The document discusses several options for micro-investing in residential property with small amounts of money, including co-investing with friends, using the equity in a family home as security to purchase an investment property, fractional property funds that allow investment in individual properties for as little as $100, listed property stocks and ETFs on the stock market, and contributory secured first mortgages that provide high yields with low risk. It notes both benefits and risks for each option, such as lower costs and diversification benefits but also less control and liquidity than owning a whole property.
Warren Buffett recently discussed his win of a decade long wager in the 2017 Annual Report of Berkshire Hathaway. His winning claim was that an investment in a US equity index would outperform a selected group of hedge funds over the period. Although, over time, equity is a strong return generating asset class, the majority of investors are not in the privileged position where they not only have the luxury of time and emotional fortitude, but also sufficient excess capital to be able to fully invest in such a risky asset class to reap the reward that comes with time. The role of hedge funds in the portfolio construction of these investors is explored.
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Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
The undeniable global macroeconomic step change warrants a re-think of portfolio construction for the next investment cycle. The regulation of hedge funds presents an additional tool previously not available to the retail investor that can act as a component of greater certainty in a portfolio cognisant of a VUCA world
Warren Buffett recently discussed his win of a decade long wager in the 2017 Annual Report of Berkshire Hathaway. His winning claim was that an investment in a US equity index would outperform a selected group of hedge funds over the period. Although, over time, equity is a strong return generating asset class, the majority of investors are not in the privileged position where they not only have the luxury of time and emotional fortitude, but also sufficient excess capital to be able to fully invest in such a risky asset class to reap the reward that comes with time. The role of hedge funds in the portfolio construction of these investors is explored.
the choice of financial professionals
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Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
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Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
The undeniable global macroeconomic step change warrants a re-think of portfolio construction for the next investment cycle. The regulation of hedge funds presents an additional tool previously not available to the retail investor that can act as a component of greater certainty in a portfolio cognisant of a VUCA world
Everything You Need to Know about Preemptive RightsOurCrowd
Have you been following the growing trend in continuity funds?
Listen to our 30-minute session with OurCrowd Investment Partner David Stark to learn how professional investors use preemptive rights to get further involved in winning companies.
• Get an insider’s view of how to leverage preemptive rights in startup investing
• Understand the basics of continuity funds and review case studies
• Learn how to get involved at a time when companies are staying private longer
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
This is a very appropriate article if you are getting ready to retire and looking for an investment strategy that will preserve your hard earned savings and provide you with an income to last throughout retirement.
the choice of financial professionals
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Financial adviser newsletters
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Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
OurCrowd's Portfolio RESERVE: Making investing easier by putting the investme...OurCrowd
Join Zack Miller and Danna Mann -- executives at OurCrowd, the leading crowdfunding platform for Israeli startups -- for an introduction to OurCrowd's new product, Portfolio RESERVE. Interested investors can use Portfolio RESERVE to make a one-time investment with minimal paperwork to guarantee you never miss an opportunity.
Join us to learn about the Portfolio RESERVE:
You decide how much you'd like to invest in OurCrowd companies
Get automated allocation to future investment opportunities
One time funding, limited paperwork
You retain ability to opt-out of any deal
You'll also have an opportunity to ask questions about our process and startup investing in general.
Kimble Johnson • LPL Financial
- Does your investing suffer from a lack of dimensionality? by Jerry Wagner
- Bright spots on the housing front
- Opening the 401(k) door (Daniel Namey, H. Beck, Inc.)
Russell Luce • Foresters Equity Services
- Slicing the market: An active manager's view of a complex investment world by Ron Rowland
- Recession job losses finally recovered
- Profit with business valuation (Mark Miehe, SII Investments)
Self-Directed Investing by Akhil Lodha, Co-founder of Sliced Investing, and M...Quantopian
In an ideal world an investor has access to a range of investment opportunities that allow her to create a Balanced portfolio based on her risk/return objectives. Unfortunately we don't live an in ideal world and a lot of the investment opportunities have only been available to the Institutional Investor. That trend has started to change as technology and innovation by startups like AngelList, Wealthfront, and Sliced Investing, among others are lowering the barrier to access and allowing more individuals to create a balanced portfolio that meets their investment objectives. In this talk we'll focus on the need for a balanced portfolio, the investing tools for the 'new-age' investor and the future of individual investing.
Quantopian provides this presentation to help people write trading algorithms - it is not intended to provide investment advice.
More specifically, the material is provided for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation or endorsement for any security or strategy, nor does it constitute an offer to provide investment advisory or other services by Quantopian.
In addition, the content neither constitutes investment advice nor offers any opinion with respect to the suitability of any security or any specific investment. Quantopian makes no guarantees as to accuracy or completeness of the views expressed in the website. The views are subject to change, and may have become unreliable for various reasons, including changes in market conditions or economic circumstances.
The changing face of the American Investor: Tools, Advice, and Do It Yourself...OurCrowd
Investing has changed a lot in the past few years. In this presentation, OurCrowd's Zack Miller looks at how technology and the Internet has changed the way we invest and what investing tools are getting popular with U.S. investors.
Henry Kravis at KKR recently said that he wished that he had a dollar for each time anybody said that private equity is dead. I Think Ben Carlson should send him a buck.
The multifamily real estate sector is famous for having outperformed other sectors in the market, especially during the global economic downturn that began in 2007. With fears of another recession on the horizon, this white paper aims to educate readers on the portfolio stability, tax advantages, and passive income benefits which investing in non-traded REITs can bring to investors at any level of their investing careers.
This paper will additionally share economic data and future market predictions from the leading analysts and data houses in the multifamily housing market.
Everything You Need to Know about Preemptive RightsOurCrowd
Have you been following the growing trend in continuity funds?
Listen to our 30-minute session with OurCrowd Investment Partner David Stark to learn how professional investors use preemptive rights to get further involved in winning companies.
• Get an insider’s view of how to leverage preemptive rights in startup investing
• Understand the basics of continuity funds and review case studies
• Learn how to get involved at a time when companies are staying private longer
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
This is a very appropriate article if you are getting ready to retire and looking for an investment strategy that will preserve your hard earned savings and provide you with an income to last throughout retirement.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
OurCrowd's Portfolio RESERVE: Making investing easier by putting the investme...OurCrowd
Join Zack Miller and Danna Mann -- executives at OurCrowd, the leading crowdfunding platform for Israeli startups -- for an introduction to OurCrowd's new product, Portfolio RESERVE. Interested investors can use Portfolio RESERVE to make a one-time investment with minimal paperwork to guarantee you never miss an opportunity.
Join us to learn about the Portfolio RESERVE:
You decide how much you'd like to invest in OurCrowd companies
Get automated allocation to future investment opportunities
One time funding, limited paperwork
You retain ability to opt-out of any deal
You'll also have an opportunity to ask questions about our process and startup investing in general.
Kimble Johnson • LPL Financial
- Does your investing suffer from a lack of dimensionality? by Jerry Wagner
- Bright spots on the housing front
- Opening the 401(k) door (Daniel Namey, H. Beck, Inc.)
Russell Luce • Foresters Equity Services
- Slicing the market: An active manager's view of a complex investment world by Ron Rowland
- Recession job losses finally recovered
- Profit with business valuation (Mark Miehe, SII Investments)
Self-Directed Investing by Akhil Lodha, Co-founder of Sliced Investing, and M...Quantopian
In an ideal world an investor has access to a range of investment opportunities that allow her to create a Balanced portfolio based on her risk/return objectives. Unfortunately we don't live an in ideal world and a lot of the investment opportunities have only been available to the Institutional Investor. That trend has started to change as technology and innovation by startups like AngelList, Wealthfront, and Sliced Investing, among others are lowering the barrier to access and allowing more individuals to create a balanced portfolio that meets their investment objectives. In this talk we'll focus on the need for a balanced portfolio, the investing tools for the 'new-age' investor and the future of individual investing.
Quantopian provides this presentation to help people write trading algorithms - it is not intended to provide investment advice.
More specifically, the material is provided for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation or endorsement for any security or strategy, nor does it constitute an offer to provide investment advisory or other services by Quantopian.
In addition, the content neither constitutes investment advice nor offers any opinion with respect to the suitability of any security or any specific investment. Quantopian makes no guarantees as to accuracy or completeness of the views expressed in the website. The views are subject to change, and may have become unreliable for various reasons, including changes in market conditions or economic circumstances.
The changing face of the American Investor: Tools, Advice, and Do It Yourself...OurCrowd
Investing has changed a lot in the past few years. In this presentation, OurCrowd's Zack Miller looks at how technology and the Internet has changed the way we invest and what investing tools are getting popular with U.S. investors.
Henry Kravis at KKR recently said that he wished that he had a dollar for each time anybody said that private equity is dead. I Think Ben Carlson should send him a buck.
The multifamily real estate sector is famous for having outperformed other sectors in the market, especially during the global economic downturn that began in 2007. With fears of another recession on the horizon, this white paper aims to educate readers on the portfolio stability, tax advantages, and passive income benefits which investing in non-traded REITs can bring to investors at any level of their investing careers.
This paper will additionally share economic data and future market predictions from the leading analysts and data houses in the multifamily housing market.
America is in the grips of a speculative frenzy. Investment .docxgreg1eden90113
A
merica is in the grips of a speculative frenzy. Investment bankers, private investment firms, and even a few dozen recently graduated
MBAs labelling themselves “searchers” are calling, emailing, wining, and dining small business owners. Their goal is to translate prosaic
small businesses into the poetry of private equity.
The great postcrisis private equity gold rush is on, fueled by cheap debt and enthusiastic investors. A lawn care chain might get half a dozen calls
and emails a week from business brokers and “searchers.” A regional bank auctioning off a business with $15 million in profits might pitch two
hundred prospects, receive fifty letters of intent, and take twelve separate private equity firms to management meetings, ending in a sale price
which the majority of bidders considers crazy. And the greatest prize of all—a software company—could sell for many multiples of revenue,
regardless of profitability.
As with the mortgage-backed securities bubble, experts are the promoters and pioneers of an “asset class” that they claim will offer high returns
with low risk, guided by the sage wisdom of elite managers. The legendary leader of Yale University’s endowment, David Swensen, has gone so far
as to call private equity a “superior form of capitalism.”
The experts agree with Swensen. A recent survey of institutional investors found that 49 percent expect private equity (PE) to outperform the
public equity market by a whopping 4 percent per year or more. Another 45 percent believe PE will outperform by 2–4 percent per year. Only 6
percent think returns will be comparable. The survey did not even bother to ask if investors thought PE might underperform. This is particularly
shocking given that data from Cambridge Associates shows that private equity returns have lagged the Russell 2000 index by 1 percent and the
S&P 500 by 1.5 percent per year over the past five years.
This consensus has led institutional investors to flood private markets with capital, about $200 billion per year of new commitments. The result is
soaring prices for private companies of all shapes and sizes. Just before the financial crisis, in 2007, the average purchase price for a PE deal was
8.9x EBITDA (earnings before interest, taxes, depreciation, and amortization—a commonly used measure of cash profitability). Deal prices reached
8.9x again in 2013 and are now up to nearly 11x EBITDA.
But asset prices are going up everywhere. What makes private equity dangerous is the use of debt—and the use of phony accounting to conceal the
riskiness of these leveraged bets. The average PE deal is 65 percent debt financed, and whereas the valuations of public equities are determined by
transparent, liquid public markets, PE firms determine the valuations of their own portfolio companies. Unsurprisingly, they report far lower
volatility than public markets.
This appraisal accounting also encourages lenders to take risks. After the financial crisis, the Fede.
I rarely have a conversation these days where the topic of financing doesn’t arise as a serious concern for my clients. When the economy is robust, and the
capital markets are frothy, financing a commercial real estate transaction is a relatively simple matter. However during today’s recessionary times, the
commercial capital markets are severely constrained. Not only is the supply of capital tight, but the demand may be near all time highs as well. Depending on which industry source you quote there is between $150 and $200 billion dollars of CMBS debt maturing in...
Bond ladders are a valuable retirement planning strategy because of the ability to reinvest the principal from the maturing bond (bottom step) into a longer term bond with a higher yield. The new bond will then become the new top step of your ladder.
FIRST, RUSSIA – UKRAINE AND NOW IT’S ISRAEL –
HAMAS! WHAT IS LYING AHEAD FOR INDIAN MARKET ?
Investment
Gyan Market Indicators
Inspiring Investment Story
Investment products vary in risk, return and duration. So do investor objectives. Successfully matching financial instruments with financial plans takes skill, know how and ability.
Many people tend to over complicate saving and investing. This overabundance of information can sometimes generate so many different answers and opinions that you just give up on the question. You don't need brain surgery to fix a sprained wrist, and you don't need to be a pro to build a diversified portfolio and accumulate wealth. This article shows the benefits and the simplicity of investing in a mutual fund.
A mutual fund is an economic vehicle that pools assets from investors to buy securities like stocks, bonds, money market instruments, and different assets. Mutual funds are operated by professional money managers, who spend the fund’s assets and test to make capital gains or revenue for the fund’s investors.
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Elegant Evergreen Homes - Luxury Apartments Redefining Comfort in Yelahanka, ...JagadishKR1
Experience unmatched luxury at Elegant Evergreen Homes, offering exquisite 2, 3, and 4 BHK apartments in the serene locality of Yelahanka, Bangalore. These meticulously crafted homes blend modern design with timeless elegance, providing a harmonious living environment. Enjoy top-tier amenities and a prime location, making Elegant Evergreen Homes the ideal choice for discerning homeowners.
Flat available for sale
Location- Tupudana, Ranchi
Savitri enclave
Area- 3BHK
Rate- 4000/sq.ft.
Super Build Up Area-1629 sq.ft.
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Rate- 65lakh16k(approx)
Floor available- Flat available in all floor(G+12)
Balcony- 2
Washroom- 2
Parking - CAR PARKING
Amenities- Joggers track,temple, children's park,gym,banquet hall (5 Lakh)
Possession year (Handover year)- Dec 2025
Outside View from the apartment and flat balcony is very beautiful.
For more information contact AASHIYANA STAR PROPERTIES
7766900371
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus o...Joseph Lewis Aguirre
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus on Public Safety as Job #1, Engagement, Wealth of HOA, Branding, Communication, Culture, Civic Responsibility
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
Green Homes, Islamabad Presentation .pdfticktoktips
Green Homes Islamabad offers beautifully designed 5, 8, and 10 Marla homes near the airport and motorway. Enjoy luxury, convenience, and high rental returns in a prime location.
Keep Your Home Naturally Cool and Warm Out Change in Seasons
Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
Vinra Construction Tech Enabled Company for Eco-Friendly Home Construction
Contact With Vinra for a Greener Future >>> Call us @ 888 4898 765
Rixos Tersane Istanbul Residences Brochure_May2024_ENG.pdfListing Turkey
Tersane Suites Residences is a luxurious real estate project located in the heart of Istanbul, next to the beautiful Golden Horn. This unique development offers hotel concept residences with Rixos management, making it the perfect choice for both homeowners and investors.
The Tersane Suites Residences offers a wide range of options, from studio apartments to spacious four-bedroom units, all designed to the highest standard. The suites are finished with high-quality materials and feature modern, open-plan living spaces, fully-equipped kitchens, and large balconies with stunning views of the city and sea.
One of the standout features of Tersane Suites Residences is the Rixos management, which provides a truly exclusive and upscale living experience. Residents will have access to a range of luxury amenities, including a fitness center, spa, and indoor and outdoor swimming pools. Plus, the on-site restaurants and cafes provide a taste of the local and international cuisine.
The Tersane Suites Residences also offers a great opportunity for investors, as it provides a rental guarantee program. This means that investors can enjoy a steady income stream, with the peace of mind that their property is being managed by a reputable and experienced team.
The location of Tersane Suites Residences is also unbeatable, with easy access to the city’s main transportation links and within close proximity to the historic center, making it the perfect base for exploring all that Istanbul has to offer.
MC Heights-Best Construction Company in jhanglaraibfatim009
MC Heights stands as the epitome of excellence in construction within Jhang. With a commitment to unparalleled quality and innovative design, MC Heights redefines urban living in the heart of Jhang. Offering luxurious residential spaces, cutting-edge commercial complexes, and vibrant community areas, MC Heights caters to the diverse needs of modern lifestyles. Our dedication to superior craftsmanship and customer satisfaction ensures that every aspect of MC Heights exceeds expectations, making it the premier choice for those seeking unparalleled sophistication and comfort in Jhang.
Avrupa Konutlari Yenimahalle - Listing TurkeyListing Turkey
Welcome to Avrupa Konutları Yenimahalle, where luxury living meets unparalleled convenience in the heart of Istanbul. Developed by Artaş Holding, one of Turkey’s leading construction companies, this prestigious residential project offers a contemporary lifestyle experience like no other.
https://listingturkey.com/property/avrupa-konutlari-yenimahalle/
BricknBolt Understanding Load-Bearing Walls and Their Structural Support in H...BrickAndBolt
Load-bearing walls are the backbone of any home construction, providing crucial structural support that carries the weight of the house above. For companies like Brick and Bolt Mysore and Bricknbolt Faridabad, understanding and properly implementing these elements are key to constructing safe and durable buildings.
One FNG by Group 108 Sector 142 Noida Construction UpdateOne FNG
One FNG by Group 108 is launching a new commercial project in Sector 142 Noida. Office space and high street retail shops on the FNG and Noida Expressway. For more information visit the website https://www.onefng.com/
Urbanrise Paradise on Earth - Unveiling Unprecedented Luxury in Exquisite Vil...JagadishKR1
Immerse yourself in the epitome of luxury living at Urbanrise Paradise on Earth. These opulent 4 BHK villas, nestled off the prestigious Kanakapura Road in Bangalore, redefine elegance and sophistication. With meticulous craftsmanship, breathtaking design, and unparalleled amenities, Urbanrise Paradise on Earth offers a sanctuary where every moment is infused with luxury and serenity. Experience a life of grandeur and indulgence at this exclusive residential enclave.
Torun Center Residences Istanbul - Listing TurkeyListing Turkey
THERE IS LIFE IN ITS CENTER!
The most energetic spot of the city that will add utterly different pleasures to your life, with a park that will make Istanbul breathe, delighting indoor and outdoor bistros, cafes, restaurants, the brand-new Food Hall concept, where dozens of unique tastes are served together, market area, cinema, theater, fitness club, SPA and event venue...
All the pleasures that will enrich your lives are awaiting you on the most beautiful side of the city, at Torun Center Residences. In Mecidiyeköy, where the heart of Istanbul beats, business, life and entertainment opportunities are located at the exact center, at Torun Center, the most beautiful side of the city.
Penthouse apartments and different styles of flats from 1 + 1 to 4 + 1, from 100 to 425 square meters in a 42-story residence tower, have been designed for those who want to live in the center of magnificence. Torun Center is the redefinition of a better life with specially landscaped floor gardens, apartment options with private balconies, and automatic glass systems equipped with Trickle Ventilation that offers clean air comfort.
Business and life in the same place
Excellent service
Torun Center has many delightful details, from a swimming pool to sunbathing and resting terrace. With 24/7 concierge services, 24/7 security, valet, technical service, closed-circuit camera system (CCTV), central heating and cooling system, it makes your life easier.
Delightful details
The two-story Torun Center Lounge, with its indoor and outdoor seating areas, children's playroom, private dining and TV lounge, promises unforgettable memories to you and your loved ones with its unique Istanbul view.
Neighboring to the most pleasant square of Istanbul
A few steps from the Torun Center Residences, you can reach the city's most modern city square and open the doors of a quality city life. Torun Center Residences brings together on the same project the long-awaited city life for Istanbul and gourmet restaurants, cafes, gym and SPA, and state-of-the-art cinema and Artı Stage, hosting the most famous plays of the season.
Located at the intersection of alternative public transportation options such as the metro and Metrobus, Torun Center comes to the fore as the most accessible office for both sides of Istanbul. With a central location and rich transportation lines, Torun Center offices make life easier for employees and increase productivity.
Referans Bahcesehir which is being constructed, in the center of the most regional destination as Bahçeşehir, shines out with its central location and unique landscape including social facilities such as a fitness center, sauna, sports facilities, children’s playground and recreational areas.
Not only drawing attention for immediate surroundings including commercial centers and private schools but also providing the easily accessible location with closeness to Tem Highway and connection roads, ongoing construction of 3rd Bridge Connection roads and Metro Projects
Bahcesehir is a rising value in the great city of Istanbul… Located at a new transportation junction in the northwest of the City… Located at such a spot that the access roads for the 3rd bridge and for the 3rd Airport will reach the region in 2016. The Marmaray and the Subway will extend all the way to Referans Bahcesehir respectively in 2018 and 2019.
465 flats and 34 stores are designed with an outstanding approach and arranged with a unique perspective offering the following options: 1 plus 1, 2 plus 1, 3 plus 1, 3.5 plus 1, 4 plus 1, and 4.5 plus 1. It is planned so as to safeguard you and your loved ones based upon a modern, technological safety approach. As you experience the joy and luxury here, you will be content and feet at ease.
It is worth seeing both inside and outside with heart-warming cafes, tasty restaurants and elegant stores… And it is ready to offer a vivacious social life with a warm and cozy space design.
A folding swimming pool and indoor swimming pools, playgrounds, Turkish bath, sauna… It has them all. Everything you need for your well-being and for having a pleasant time will be at your service. You simply need to align the rhythm of life with the rhythm of Referans Bahcesehir.
https://listingturkey.com/property/referans-bahcesehir/
1. MONEY APRIL 2017 65
individuals aren’t unduly disadvantaged by being
liable for the full amount, which can compromise their
serviceability on any additional loans.
To avoid uncertainty around when to sell a property
that’s co-owned by two or more investors, another
avenue Nash suggests millennials explore is using the
value of another property (typically the family home)
as security for borrowing.
If that isn’t an option, he suggests assessing the
viability of purchasing property on a deposit of just
5%. “The more you borrow in relation to the value of
the property purchased, the more important it is to
crunchnumbersandseekgoodadvicetomanagerisk.”
Creative clients of Wayne Leggett, at Paramount
Financial Services Group, built a granny flat on the
property for themselves and transferred the title,
without money changing hands, to their daughter, who
moved into the main house.
Thebeautyofthegrannyflatsittingonthesametitle
is that there are no tax issues, says Leggett. “We also
had a retired couple who downsized by swapping their
family home with their son’s investment property.”
Get a foot in
the door
You don’t
need buckets
of cash to
buy into
the market
G
iven that most Australians only ever
ownoneinvestmentproperty,therisks
of buying at the wrong time and in the
wronglocationaresignificantlyhigher
thaniftheyhadgreaterdiversification.
That’swhyowningasmallerpieceofoneormorequal-
itypropertyinvestmentssuccessfullyavoidsputtingall
your eggs in one basket.
Thegoodnewsistherearemanyaffordablealternatives
tostumpingupwitha20%depositforasingleproperty,
whichbasedonmedianhousepricesisbetween$100,000
in Adelaide and $224,000 in Sydney.
Shared approach
Co-investing in residential property with some mates
is increasingly common for millennials who want to
get onto the property ladder. To reduce some of the
complexities whenever two or more borrowers are
involved, some banks now offer products that isolate
each portion of the loan.
Oneoftheaddedbenefitsofapportioningmortgages
into segments, says Ben Nash, of Pivot Wealth, is that
STORY
MARK STORY
MICRO-INVESTING PROPERTY
2. 66 MONEY APRIL 2017 MONEY APRIL 2017 67
Property ETF (MVA) and SPDR S&P/ASX
200 Listed Property Fund (SLF).
Added benefits of investing in residential
propertythroughthesesharemarketoptions
are the low cost of buying and the dividend
payments many stocks offer, with an aver-
age 6% yield being significantly higher than
yieldsfrompropertyrental.Thenthere’sthe
minimal capital requirement, with investors
able to buy a parcel of shares with as little as
$500. Also adding to your after-tax position
is dividend imputation (franking credits),
which is another tax benefit exclusive to
investing in shares.
Aswithproperty,sharesasanassetclassare
traditionallyregardedaslong-terminvestments.
However, they provide better liquidity, and
you can turn shares back into cash by selling
at any time on the ASX.
Another compelling reason for investing
in residential property via the sharemarket
is the potential for capital growth, combined
with the power of compounding returns.
While different asset classes perform better
atdifferenttimes,researchbyGoldmanSachs
reveals that shares repeatedly outperform
other key asset classes over the long-term.
Contributory secured
first mortgages
Taking a diametrically different approach to
investinginpropertyviasharesarecontribu-
torysecuredfirstmortgages(CSFM)covering
commercial,industrialandresidentialproperty.
Theseinvestmentsaredesignedtoprovide
an attractive yield, without capital growth
exposure,relativetotermdepositsandmini-
mal default risk over one to three years. For
example, while term deposits are currently
paying under 3% CSFMs will pay between
5.5% and 7.5%.
ChrisMorcom,privateclientadviseratHewison
PrivateWealth,saystheseinvestments spread
investor exposure over different mortgages,
with a maximum allocation of $250,000.
He says two key benefits of investing a
minimum$20,000inacontributorymortgage
fundproviderare,first,incomestability,with
monthly interest income providing a high
degree of cash flow certainty; and, second,
capital stability, with each investment (or
syndicate fund) secured by a registered first
mortgage over real property assets.
However,hesaysinvestorsmustrecognise
that any inability of the borrower to repay,
due to any fall in value, could put some of
their capital at risk. “These investments
generally aren’t liquid and if they go into
default,investorswon’tbeabletoaccesstheir
money until this is rectified,” he warns. “So
suitability could depend on your time frame
and need for access to capital.”
Property syndicates
WhiletheylostfavourduringtheGFC,espe-
cially after the collapse of Centro Properties
andOctaviar,commercialpropertysyndicates
andunlistedtrustswithpredominantlyindus-
trialandretailassetsarestillbeingmanaged
by the likes of AMP, Charter Hall, Centuria
and Australian Unity.
Residentialbuy-and-holdsyndicatesremain
limited, courtesy of low yields and investor
returns.Meanwhile,dueinparttofundcosts,
residentialdevelopmentsyndicatesaremore
prevalent, and tend to be two- to four-year
projects for apartments or longer for land
subdivisions.
For example, the Silk Oak Fund offered
by Momentum Wealth successfully raised
$6.5 million from investors to acquire three
neighbouring lots in two off-market trans-
actions. Currently in the planning process,
this 40-apartment development syndicate
is predicted to deliver returns of between
50% and 60%.
Therearenewresidentialsyndicateoppor-
tunities like the Silk Oak Fund opening up
all the time. However, Momentum Wealth’s
Damian Collins says they tend to suit inves-
tors with a reasonable amount of wealth as
the minimum investment can be anywhere
between $50,000 and $100,000.
“Syndicatescangiveinvestorsexposureto
muchlarger,higher-qualityassetsdelivering
betterreturnsatmorepalatablepricepoints,”
hesays.“Equallybeneficial,syndicatorsshould
betterunderstandtheimpactofallassociated
fees and management costs.”
While fees charged by syndicator/fund
managers vary significantly, Momentum
Wealthtypicallychargesaresearch,acquisi-
tion and due diligence fee (about 3%-5% of
the site purchase price), a debt sourcing fee
(about 1% of the debt raised) and a tender-
ing and project management fee where the
property is developed (typically around 3%
of the project value).
Collinssaysexpectedratesofreturnquoted
by syndicators is after all fees have been
paid by the trust.
Risks and complexities
Whilemicro-investinginthepropertymarket
has its merits, Leggett recommends those
savingtobuytheirownpropertyavoidcapital
risk by sidestepping growth assets.
Butifyou’restillkeenaboutmicro-investing
into property, Nash reminds investors to
clearly understand the complexities of each
investment vehicle. The product disclosure
statementshouldclearlyspelloutallthefees
andhowlimitedliquiditycoulddelayconvert-
ing your investment back into cash, he says.
“Ifyou’replanningtoinvest$15,000you’ve
saved for a future mortgage, ask yourself
whether you really want to risk losing some
or possibly the lot,” he says. “While a lot of
peoplearetryingtofind‘sexy’waystoinvest
smaller amounts into property, super funds
remain a reliable option with tax benefits as
part of a broader strategy.” M
ASX-listed stocks
If crowd-funding investment platforms don’t appeal,
anotherwaytomicro-investintheresidentialproperty
marketisthroughtheASX.There’snoshortageofstocks
directly exposed to the residential property market.
Some of these are “pure-play” property stocks with
thebulkoftheirearningswireddirectlytodevelopment
of residential property including AV Jennings (AVJ),
Tamawood (TWD) and Devine (DVN).
By comparison, Australian real estate investment
trusts (A-REITs) are quite different beasts and include
stockssuchasAspen(APZ),Stockland(SGP)andMirvac
(MGR). A-REITs typically make money by buying
residential, commercial and/or industrial assets at
a discount to their net asset backing (NTA) and selling
them at a premium.
While A-REITs display the same characteristics
as property, Leggett says they’re also exposed to the
underlying risks associated with owning shares.
It’s also possible to invest in a diversified portfolio
of A-REITs via ASX-listed exchange traded funds
(ETFs). Saving you from having to be a stock picker,
ETFs typically capture the performance of an index,
including the largest, most liquid of the A-REITs listed
on the ASX.
Admittedly, the fortunes of any index can bounce up
and down. But in addition to offering cheap underlying
exposuretotheperformanceofanindex,ETFsalsohave
attractive tax benefits, relative to managed funds, plus
distributable income and franking credits. Examples
of A-REIT ETFs include VanEck Vectors Australian
Fractional funds
Among the options for micro-investing in residential
property are fractional property funds such as BrickX
and DomaCom. Operating like unit trusts, these funds
herald a new era for cash-strapped investors who have
eitherbeenlockedoutofthepropertymarketorsimply
prefertoinvestinmultiplepropertiesinmoreaffordable,
diversified and accessible ways.
Fractionalpropertyinvestmentstakepropertyassets
and parcel them into small bits. For example, in the
case of BrickX, a property is broken down into 10,000
“bricks” with an initial cost of around $100 each. As
soonaspropertyassetshavebeenpurchasedbyBrickX,
investors get their share of the rent.
They also receive their share of capital gains once
the property is sold or when they on-sell their bricks.
On-sellingdependsonhowfluidthesecondarymarket
is, so check this out before buying. Interestingly, the
average time taken to sell bricks in December was
26 hours.
According to Anthony Millet, chief executive of
BrickX, 50% of its investors are under the age of 35,
with many using the platform to save for a deposit. As
well as the choice and control provided by choosing
which properties to invest in, Millet says the ability
to exit without selling the whole property resonates
with all investors.
Based on fees of 1.75% on entry and 1.75% on exit,
Millet says investors have the certainty of knowing the
same fee applies for one month or 10 years.
Admittedly, past performance is no proxy on future
results. Yet capital growth and rental returns from
the Sydney and Melbourne suburbs available on the
BrickX website have achieved up to 19% annually.
“When compared with our total 3.5% fee, BrickX is
a very plausible way to get into Australia’s residential
property market,” says Millet.
In the meantime, while rival firm DomaCom has
acquired 40 properties on behalf of investors and
currently has another 30 book builds there were no
secondarymarketunitsavailableatthetimeofwriting.
However, as DomaCom acquires more properties
and unitholder numbers grow, it expects units will
become available as people look to exit their invest-
ment. Assuming there are buyers, DomaCom investors
can sell some or all of their units through an online
liquidity facility.
To make it easier for investors to dip their toes in its
advanced crowdfunding investment platform, Doma-
Com has dropped its minimum initial investment to
$2500. It charges an annual platform fee of 0.88% on
the value of the property, with property management
fees coming out of gross rental yield.
Instead of participating in one of its bookbuilds,
investors can also buy the listed entity responsible for
managing the DomaCom Fund (ASX: DCL).
‘
Apropertyisbrokendowninto10,000
‘bricks’costingaround$100each
PROPERTY MICRO-INVESTING