Investing in your future!
It comes as no great surprise that in order to secure your financial future you must invest.
By using your money and putting it to work as capital you can, in a relatively short space of time, grow a second income or secure an income for when the time comes to slow down and enjoy life.
If you are simply relying on your current income and pension pot you are setting yourself up for huge problems further down the line…
In fact in today’s market, a £100,000 pension pot would give an annual income of just £5,320!*
And it is no wonder as annuity rates have fallen by more than 20 per cent since the start of the financial crisis in 2008.
But investing can be risky!
Its true investing can be risky but there are many ways in which you can mitigate that risk to reduce it as much as possible and by not taking things into your own hands, securing the financial future you want you could be taking a far bigger risk!
One of the best ways is to invest with knowledge, whether it is your own or someone else’s.
You will never be able to remove all of the risk from an investment, the trick is to use knowledge to find an investment that suits the amount of risk you are willing to take as an individual whilst giving you the opportunity to create the return needed to sustain the lifestyle you want or need.
The 3 golden rules…
The good news is regardless of the investment there are some golden rules for you to follow to minimise your risk, which are:
• Find an asset you can purchase at BMV! BMV stands for below market value, and by finding an asset with a genuine discount you can make a return on your investment on the very first day. This is an important rule to minimising risk as it provides you with a safety buffer – the asset would have to decrease in value past the amount of discount you have received before your money is at risk!
• Focus on a growing and established market! As obvious as it sounds, you want to make sure your money is placed in asset classes that is growing over time to provide you with a return.
• Find a good cashflow! The best investments can provide you with a monthly cashflow whilst still growing in value. This is a vital step otherwise your money is completely tied up until the investment comes into fruition. A cashflow provides a way to release your original investment over a shorter period of time allowing you to re-invest and grow your portfolio at a much quicker rate.
By following these three golden rules you can minimise your risk whilst optimising your ability to become financially free, owning assets that pay you a regular income.
Is there such an investment?
The truth is that many investments don’t fit the golden rules, which is why many pension plans and investments are failing to perform in today’s market.
BUT the good news is that here at Positive Plus we have been able to identify some of the best opportunities which fit these criteria exactly!
Some of our opportunities can even allow you to leverage finance in order to secure a much more valuable asset, meaning far bigger returns for YOU!
But as you know we like to do things a little differently to make sure the investments we have to offer are some of the best on the market. Which is why with some of our opportunities, when leveraging finance, you can even receive a guarantee that the finance will be serviced (paid for) by the investment itself… meaning far less actual capital required and a healthier monthly cashflow for YOU!
A huge Positive Plus advantage in today’s property market place!
So let’s take a look at one of these investments and what it could mean to you…
The 100% finance option offered by the developer is attractive for investors looking to start and or add to their current investment portfolio. Positive Plus have established a close working relationship with a number of fully authorised firms in order to offer the flexibility needed by investors.
An example of an investor using the finance option relates to a studio suite purchase in the Buccament Bay resort, St. Vincent in January 2010.
The purchase price was £125,000 which required £37,500 to be paid as the 30% deposit.
We organised an advisor to discuss the various options and proceeded to apply for the funds.
The loan was offered and loan paperwork presented to the developer for approval, the loan offered was at 5.39% (APR) and since completing the contracts on the property the investor receives the equivalent loan amount paid directly to them every month. This will continue until the formal completion stage which in this case is estimated to by December 2013.
If you would like to find out more about investing or would just like a chat about wealth creation then please use our contact form on the left or our contact page and we will be happy to arrange a time to chat!
*From The Daily Mail 11th August 2012