Investment Recommendations

We are currently recommending a range of investments that offer either fixed or highly predictable returns of between 7 & 12% per annum with Capital protection.In addition, we recommend a variety of investments with guaranteed values at maturity.

It is normally prudent to spread the investment across various investments/strategies and build up a portfolio that is consistent with the individual’s risk profile and circumstances.The background to this is the volatility in the equity markets at present which is set to continue for quite some time and it would be a good idea to diversify in to more secure asset classes.

Please see the following descriptions of certain funds that we are currently recommending:

Dolphin Capital

1. This is a substantial German residential property fund with particularly attractive terms.
2. The fund specialises in developing listed buildings and sales to higher tax payers who can obtain tax relief for buying listed properties.

Key Points

• A fixed return of 10% per annum with additional bonuses after 2 or 5 years.
• The gross return over 5 years is therefore 12% per annum.
• Investor Funds are fully secured with a First Charge against the properties.
• The investment has an impressive credit rating.
• No initial or annual management charges

Tritax Property Income Fund

1. Tritax are a fully UK FCA authorised asset manager with 20 years track record and over £1.75B AUM. 
2. The Tritax Property Income Fund (TPIF) is the groups next project, following on from the hugely successful Big Box REIT.
3. TPIF invests in income producing, commercial real estate in the UK, leased to blue chip clients on long leases of 10 years+.
4. Tritax has raised £115M from UK institution’s so far and retail share class are now available. The Fund launches with £150M invested.

Key Points

• Up to 25% of the fund sits in cash, near cash, REITS and Tritax Big Box REIT – A FTSE 250 listed vehicle trading daily on the London Stock Exchange main market
• No more than 25% gearing – This is written into the prospectus
• Income paid quarterly – Target 5% PA net
• Target IRR 7% PA net
• $, €, £ - hedged
• 100% allocation
• No initial charges. Redemption penalties of 5,4,3,2,1% reducing over the first 5 years. Nil thereafter.

The Stonehedge CS Snowball Income fund

1. Stonehedge Partners is a recognized and reputable provider of Structured Products.
2. These are generally linked to a combination of stock market indices and provide investors with a fixed return and high protection of capital.
3. They have various current offerings that we can include in your portfolio.

Key Points:

• A very attractive low risk method of investing.
• Fixed returns
• Capital protection
• Liquidity when required.  
• The CS Snowball Income Fund is a low risk investment whereby the capital is totally protected unless the three selected indices fall below 60% of their current level.
• The income is 7% per annum and can be rolled up for capital growth.
• No initial or annual charges

JOOL Capital

1. JOOL Capital Partner AB is a financial company that structures and markets financial products focusing mainly on corporate bonds and fixed income investments. JOOL is fully licensed and regulated. Through its subsidiary company JOOL Markets AS authorisation acts as an investment firm in Norway, Sweden, Finland and Germany through cross border licences.
2. JOOL is a market leader in the Nordic corporate bond market within the SEK 30–350 million segment where it helps companies develop their business and investors receive an attractive return on invested capital. The Bonds usually feature interest rates between 8-11% p.a.
3. JOOL’s bridge loan is a short-term loan from investors to the company and works as a temporary source of funding until a longer-term financing solution is in place, such as a corporate bond. The bridge loans structure usually has a duration of 3-12 months and an interest rate of 4-10% over the duration period. At maturity, the holders of bridge loans can opt to convert the loan into a subsequent corporate bond or to receive repayment of the invested capital and interest.

Key Points

• Average interest per investment is 10.6% p.a.
• Average Duration is 16 months
• Total bonds and bridge loans issued is over 3.5 Billion SEK since 2012.
• With zero defaults

Aliquot Gold Bullion

Why invest in Aliquot Gold Bullion?

1. The production cost for an ounce of gold is estimated to be in the $1200 range
2. There is a strong correlation between gold prices and the increase in money supply.
3. Gold can be your hedge against inflation and the devaluation of money
4. Gold is a ‘safe-haven’ asset in times of economic and geopolitical uncertainty
5. Rising demand from emerging market countries will continue to keep gold prices buoyant over the next decade
6. Gold is uncorrelated with other asset classes, providing diversification and increasing the efficient frontier of your portfolio

Key Points

• Aims to provide 100% unleveraged, direct exposure to physical gold bullion
• No equity exposure and no corporate risk, the Fund only holds the physical metal
• Custody of the physical metal is maintained by Barclays Capital
• Daily liquidity
• Available in USD, EUR and GBP
• No initial charges. Redemption penalties of 5,4,3,2,1% reducing over the first 5 years. Nil thereafter.

Vallea Fund

1. The Vallea Fund seeks relatively low risk-adjusted returns; targeting returns of 7% to 10% per annum (net of all charges). 
2. The investment strategy is true Global Multi-Asset, equity, bonds, indices, fixed income and government debt.
3. 100% liquid securities and investment products with a focus on western European markets.
4. Vallea Capital uses a combination of top-down global macro analysis with bottom-up security selection to identify attractive investment opportunities. 
5. The Vallea Fund’s strategy is unique and has benefited from its ability to switch between asset classes during tumultuous times.
6. To date, Vallea Fund has been available exclusively to institutional investors, however, a retail share class is now available to private investors.

Key Points

• Vallea Fund only invests in highly liquid assets, namely equity indices, large and midcap equities, actively traded corporate bonds, and government debt.
• Vallea Fund can liquidate the entire portfolio and go to cash ahead of risky market events, e.g. Fed announcements, major elections, etc.  This ability to take risk off the table ahead of these events provides maximum flexibility in uncertain markets.
• Since inception in September 2008, Vallea Fund’s annual performance has averaged 18.80% with extremely low volatility, and producing positive returns in both 2008 and 2009.
• Vallea Fund’s managers has extensive knowledge of global capital markets, and has proven its ability to generate alpha during both trending and uncertain markets whilst protecting capital.

Castlestone Low Volatility Fund

1. The Castlestone Low Volatility Fund seeks to track the investment results of an index composed of U.S. equities that, in the aggregate, have lower volatility characteristics relative to the broader U.S. equity market.
2. The Exposure to U.S. stocks with potentially less risk may help reduce losses during declining markets while still experiencing gains during rising markets.
3. The fund will seek to minimize the market's peaks and valleys and enhance returns by using options overlay strategy

Key Points

• Gives exposure to USA equities with potentially less market risk.
• Historically, Min Vol equities have declined less than the market during market downturns.
• Adding Low Volatility reduces risk by 50% and improves Returns.
• This Fund should be considered a core position in a portfolio.

Premier Principal Protection Plus

A lump sum international investment that offers clients the opportunity for stock market growth without downside risk i.e. 100% capital guaranteed.

Premier Principal Protection Plus is an investment plan with index options that links the returns to the values of the world’s major stock market indices, while offering a principal protection benefit of 100% of the initial contribution at plan maturity. The minimum investment required to open the plan is $75,000*, with plan terms of 5, 7, or 10 years.

Key Points:

Principal Protection: receive 100% of the initial contribution at plan maturity (net of any administration charges) no matter the market conditions.

Loyalty Bonus of:

• Investment Index Choices

For maximum diversification across the globe, select up to five (5) internationally recognized stock market indices:  S&P 500 ($€£) | S&P Asia 50 ($€) | EURO STOXX 50 ($€£) | MSCI Emerging Markets IMI ($€£) | MSCI ACWI IMI ($) | FTSE 100 (£) | MSCI EAFE (€) | MSCI World (£)

Custodian Life

We normally recommend investment in these funds via Custodian Life, a Bermuda based International life company, that has particularly attractive terms i.e. lower charges and a broader, virtually unrestricted, range of investments allowed within their Exclusive Investment Bond. The EIB provides investors with a highly tax efficient and secure platform for their investments.