A Few Interesting Investment Ideas
By Vivian Nagel, MCSI
In a departure from my usual articles, I have, due to demand, concentrated on what funds are available today; either new launches or ones of interest to the investor.
Capital Protection for the cautious investor
Your investment is split into two, with 50% of your monies deposited in a 1 year fixed bank account paying 5%. At the end of the year you will receive your capital and interest back. Penalties will be levied if you choose to redeem this portion prior to the anniversary.
The remaining 50% of your monies are placed into an investment which will enjoy 75% of any growth over 5 years in
FTSE 100 for Sterling investors
S&P 500 for USD investors
DJ Eurostoxx 50 for Euro investors
This portion also carries a capital guarantee by the issuer.
There are no costs to buy this investment but you may not receive the amount you put in should you wish to redeem earlier than the 5 year term.
Partially Guaranteed Products for the more adventurous Investor
China/Brazil
Available in USD or Euro with a 5 Year term with the potential to mature early on any anniversary date
The investment is linked to the performance of the Hang Seng China Enterprise Index and the iShares MSCI Brazil Index
At the end of the first year (the anniversary), if the price of both indices are above that of the strike price then the investment will close and payout the 12% (USD) 11% (Euro) annual coupon plus the capital.
If the levels of the indices are below the strike price then the investment continues until the 2nd anniversary. If at that time the indices levels are above that of the strike price then the investment will close and payout 2 years worth of coupon 24% plus the capital and so on each year until the final anniversary where the investment will payout 5 years worth of coupon (60%) plus the original capital, if at that time the levels of both indices are above the initial strike price.
If for any reason the investment has not already paid out and it goes all the way to the end of the 5th year without being above the initial levels then the investment will close and payout your capital. Unless either of the indices have fallen by more than 50% from their strike price, then in this instance you would get less than you put in. the amount would depend upon how much the indices have fallen.
In addition to the above the investment has a secondary market where the investment can be sold at any time during the life of the investment not just at an anniversary, the only time you would probably wish to do this is if markets rise quickly from the start date and you may make a capital gain in say 3 months.
Capital will returned in full at maturity, providing that the Final Level of each Index is not more than 50% below its Opening Level
Commodity
Available in GBP with a 4 Year term with the potential to mature early on any anniversary date
The investment is linked to the performance of the S&P GSCI Indices on Oil, Gold and Wheat
Each quarter the investment will pay out 2% provided that none of the 3 indices have fallen by more than 38%. If in any quarter the indices levels are above that of the strike price then the investment will close and payout coupon and capital. If for any reason the investment has not already paid out and it goes all the way to the end of the 4th year without being above the initial levels then the investment will close and payout your capital plus the coupons along the way, unless any of the indices have fallen by more than 38% from their strike price, then in this instance you may get less than you put in. The amount would depend upon how much the indices have fallen.
Non Protected Funds for the cautious investor
In addition to the above there are funds available in GBP, USD and Euro which historically do not reflect the movements of stock markets and other traditional asset classes. These include Student Accommodation Funds, Ground Rents Funds and ‘Green’ funds as well as other non traditional asset classes. Typically these funds have been returning between 6 & 10% depending on the base currency.
If you would like to learn more about how the above investments may compliment your portfolio please contact me.
Mrs. Vivian Nagel, MCSI
Hollingsworth International Financial Services Limited,
Mobile 99579149
Fax: + 356 21316299
Email: Viviann@hollingsworth-int.comWebsite: http://www.hollingsworth.eu.com.com/
Licensed by the Malta Financial Services Authority to provide Investment Services under the Investment Services Act 1994. License No. IS/ 32457
By Vivian Nagel, MCSI
In a departure from my usual articles, I have, due to demand, concentrated on what funds are available today; either new launches or ones of interest to the investor.
Capital Protection for the cautious investor
Your investment is split into two, with 50% of your monies deposited in a 1 year fixed bank account paying 5%. At the end of the year you will receive your capital and interest back. Penalties will be levied if you choose to redeem this portion prior to the anniversary.
The remaining 50% of your monies are placed into an investment which will enjoy 75% of any growth over 5 years in
FTSE 100 for Sterling investors
S&P 500 for USD investors
DJ Eurostoxx 50 for Euro investors
This portion also carries a capital guarantee by the issuer.
There are no costs to buy this investment but you may not receive the amount you put in should you wish to redeem earlier than the 5 year term.
Partially Guaranteed Products for the more adventurous Investor
China/Brazil
Available in USD or Euro with a 5 Year term with the potential to mature early on any anniversary date
The investment is linked to the performance of the Hang Seng China Enterprise Index and the iShares MSCI Brazil Index
At the end of the first year (the anniversary), if the price of both indices are above that of the strike price then the investment will close and payout the 12% (USD) 11% (Euro) annual coupon plus the capital.
If the levels of the indices are below the strike price then the investment continues until the 2nd anniversary. If at that time the indices levels are above that of the strike price then the investment will close and payout 2 years worth of coupon 24% plus the capital and so on each year until the final anniversary where the investment will payout 5 years worth of coupon (60%) plus the original capital, if at that time the levels of both indices are above the initial strike price.
If for any reason the investment has not already paid out and it goes all the way to the end of the 5th year without being above the initial levels then the investment will close and payout your capital. Unless either of the indices have fallen by more than 50% from their strike price, then in this instance you would get less than you put in. the amount would depend upon how much the indices have fallen.
In addition to the above the investment has a secondary market where the investment can be sold at any time during the life of the investment not just at an anniversary, the only time you would probably wish to do this is if markets rise quickly from the start date and you may make a capital gain in say 3 months.
Capital will returned in full at maturity, providing that the Final Level of each Index is not more than 50% below its Opening Level
Commodity
Available in GBP with a 4 Year term with the potential to mature early on any anniversary date
The investment is linked to the performance of the S&P GSCI Indices on Oil, Gold and Wheat
Each quarter the investment will pay out 2% provided that none of the 3 indices have fallen by more than 38%. If in any quarter the indices levels are above that of the strike price then the investment will close and payout coupon and capital. If for any reason the investment has not already paid out and it goes all the way to the end of the 4th year without being above the initial levels then the investment will close and payout your capital plus the coupons along the way, unless any of the indices have fallen by more than 38% from their strike price, then in this instance you may get less than you put in. The amount would depend upon how much the indices have fallen.
Non Protected Funds for the cautious investor
In addition to the above there are funds available in GBP, USD and Euro which historically do not reflect the movements of stock markets and other traditional asset classes. These include Student Accommodation Funds, Ground Rents Funds and ‘Green’ funds as well as other non traditional asset classes. Typically these funds have been returning between 6 & 10% depending on the base currency.
If you would like to learn more about how the above investments may compliment your portfolio please contact me.
Mrs. Vivian Nagel, MCSI
Hollingsworth International Financial Services Limited,
Mobile 99579149
Fax: + 356 21316299
Email: Viviann@hollingsworth-int.comWebsite: http://www.hollingsworth.eu.com.com/
Licensed by the Malta Financial Services Authority to provide Investment Services under the Investment Services Act 1994. License No. IS/ 32457
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