renovation eligibility and maximum loan amount.
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
Oracle is a hassle-free product, with no investment transaction charges or cash accounts to worry about. It’s focused on individuals, companies and trustees with moderate amounts to invest, who want to start small but still reap the potential growth offered through a dedicated range of leading funds.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Olympic Wealth Fund Marathon December end Fact sheet now availableOlympic Wealth Fund
The Marathon Freedom Fund SP Fact Sheet provides information on the fund's performance and holdings as of December 2014. In the one year since its May 2013 inception, the fund's Class A shares declined 11.59%. Its top five holdings as of December 2014 were in the financial, consumer goods, and services sectors, including Arch Financial, Apple, Wells Fargo, Union Pacific, and Avis Budget. The two-page fact sheet also details the fund's objectives, investment strategy, portfolio composition, and administrative information.
Property investment France - Five Star Solf and Spa ResortAvantis Wealth
This document describes an investment opportunity in a 5-star golf and spa resort located in France. The resort is centered around a historic Chateau and offers fixed annual returns of 5% during construction, increasing to a projected 7-18% over 10 years. Investors are also assured the option to resell their investment at 125% of the purchase price after 5 years or 150% after 10 years. The minimum investment amount is £11,500. The resort development plans include an 18-hole golf course, equestrian center, and world-class spa facilities set on 220 acres of natural landscape.
The 2013 Temasek Review, titled “Beyond Investing”, was launched on 4 July 2013.
Structure
- The Temasek Charter
- Performance Overview
- From Our Chairman
- Portfolio Overview
- Group Financial Summary
- Financing Framework
- Shaping Our Portfolio
- Shaping Our Institution
- Expanding Horizons
- Commitment to Community
- Major Investments
- Contact Information
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek.
This document summarizes the financial results of Banco Pine for the first quarter of 2009. It shows that the bank's loan portfolio decreased by 23% compared to the previous quarter due to deleveraging. Non-performing loans remained below 2% despite economic uncertainty. Revenue was impacted by the portfolio reduction but operating expenses decreased by 18%. The bank maintained a strong capital adequacy ratio of 18.6% and paid dividends of R$25 million to shareholders in the quarter. Overall, the bank focused on controlling risks and reducing costs during a period of loan portfolio deleveraging.
1) The document discusses a person's investment goals and current financial situation. She has interest in investing but lacks skills and has not planned well.
2) It provides details of her assets, which include shares, bank deposits, and a property. Her liabilities include various loans.
3) Recommendations are made to diversify her investments into lower risk instruments like bonds and to use some of her savings to pay off higher interest loans.
Venture capital fundraising remained stable in Q2 2004, with $3.03 billion raised by 48 venture firms. However, there was a shift towards early stage investing. Buyout and mezzanine funds rebounded strongly, raising $13 billion. The three largest venture funds raised were all early stage funds, collectively raising $2.075 billion. Buyout funds also saw large raises, with the three top funds accounting for nearly 75% of the $13 billion total raised for buyout/mezzanine funds. Overall, the first half of 2004 has seen more venture capital fundraising than the first half of 2003.
Guarantee Advantage - February 2014 campaignSilvia Breahna
This document describes market-linked term investments offered by Desjardins Insurance in February 2014. It lists the securities in various sectors including healthcare, consumer staples, financials, and global diversified. The terms are either 3 years and 2 days or 5 years and 2 days, with initial dates in February 2014 and maturity dates in February 2017 or February 2019 depending on the term. The return options provide either a guaranteed minimum return between 0-1.5% or a potential maximum return between 7-18% depending on the sector and term. The investments have features such as a $500 minimum deposit, eligibility for registered plans, a surrender option, a death benefit guarantee, and Assuris protection.
A Fresh Look at Charitable Lead Annuity Trusts - 2016Brian T. Whitlock
The document discusses charitable lead trusts (CLTs) and how they can provide estate and gift tax benefits. It explains that a CLT is an irrevocable trust that makes payments to charity for a set period of time, after which the remaining assets pass to non-charitable beneficiaries. The value of the payments to charity is subtracted from the initial gift value, reducing the taxable gift. Lower interest rates currently allow CLTs to effectively reduce the taxable gift to zero for assets with returns above the Section 7520 rate. The document provides examples of how CLTs can work for different types of assets.
This document discusses investing in precious metals and precious metal companies. It provides historical price data for gold, silver, and palladium showing strong gains since 2004. It then discusses reasons for investing in precious metal funds and companies, including diversification and potential capital gains. A specific precious metal fund is described that focuses on junior mining companies in Latin America, especially Mexico, which is highlighted as one of the most prolific mining countries with competitive business advantages.
WCI Preview | Business Opportunity | How to Earn from BitcoinJeffrey Balanay
Click here to sign up: https://my-wci.com/?referral=iamjeoff&position=Right
WCI Preview
* Learn how to earn money from Bitcoin investment
* Passive Income
* Financial Technology
* Longterm Investment
* Multi-level Marketing
* World wide
* Cryptocurrency
Olympic Wealth Management Group was founded in Barbados to manage the Olympic Wealth Fund, which invests in emerging markets around the world. The Javelin Global Emerging Markets Fund aims to identify high-growth companies in developing countries to maximize long-term returns for clients. Javelin uses a focus investing strategy developed by Benjamin Graham and Warren Buffett to find undervalued companies with sustainable advantages. The fund offers high watermark and hurdle rate performance fees to closely align client and manager goals. Risk is managed through diversification, liquidity, and a long-term perspective.
Olympic Wealth Management Group was founded in Barbados to manage the Olympic Wealth Fund, which invests in emerging markets around the world. The Javelin Global Emerging Markets Fund aims to identify high-growth companies in developing countries to maximize long-term returns for clients. Javelin uses a focus investing strategy developed by Benjamin Graham and Warren Buffett to find undervalued companies with sustainable advantages. The fund offers high water marks and hurdle rates to align client and manager goals. Risk is managed through diversification, liquidity, and a long-term perspective. Client service is a top priority to foster understanding and involvement.
Dividend Growth Investing: The Guide To Passive Income RetirementAndrew Li
The document discusses dividend growth investing (DGI) as a strategy for retirement. DGI aims to provide a predictable stream of cash flow through dividends to cover living expenses without selling stocks. It emphasizes owning stocks of well-established companies that regularly increase their dividends over time to benefit from compounding returns. Following a diversified portfolio of dividend-paying stocks from various sectors can potentially generate higher and more stable returns than the broader market over the long run. The document provides tips for building a solid DGI portfolio and monitoring investments to achieve financial independence through dividend income.
Estate and tax planning ideas for 2012 v4-post-final (2)Roger Royse
This document summarizes the key tax implications of estate planning, gifts, and inheritances for U.S. citizens and residents. It discusses estate, gift, and generation-skipping transfer tax rates and exemptions from 2010 to 2013. It also reviews annual gift and estate tax exclusions, the marital deduction, qualified domestic trusts, and reporting requirements for foreign financial assets.
focusIT is a technology solutions provider established in 2002 with 10 employees and 15 contractors. They serve over 600 clients and 12,000 end users daily, primarily in the mortgage and financial industries. Pulse is focusIT's solution to problems their clients face with too many disconnected apps, inconsistencies, interruptions, and lack of mobility. Pulse integrates key systems like the loan origination system and Microsoft Exchange into a single app, allows push alerts and updates, and provides task management and loan milestones tracking to streamline the loan process.
Capstone Direct - Mortgage Lender in CaliforniaCapstonedirect
A renovation loan Eliminates the need for a second mortgage or the need for a refinance to pay off a construction loan. Find about renovation eligibility and maximum loan amount.
A mortgage is a loan secured by real property through the use of a mortgage note and granting of a mortgage. It involves the transfer of an interest in a specifically identified immovable property from the mortgagor to the mortgagee for the purpose of securing repayment of a loan. There are different types of mortgages that vary based on factors like possession and title transfer of the mortgaged property.
Mortgage Market Presentation Pt. 1 & 2lerogers
The document discusses the mortgage market, including what a mortgage is, the primary and secondary markets, the roles of Fannie Mae and Freddie Mac, impacts of the mortgage crisis, and the future of the mortgage market. It notes that Fannie Mae and Freddie Mac purchase about 80% of new home mortgages and held $1.5 trillion in mortgages and MBS by 2008. The government took over Fannie Mae and Freddie Mac as conservator in 2008 and introduced programs like HAMP to help homeowners avoid foreclosure. The future of the GSEs and mortgage-backed securities is uncertain and dependent on economic conditions.
North America Mortgage Banking 2020: Convergent Disruption in the Credit Indu...accenture
To further compound lenders’ challenges to rebuild growth, profitability and efficiency following the recent credit crisis, convergent disruption is leading to a structural change in the industry; multiple disruptive forces are converging, creating an increasingly complex and highly dynamic future environment. Accenture examines the building blocks and roadmap to success in 2020.
The document discusses the US mortgage market. It covers what mortgages are, common types of residential mortgages, institutions that provide and service loans, and the growth of the secondary mortgage market. Key developments include the creation of mortgage-backed securities and collateralized mortgage obligations, which helped securitize mortgages and spread risk across many homeowners.
How to Become a Thought Leader in Your NicheLeslie Samuel
Are bloggers thought leaders? Here are some tips on how you can become one. Provide great value, put awesome content out there on a regular basis, and help others.
Roy Walker provides financial advisory and wealth management services. He has over 20 years of experience in Asia and now works from Dubai. He takes a cautious approach to investing, focusing on long-term growth through diversification across asset classes and geographies. His financial planning process involves conducting a needs analysis, researching solutions, preparing a recommendation document, discussing options with clients, and ongoing monitoring and reviews. The goal is to help clients achieve their financial goals through a personalized and tailored approach.
Budgeting for the Sustainable Development Goals: Measure Better to Target BetterCaribbean Development Bank
Presentation delivered by Mr. Richard S. Sammy, Group Vice President (Designate), Republic Financial Holdings Limited at the seminar titled, "Budgeting for Sustainable Development" on June 14, 2022 in Turks and Caicos Islands. The seminar was part of the Bank's 52nd Annual Meeting activities.
Montello Real Estate Opportunity Fund Feb 2015 FactsheetMontello
1) The Montello Real Estate Opportunity Fund consolidates Montello's position as a 'one-stop shop' for real estate entrepreneurs, able to fund developers for property acquisition through bridging finance and development completion.
2) The fund launched in January 2014 and provides high level returns between 6-10% annually while preserving capital across a diversified portfolio of UK real estate projects.
3) Montello and transaction advisor CBRE undertake extensive due diligence on projects and partners to mitigate risk and support the fund's target of consistent, stable returns.
This article highlights 15 top-performing mutual funds over the past 5 years. It begins by discussing the difficult market environment for funds since 2005, with the average annual return just 2% compared to inflation. However, some funds delivered much better returns. The top-performing fund highlighted is the Yacktman fund, which returned 40% over 5 years compared to just 4,000% for a market index fund. The article then examines the BlackRock Global Allocation fund in more detail as the top global fund. It achieved an average annual return of 7.7% over 15 years by taking advantage of market downturns to buy stocks and bonds at lower prices. The fund aims to limit risk by diversifying across
Manilall Seetohul, Mauritius Housing Company.
With more than 46 cities in Africa swelling to populations of a million people or more — and 17 of the world's 100 fastest-growing cities located in Africa — there is an acute need to develop housing solutions for so many urban residents. But raising the capital to meet that growing demand for housing remains a significant challenge. In 2013, the African Union for Housing Finance (AUHF) will host a conference under the theme "Raising Capital for Housing Finance.” The Africa-China Urban Initiative will organize a conference panel discussion on "Understanding (and harnessing) Chinese investment interest." Chinese investment in residential development in Africa is increasingly having an impact and demonstrating a track record of opportunity and experience. Panelists invited include Chinese investors setting out their experiences and expectations for the market and an African corporation that has received Chinese financing.
http://urban-africa-china.angonet.org/content/29th-annual-conference-mobilising-capital-housing-finance
This document summarizes a real estate event hosted by Nicola Wealth Management. It begins with an introduction by David Sung, President of Nicola Wealth. The document then discusses typical balanced mutual fund allocations, performance of various pension funds and composite returns. It provides an overview of the real estate market and compares returns of real estate to stocks and bonds. The remainder consists of presentations on market outlook, investment strategies and a panel discussion on the Vancouver real estate market with industry experts.
The document discusses corporate Sukuk issuance and prospects in Pakistan, particularly for utility and state-owned enterprises. It provides definitions of Sukuk, describes their structure and how they are linked to real assets. Global Sukuk issuance trends are presented, showing growth from 2001-2006. Key considerations for a successful Sukuk market include proper Shariah, legal and regulatory frameworks and developing the interbank market. International experience from Malaysia, UAE, and Bahrain demonstrates the importance of consistent sovereign issuance, innovations in Sukuk products, and developing investor bases. While prospects for Sukuk issuance are large in Pakistan, current issues include the lack of a sovereign Sukuk market and developed inter
The document outlines 3 secrets of how wealthy people create and preserve wealth through real estate investments. Secret #1 is that wealthy people take control of their finances rather than relying on banks and financial advisors. Secret #2 is that real estate offers greater returns than other investments due to leverage and cash flow. Secret #3 is that wealthy people understand risk versus reward and are willing to take on more risk for higher potential returns rather than focusing solely on guaranteed safety. The document promotes a real estate investment seminar and fund.
Real Estate Investing: The Key To Long Term WealthTeam Nickerson
You will lean why real estate is such a great investment vehicle, why you want to invest in real estate for the long term, how to analyze a property, how to chose where to invest based on economic fundamentals, and how to be a successful investor.
Montello Real Estate Opportunity Fund Institutional June FactsheetMontello
The Montello Real Estate Opportunity Fund is a Luxembourg regulated SICAV-SIF, set up in partnership with some of the top names in the industry. CBRE will act as transaction manager, while Luxembourg Fund Partners and Apex Fund Services are assisting with the operation and administration. PwC will audit the Fund and ABN AMRO is the custodian bank.
SA Home Loans is a South African company that originated home loans and funded its loan book through securitization, the process of packaging individual loans into marketable securities. The company presented on the growth of securitization globally and in South Africa. It discussed its own success using securitization to access cheaper funding than banks, allowing it to offer discounted home loans. Moving forward, it aims to expand securitization activity in South Africa through greater investor education, cross-border deals, and additional asset classes.
Small Business Pitching Decks for InvestorsLeeyungTam
This document discusses the events of 2020, including the Covid-19 pandemic, economic impacts such as stock market declines and gold price increases, and concerns about future financial crises. It provides information about KINROSS, a Cayman Islands-registered gold investment fund, including its operations and partnerships with other companies like Chancellor Precious Metals. The document seeks to promote gold and gold-linked investments as a safe haven during economic uncertainty.
Montello Real Estate Opportunity Fund Summary Sheet JUNE 2014Montello
The document describes the Montello Real Estate Opportunity Fund, a Luxembourg SICAV-SIF fund that invests in UK real estate opportunities with a focus on London and southeast England. The fund is managed by Montello Capital Advisors and aims to provide stable returns between 6-10% annually. It consolidates Montello's position as a one-stop shop for real estate financing, development, and investment.
The document provides information about citizenship by investment in Dominica. There are two investment options - contributing to the government fund starting at $100,000 or purchasing approved real estate for $200,000. Benefits of Dominica citizenship include travel to over 111 countries visa-free, no taxes on income or inheritance, and the ability to retain existing citizenship. The process takes 4-16 weeks and involves due diligence checks, documentation submission, investment payment, and naturalization certificate and passport issuance. Real estate options include shares in the Cabrits Resort Kempinski starting at $220,000.
This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include:
- WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans.
- Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization.
- Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480.
- Options
We are proud that we’re based on the Isle of Man- a well-established global financial centre with an outstanding reputation for investor protection and a host of international accolades. Check our latest brochure to find out why we call it- An Unrivalled Location.
The document describes NVC Fund Holding Trust, a global conglomerate operating in various industries including wealth management, banking, insurance, commodities, and real estate. It has over $5 trillion in managed assets and has completed numerous multibillion dollar investments and initiatives, including in oil and gas, construction, mining, and financial services companies. NVC Fund aims to facilitate partnerships and transactions by leveraging its extensive resources and network of companies.
The document discusses various investment and protection services available through RL360. It begins by summarizing the Isle of Man's history and reputation as an offshore financial center. It then discusses RL360's regulation and client protection schemes. The document goes on to provide examples of regular contribution investment plans, single sum investments, and independent discretionary management services. It also introduces a new emerging market equity income fund and describes international protection plans.
We'll admit it upfront: Municipal bonds are not as sexy as common stock in biotech firms or airlines. Compared to many stocks' speedboat nature -- hopping across the choppy surface, sending ripples far and wide -- many have glided like sailboats on relatively calm waters, though not all have performed well. For this reason, among others, they play an important role in any serious investor's portfolio.
Similar to Meridian Mortgage Fund - Net Return to Investors of 6.12% (Q4 2016) (20)
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Meridian Mortgage Fund - Net Return to Investors of 6.12% (Q4 2016)
1. INTRODUCTION TO THE MERIDIAN MORTGAGE FUND
ESTABLISHED 1996
Meridian Trust Company Limited
Clifton Simeon – Trust Officer / Investment Advisor
2. Overview
About the Turks & Caicos Islands
Turks & Caicos Islands Economy Update
Property Investments in the TCI
MERIDIAN MORTGAGE FUND
Protecting Your Money
Summary
Meridian Trust Contact
3. Turks & Caicos Islands
The total population of the Turks & Caicos Islands (TCI) is about 36,604 (2017)
people. The two largest cities are Providenciales and Grand Turk.
The TCI consist of 40 islands and cays, eight (8) of which are inhabited. The
islands are located approximately 600 miles southeast to Miami, Florida
and110 miles south of the Bahamas. Technically, the TCI is located in the
Atlantic Ocean, not the Caribbean Sea.
TCI is on Atlantic Standard Time (Eastern Daylight Time) all year long. Clocks
are not turned back an hour in the fall, allowing residents and tourist to enjoy
later sunsets and an extra hour of sunshine during evenings over the winter
season.
The average temperature in the TCI is 80-90℉ (26-32℃) from June-October.
From November-May the average is 80-84℉ (26-29℃).
The TCI’s government operates under British Law as a British Crown Colony. A
governor is appointed by the Queen and presides over an executive council
formed by an elected local self-government. Government offices are located in
Grand Turk, with branches on other Islands as needed. The legal system is
based on English Common Law.
4. Turks & Caicos Economy
Language: English
The economy of the Turks & Caicos Islands (TCI) relies on the tourism industry, real
estate development, importation of goods and the exportation of seafood.
The TCI offers a wide variety of financial services, including establishment of
offshore companies, offshore insurance, banking, trusts, limited partnerships and
limited life companies.
The TCI’s Financial Services Commission regulates, develops and promotes the
industry in major world markets.
The TCI uses the United States currency (USD).
The economy currently has one of the fastest growth rates in the Caribbean. The
GDP growth of 5.94% (2015), the TCI is projected to experience economic growth
of 4.4% in 2016.
Providenciales is by far the most developed of the Turks & Caicos Islands. With
tremendous advances in infrastructure and services, and the real estate market has
changed from a speculative market to more of a lifestyle purchase.
5. Property Investments
The real estate market in Turks & Caicos is very strong, with a steady
supply of high net worth buyers. But despite all the growth, TCI is still
underpriced compared to other top Caribbean islands, and offers
tremendous value to foreign investors.
Since the upswing in quarter-four (Q4) 2011, real estate and development
has experienced a healthy cross-section increase of sales in each segment
of the market.
The TCI has a favorable tax system and no limitations to foreign ownership
of property.
No income taxes on revenue generated from property.
No annual property taxes.
No capital gains tax on sale of property.
The Turks & Caicos has a modern land registry system, that makes
transferring of title simple and accurate.
6. Property Investments
Vacation Homes: Many people are acquiring 2nd and 3rd homes to provide
portfolio diversification and to enjoy the property while capital
appreciates.
Raw Land: Beach front, canal lots and view lots are currently available on
the market. Limited supply and steady demand has pushed prices up.
Condominiums: There’s a wide selection of condos available from low
budget to high end luxury accommodations. Condos have seen an increase
of 18% in sales from 2015 to 2016.
Villas: There are a wide range of villas rentals available for you, most with
panoramic views of TCI’s pristine waters and magical sunsets. Villas sales
(up 27%) has finished strong yet again in 2016.
Affordable Options: An influx of migrant workers and limited supply of
affordable housing has driven rental yields upward.
7. Turks & Caicos Real Estate Sales 2016
The Turks &
Caicos Islands
are emerging
as one of the
fastest-growing
real estate
markets in the
Caribbean
region.
0
10
20
30
40
50
60
70
80
90
100
Test 1 Test 2 Test 3 Test 4
First
Second
Third
8. 2016 Condominium & Villa Sales
Project
Item 1
Item 2
Item 3
Item 4
Turks & Caicos Condominium
Sales – Year End Comparison 2016
Turks & Caicos Home/Villa Sales –
Year End Comparison 2016
9. “A conservative fund which provides the
discriminating investor with periodic
income, high yields, stability,
diversification and liquidity.”
Meridian Mortgage Fund (MMF)
10. What is a ‘mortgage fund’?
A mortgage fund is a type of
investment in which you buy units
in a fund that is operated by a
professional fund manager.
The mortgage fund’s money is
lent out (as mortgage loans) to a
range of borrowers who use the
money to buy and/or develop
properties.
In return for investing your money
(your ‘capital’), the fund manager
promises to pay you a regular
income through cash distribution
or reinvestments.
11. Meridian Mortgage Fund
Currency: US Dollar (USD)
Classification: Mortgage
Backed Securities
Fund Manager: Meridian
Mortgage Corporation
Ltd.
Regulator: TCI Financial
Services Commission
Auditor: (PwC)
PricewaterhouseCoopers
MERIDIAN MORTGAGE PORTFOLIO
Total Loan Portfolio $ 63,564,434
Total Cash & Certificate of Deposits $1,069,176
Total Fund Value $64,633,610
Value of Underlying Security
$160,389,506
Loan To Value Ratio 39.63%
Fund Facts Portfolio Summary
AVERAGE ANNUALISED NET RATE OF RETURN (%)
Q4 2016 3 YRS 5 YRS INCEPTION
(1996)
6.12 6.25 6.26 8.80
12. Meridian Mortgage Fund Mandate
The objective of the fund is to achieve the highest level of current
return as is consistent with the preservation of capital.
The fund intends to achieve its objective by investing primarily in first
position mortgages”
In the Turks & Caicos Islands
With a maximum 3-year loan term
With a maximum loan-to-value ratio of 50% of the appraised value
All borrowers securing a loan on property containing a structure are
obligated to carry building insurance from an insurer deemed
acceptable by the fund manager. The fund is audited by a ‘Big 4’
accounting firm annually. Returns accrue bi-weekly and are
distributed on a quarterly basis. The fund is designed for investors
who are seeking high yield returns over the mid-to-long term
horizon.
13. MMF vs. US National CD Yield
Comparison
between two
low-risk
investments.
Meridian
Mortgage Fund’s
return compares
favorably with
US National CD
yield.
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
MMF Dividend Yield (Life of Fund) vs. National Average 1-year
CD Yield
Dividend Yield 1-Yr CD Yield
14. Meridian Mortgage Fund
classifies its portfolio with
secured mortgages containing
a mixture of loans between
land, residential, commercial
and multi-unit residential that
creates security for all
investors.
Meridian holds 74% of its
total loan portfolio in the form
of assets, 26% vacant land.
Meridian Mortgage Fund
maintains a balanced
portfolio of loans by
spreading money we lend
and invest between different
loans, borrowers and
investments.
The loan-to-value ratio is
currently 39.35% (Q4 2016),
which remains significantly
below the maximum ratio of
50% which translates into
reduced risk.
Stability Diversification
16. Meridian has no front-end
load fees to investors.
Investors are liable for a
2% redemption penalty if
shares are redeemed within
the first year.
No redemption penalty
after 1-year period.
MMF has the ability to
meet its short-term cash
needs.
Interest rates in the Turks &
Caicos Islands, historically,
have been significantly higher
than other onshore locations.
Meridian Mortgage Fund has
an average return of 5% and
higher to investors
(subscribers).
Most recent calculated net-
return, Q4 2016 is 6.12%.
Liquidity High Returns
17. Investors’ income generated
by the fund:
Can be reinvested in the
fund ; or
Paid out on a quarterly or
annual basis
Income is generated from:
Income received (interest
collected from borrowers)
Selling off assets and
collecting late payment
penalty fees
MMF maintains
$3,000,000.00 in liability
insurance.
MMF is audited by
PricewaterhouseCoopers on
an annual basis.
All mortgages are registered
with the government land
registry.
Meridian requires a first
position charge against all
properties.
Periodic Income Security
18. MMF as a Pension/Savings Account
Scenario: Jack &
Diane invested
$25,000 in 1996
into MMF as a
pension/savings
account. Without
any additional
subscriptions to
their account, as
of November
2016, the
account has a
balance of
$127,096.90.
The same
scenario is
compared if Jack
& Diane were to
invest that money
into a bank CD
for the same
amount of time.
$0.00
$20,000.00
$40,000.00
$60,000.00
$80,000.00
$100,000.00
$120,000.00
$140,000.00
1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016
Initial $25,000 Investment at Start of Fund
Bank CD MMF
Based on Average Rate of Return for 2016
19. Double Investment Amount
Scenario: Jack &
Diane are happy
with their
investment. Apart
from their
Pension/Savings
account, they have a
grandchild now and
wanted to know how
long an investment
of $100,000.00 will
take to double.
Keeping the rate of
return constant, for
the example, it
would take about
12 years for Jack &
Diane’s investment
to double in value.
As compared to US
National Bank CD.
$0.00
$50,000.00
$100,000.00
$150,000.00
$200,000.00
$250,000.00
2016 2018 2020 2022 2024 2026 2028 2030
Investor Wants to Know How Long Their $100,000 Investment
Will Take to Double - Meridian Mortgage Fund vs. Bank CD
MMF Return 6.5% Bank CD Return 0.29%
$212,909.62
$103,536.04
Based on Average Rate of Return for 2016
20. MMF Applicable Fees
Summary of Fees and Expenses
Meridian Mortgage Fund has no fee associated with
subscribing (minimum first time investment of $25,000.00).
Management fee is .5% of the average daily NAV (net
asset value) of the fund.
This fee is paid quarterly
Investment advisor fee is .15% of the average daily NAV of
the fund.
This fee is paid quarterly
Referral fee of 1% to any individual referring Meridian
Mortgage Fund.
This fee is paid quarterly
21. Two (2) Ways to Invest in Mortgages
Investors “pool” their money into
MMF.
Profits generated are distributed to
investors according to their
proportional interest at subscription.
Earn a blended rate of return based
on the interest earned from each
respective mortgage.
Simplest form of mortgage-backed
securities.
Mortgage Pool
22. Group of investors invest in
one specific mortgage at a
time.
Investor is free to contribute
any amount they’d like toward
the full loan amount.
When mortgage matures and
is paid out, the funds are
returned to the investors.
More hands-on than a normal
mortgage pool.
Specific Mortgage Syndication
23. Due Diligence
Individual Investor
Certified copy of Passport of Driver’s License
Copy of Utility Bill (credit card statement etc.) showing
current address
Occupation (job letter or resume)
Place of Birth
Contact Information (telephone number, email and/or
mailing address)
24. Due Diligence
Corporation and/or Private Company
Copy of the Certificate of Incorporation
A certificate of ‘Good Standing’
Identification of Directors
Identification and Nationality of Beneficial Owners
Nature of the Company Business
Registered office details
25. Asset Protection
To protect client confidentiality, Meridian acts as
nominee director and secretary, registered office and
administrator of bank accounts.
A USD $3,000,000 insurance policy with Lloyds of
London is set in place to protect clients capital +
investment.
The FSC (Financial Services Commission) of the Turks
and Caicos Islands ensures that competent management
with sufficient experience is met to manage the affairs
of a Trust company, they review the business license on
an annual basis.
26. Benefits of Investing in MMF
Returns that average 5.5% and higher
Liquidity (fund policy in place that ensures cash is on
hand to meet cash needs)
Real estate security (mortgage-backed security - not
associated with the US stock market)
Monthly income
Low volatility
Professional management
Diversification (fund policy in place for lending and
investing)
Compounding is available
27. Meridian Contact Information
Mr. Clifton Simeon
Trust Officer / Investment Advisor
Meridian Trust Company Ltd.,
P.O. Box 599, Le Vele Plaza, Grace Bay
Providenciales, Turks & Caicos Islands, BWI
Tel: +1 (649) 941-3082
Cell: +1 (649) 243-9275
Fax: +1 (649) 941-3223
Email: clifton@meridiantrust.tc
Web: www.meridiantrust.tc