DAJK Group
  • About
  • Project Funding
  • Financial Services & Asset Management
  • Net Lease Investment
  • Business Finance & Development
  • Consultant & Concierge Services
  • Investment & Business Resources
  • GEP Blog
  • GEP Blog2
  • Business Principles
  • Contact

You Will Get Rejected — How You Handle It Will Make You Successful​

Top 5 Investment Assets with the Highest ROI

7/2/2023

0 Comments

 
Picture
​Investing in various assets can be an effective way to grow your wealth and achieve financial goals. However, it's crucial to choose investment assets wisely based on their potential returns and your individual risk tolerance. In this article, we will explore the top five investment assets known for generating high rates of return in the last five years.
Here are the top 5 investment assets that can generate the highest rate of return:
  1. Stocks. Stocks are shares of ownership in a company. When you buy stocks, you are essentially buying a piece of the company. Stocks have the potential to generate high returns, but they also come with the risk of losing money. The average annualized ROI in the last five years is 12%.
  2. Commercial Real Estate Net Lease (“CRE-NNN”). Commercial Real Estate Net Lease can be a great way to build wealth over time. The value of CRE-NNN portfolio tends to appreciate over time, and you can also generate income from rent. However, real estate can also be illiquid, meaning it can be difficult to sell quickly. The average annualized ROI in the last five years is 7%.

3.  Private Equity. Private equity is a type of investment that involves investing in privately held companies. Private equity investments can be very profitable, but they also come with a high degree of risk. The average annualized ROI in the last five years is 15%.

4.  Venture Capital. Venture capital entails investing in early-stage companies that show potential for rapid growth. While venture capital investments come with substantial risks, they can yield exceptionally high returns. Over the past five years, the average annualized ROI for venture capital investments has been 20%.
​
Picture

5.  Cryptocurrencies. Cryptocurrencies are digital or virtual currencies secured through cryptography. Although highly volatile, they offer the potential for significant returns. It's important to approach cryptocurrency investments with caution due to their unpredictability. On average, cryptocurrencies have demonstrated an annualized ROI of 30% over the last five years.​

Factors to Consider When Choosing Investment Assets

When selecting investment assets, consider the following factors. The best investment asset for you will depend on your individual risk tolerance and investment goals.
Here are some additional factors to consider when choosing investment assets:
  1. Your risk tolerance: 
  • Your age: younger investors typically have a higher risk tolerance than older investors. This is because younger investors have more time to recover from losses, and they may be more willing to take on risk in the hopes of achieving higher returns.
  • Your income: Your income can also affect your risk tolerance. If you have a high income, you may be able to afford to take on more risk because you have more money to fall back on.
  • Your investment goals: Your investment goals will also affect your risk tolerance. If you're saving for retirement, you may be willing to take on more risk because you have a longer time horizon. However, if you're saving for a short-term goal, such as a down payment on a house, you'll need to be more conservative with your investments.
  • Your emotional state: Your emotional state can also affect your risk tolerance. If you're prone to anxiety or stress, you may be more comfortable with investments that have a lower risk of losing money.

Here are some additional questions that you can ask yourself to help you determine your investment risk tolerance:
  • How comfortable are you with the idea of losing money?
  • How much time do you have to reach your investment goals?
  • How much money do you need to reach your investment goals?
  • How much risk are you willing to take to reach your investment goals?
  • Once you've answered these questions, you'll have a better idea of your investment risk tolerance. This will help you choose the right investments for your financial goals.

2.  Your investment goals: What are you hoping to achieve with your investments?
  • Specificity: Your investment goals should be specific and measurable. For example, instead of saying "I want to save for retirement," you could say "I want to have $1 million saved by the time I'm 65."
  • Timeline: Your investment goals should also have a timeline. For example, you might say "I want to have $1 million saved by the time I'm 65," or "I want to have a down payment of $20,000 saved for a house within the next 5 years."
  • Achievability: Your investment goals should be achievable. If your goals are too ambitious, you're less likely to achieve them. If your goals are too conservative, you may not be taking advantage of all the potential growth opportunities.
  • Relevancy: Your investment goals should be relevant to your overall financial situation and goals. For example, if you're saving for retirement, you may not want to invest in a high-risk investment that could jeopardize your retirement savings.
  • Flexibility: Your investment goals should be flexible enough to accommodate changes in your life. For example, if you have a child, you may need to adjust your investment goals to accommodate the additional expenses.

Here are some examples of different investment goals:
  • Retirement: Saving for retirement is one of the most common investment goals. You can save for retirement in a variety of ways, including through 401(k)s, IRAs, and taxable accounts.
  • Down payment on a house: Saving for a down payment on a house is another common investment goal. You can save for a down payment in a variety of ways, including through savings accounts, CDs, and taxable accounts.
  • Child's education: Saving for your child's education is another important investment goal. You can save for your child's education in a variety of ways, including through 529 plans, Coverdell ESAs, and taxable accounts.
  • Other goals: There are many other possible investment goals, such as saving for a wedding, a vacation, or a new car.
  • It's important to remember that your investment goals can change over time. As your life changes, you may need to adjust your investment goals accordingly.
 
3.  Your time horizon: How long do you have until you need to access your money? If you are saving for retirement, you may want to allocate a higher percentage of your portfolio to bonds and real estate.
  • Short-term: A short-term time horizon is typically less than 3 years. Investments with a short-term time horizon are typically less risky, such as money market funds, US Treasury Bond, or CDs.
  • Medium-term: A medium-term time horizon is typically 3 to 10 years. Investments with a medium-term time horizon can be more risky, such as stocks or bonds.
  • Long-term: A long-term time horizon is typically 10 years or more. Investments with a long-term time horizon can be riskier, such as stocks or real estate.
  • The length of your time horizon will affect the types of investments that you can choose. For example, if you have a short-term time horizon, you'll need to choose investments that are less risky and that are more likely to preserve your capital. If you have a long-term time horizon, you can choose investments that are riskier and that have the potential to grow your capital over time.
  • It's also important to remember that your time horizon can change over time. For example, if you're saving for a down payment on a house, you'll need to choose investments that are less risky and that are more likely to preserve your capital. However, if you're saving for retirement, you can choose investments that are riskier and that have the potential to grow your capital over time.
Here are some additional questions that you can ask yourself to help you determine your time horizon:
  • When do you need the money?
  • What are your investment goals?
  • How much risk are you willing to take?
  • What is your financial situation?

Once you've answered these questions, you'll have a better idea of your time horizon. This will help you choose the right investments for your financial goals.
 
4.  Your financial situation: How much money do you have to invest? Or if you have a high income, you may be able to afford to allocate a higher percentage of your portfolio to riskier assets.
  • Income: Your income is one of the most important factors in your financial situation. It determines how much money you must save and invest.
  • Expenses: Your expenses are also important to consider. They determine how much money you have left over after you pay your bills.
  • Assets: Your assets are what you own. They can include your home, your car, your investments, and your savings.
  • Debts: Your debts are what you owe. They can include your mortgage, your car loan, your credit card debt, and your student loans.
  • Liquidity: Your liquidity is how much cash you have on hand. It's important to have enough liquidity to cover your monthly expenses and unexpected expenses.
  • Net worth: Your net worth is the difference between your assets and your debts. It's a measure of your financial health.
Here are some additional questions that you can ask yourself to help you determine your financial situation:
  • What is your income?
  • What are your expenses?
  • What are your assets?
  • What are your debts?
  • How much liquidity do you have?
  • What is your net worth?
Once you've answered these questions, you'll have a better idea of your financial situation. This will help you make informed decisions about your finances.
​
Here are some additional factors that can affect your financial situation:
  • Your age: Your age can affect your financial situation in several ways. For example, if you're young, you may have less debt and more time to save for retirement. However, if you're older, you may have more assets and more income.
  • Your family status: Your family status can also affect your financial situation. For example, if you have children, you'll have more expenses. However, you may also have more income if you have a partner who works.
  • Your health: Your health can also affect your financial situation. For example, if you have a chronic illness, you may have more expenses. However, you may also have more income if you have health insurance.
  • Your employment status: Your employment status can also affect your financial situation. For example, if you're unemployed, you'll have less income. However, you may also have less expenses if you're not working.
  • It's important to consider all of these factors when determining your financial situation. The more you know about your financial situation, the better equipped you'll be to make informed decisions about your finances.
 
It is important to do your research and talk to a financial advisor before making any investment decisions.
 
It is important to note that these are just averages, and the actual ROI of each asset class will vary depending on the specific investment. For example, the ROI of stocks will vary depending on the specific stocks you invest in, and the ROI of real estate will vary depending on the specific properties you invest in.

It is also important to note that the ROI of each asset class can change over time. For example, the ROI of stocks has been higher in recent years than it was in the past. This is because the stock market has been on a bull run in recent years. However, the ROI of stocks could decline in the future.

The best way to determine the ROI of an investment asset is to consult with us.  We can help you assess your individual risk tolerance and investment goals, and they can recommend specific investment assets that are right for you.
In summary, we discuss the top 5 investment assets with the highest return on investment (ROI) in the last five years. The assets include stocks, commercial real estate net lease (CRE-NNN), private equity, venture capital, and cryptocurrencies.
  1. Stocks have the potential for high returns but come with the risk of losing money. The average annualized ROI in the last five years is 12%.
  2. CRE-NNN is a way to build wealth through real estate. The average annualized ROI in the last five years is 7%. Real estate can be illiquid, meaning it can be difficult to sell quickly.
  3. Private equity involves investing in privately held companies and has an average annualized ROI of 15%. It comes with high risks.
  4. Venture capital entails investing in early-stage companies with potential for rapid growth. It has an average annualized ROI of 20% but also comes with substantial risks.
  5. Cryptocurrencies are highly volatile but offer the potential for significant returns. The average annualized ROI in the last five years is30 However, caution is necessary due to their unpredictability.
Factors to consider when choosing investment assets include risk tolerance, investment goals, time horizon, and financial situation.  These factors help determine the appropriate asset allocation that aligns with an individual's needs and preferences. It is important to research and consult with us before making investment decisions.
​IMPORTANT NOTICE: This is unsolicited information and/or a private, proprietary, and confidential communication and is for information purposes only. This is not intended to be and must not be construed to be in any form or manner a solicitation of investment funds or a security offering.
 
DISCLAIMER: DAJK is NOT a Securities Dealer or Broker or Investment Adviser. DAJK is a consultant and makes no warranties or representations as to the validity of the Program and is compensated for introducing clients only. All due diligence is the responsibility of the Buyer and Seller. This blog and related documents are never to be considered a solicitation for any purpose in any form or content. Upon receipt of these documents, the Recipient hereby acknowledges this Disclaimer. If acknowledgment is not accepted, the Recipient must return all documents in their original receipted condition to Sender.
Contact Us
0 Comments

Wealth Management - Part 2 of 2

6/18/2023

0 Comments

 

​How To Grow Your Wealth From 100 Million To 1 Billion

Picture
Highlights:
Part 1:
  1. Growth Your Wealth, Investment Management, Portfolio Management Solution
  2. Risk Management
Part 2:
  1. Cash Flow Management
  2. Tax Management
  3. Trust & Estate Planning
  4. Asset Protection
  5. Charitable Planning & Philanthropy

​Cash Flow Management

Cash flow management is the process of tracking and managing your income and expenses. This is important for both individuals and businesses. By understanding your cash flow, you can make sure that you have enough money to cover your expenses and reach your financial goals.
 
Here are several specific steps involved in cash flow management, including forex and crypto currencies:
  1. Track your cash flow. The first step in cash flow management is to track your cash flow. This means tracking your income and expenses on a regular basis. This can be done by using a cash flow spreadsheet or a cash flow management software program.
  2. Identify your cash flow problems. Once you are tracking your cash flow, you can identify any problems that you may be having. This could include problems such as:
    • Not having enough money to cover your expenses.
    • Having too much money sitting in your bank account
    • Having inconsistent cash flow
  3. Develop a cash flow plan. Once you have identified your cash flow problems, you need to develop a cash flow plan. This plan should include strategies for:
    • Increasing your revenue
    • Reducing your expenses
    • Managing your cash flow more effectively
  4. Implement your cash flow plan. Once you have developed a cash flow plan, you need to implement it. This may involve making changes to your spending habits, your investment strategy, or your business operations.
  5. Monitor your cash flow. Once you have implemented your cash flow plan, you need to monitor your cash flow on a regular basis. This will help you to make sure that your plan is working and that you are on track to achieve your financial goals.
Here are some additional tips for effective cash flow management:
  • Set financial goals. It is important to set financial goals for yourself. This will help you to stay focused and motivated.
  • Create a budget. A budget is a plan for how you will spend your money. It can help you to track your spending and make sure that you are not overspending.
  • Automate your finances. You can automate your finances by setting up automatic payments for your bills and investments. This will help you to stay on track with your payments and avoid late fees.
  • Build up your emergency funds. An emergency fund is a savings account that you can use to cover unexpected expenses. It is important to have at least 3-6 months of living expenses in your emergency fund.

By following these steps, you can improve your cash flow management and achieve your financial goals.
When it comes to forex and crypto currencies, it is important to be aware of the risks involved. These assets are volatile and can fluctuate in value rapidly. It is important to do your research and understand the risks before investing in them.
If you are considering investing in forex or crypto currencies, it is important to use a reputable broker or exchange. You should also consider using a stop-loss order, which will automatically sell your investment if it reaches a certain price. This can help you to limit your losses if the market turns against you.
It is also important to remember that forex and crypto currencies are not regulated by the government. This means that there is no guarantee that you will get your money back if you lose money investing in them.
If you are not comfortable with the risks involved, you may want to consider other investment options.

​Tax Management


Tax management is the process of minimizing tax liabilities while complying with tax laws and regulations. Effective tax management can help individuals and businesses optimize their financial resources and maximize their wealth growth.

Here are some key considerations for tax management:
  • Stay informed about tax laws. Keep up to date with changes in tax laws and regulations to ensure that you are taking advantage of any available deductions, credits, or incentives.
  • Consult with tax professionals. Work with qualified tax professionals who can provide expert advice and help you navigate complex tax situations.
  • Optimize your tax structure. Evaluate different tax structures and strategies to minimize your tax liabilities, such as utilizing tax-efficient investment vehicles or taking advantage of tax deferral options.
  • Maximize deductions and credits. Identify and claim all eligible deductions and credits to reduce your taxable income.
  • Plan for the future. Consider long-term tax planning strategies, such as retirement accounts, estate planning, and charitable contributions, to optimize your tax situation over time.
  • Keep organized records. Maintain accurate and organized financial records, including receipts, invoices, and tax documents, to support your tax filings and potential audits.
Effective tax management requires proactive planning, regular review, and adherence to tax compliance requirements. By optimizing your tax situation, you can retain more of your wealth and accelerate your path to financial success.
 
Based on Tax Foundation, the corporate tax rates 2022 around the world are:
  • In 2022, 16 countries made changes to their statutory corporate income tax rates. Six countries—Colombia, South Sudan, Netherlands, Turkey, Chile, and Montenegro—increased their top corporate tax rates, while 10 countries—including France, Greece, and Monaco—reduced their corporate tax rates.
  • Comoros (50 percent), Puerto Rico (37.5 percent), and Suriname (36 percent) are the jurisdictions with the highest corporate tax rates in the world, while Barbados (5.5 percent), Turkmenistan (8 percent), and Hungary (9 percent) levy the lowest corporate rates. Sixteen jurisdictions do not impose a corporate tax.
  • The worldwide average statutory corporate income tax rate, measured across 180 jurisdictions, is 23.37 percent. When weighted by GDP, the average statutory rate is 25.43 percent.
  • Asia has the lowest regional average rate at 19.52 percent, while South America has the highest regional average statutory rate at 28.38 percent. However, when weighed by GDP, Europe has the lowest regional average rate at 23.59 percent and South America has the highest at 32.64 percent.
  • The average top corporate rate among EU27 countries is 21.16 percent, 23.57 percent in OECD countries, and 32 percent in the G7.
  • The worldwide average statutory corporate tax rate has consistently decreased since 1980 but has leveled off in recent years.
  • The average statutory corporate tax rate has declined in every region since 1980.

Trust & Estate Planning​

Trust and estate planning involves creating a comprehensive plan to manage and distribute assets during and after a person's lifetime. It encompasses various legal and financial strategies to protect and transfer wealth according to the individual's wishes while minimizing tax implications and potential conflicts.

Here are some key elements of trust and estate planning:
  1. Wills: A will is a legal document that outlines how your assets should be distributed after your death. It also allows you to name guardians for minor children and specify other important details.
  2. Trusts: Trusts are legal arrangements that hold and manage assets on behalf of beneficiaries. They can provide control, flexibility, and potential tax advantages in estate planning.
  3. Beneficiary designations: Review and update beneficiary designations on financial accounts, life insurance policies, retirement plans, and other assets to ensure they align with your intentions.
  4. Healthcare directives: Create healthcare directives, such as a living will and a healthcare power of attorney, to specify your medical preferences and designate someone to make healthcare decisions on your behalf if you become incapacitated.
  5. Charitable giving: Explore philanthropic options, such as establishing charitable trusts or foundations, to support causes you care about while potentially reducing tax liabilities.
  6. Tax planning: Consider the potential tax implications of your estate plan and work with tax professionals to develop strategies that minimize tax burdens for your beneficiaries.
 
When it comes to offshore tax neutral jurisdictions, there are several factors to consider, such as:
  • Tax laws: The tax laws of the jurisdiction should be favorable to trusts.
  • Regulatory environment: The regulatory environment of the jurisdiction should be stable and predictable.
  • Political stability: The jurisdiction should be politically stable.
  • Privacy laws: The jurisdiction should have strong privacy laws.
  • Cost: The cost of setting up and maintaining a trust in the jurisdiction should be reasonable.
Some of the most popular offshore tax neutral jurisdictions include:
  • The Bahamas: The Bahamas has a favorable tax regime for trusts and a strong privacy law.
  • The Cayman Islands: The Cayman Islands has a favorable tax regime for trusts and a stable political environment.
  • The Isle of Man: The Isle of Man has a favorable tax regime for trusts and a strong regulatory environment.
  • Switzerland: Switzerland has a strong privacy law and a stable political environment.
It is important to note that offshore trust planning can be complex and should only be done with the assistance of an experienced attorney.

​Here are some additional tips for effective trust & estate planning:
  • Contact us. It is important to consult with us who are associating with attorney specializes in trust & estate planning.
  • Plan. It is important to start planning for your trust & estate needs as early as possible.
  • Be flexible. Your trust & estate plan should be flexible enough to accommodate changes in your life and circumstances.
  • Review your plan regularly. Your trust & estate plan should be reviewed regularly to make sure it still meets your needs.

​Asset Protection

Asset protection is the process of protecting your assets from creditors, lawsuits, and other legal threats. There are several different asset protection strategies available, such as setting up trusts, forming corporations, and buying insurance.
 
Here are several specific steps involved in asset protection, including whole life insurance policies:
  1. Identify your assets. The first step in asset protection is to identify your assets. This includes all your property, investments, and other valuables.
  2. Evaluate your risk. Once you have identified your assets, you need to evaluate your risk. This includes considering the likelihood of you being sued and the amount of money that you could lose if you are sued.
  3. Choose the right asset protection strategy. There are many different asset protection strategies available. Some of the most common strategies include:
    • Trusts: Trusts can be used to protect your assets from creditors.
    • Limited liability companies (LLCs): LLCs can be used to protect your assets from lawsuits.
    • Business ownership: If you own a business, you can protect your personal assets by keeping them separate from your business assets.
    • Insurance: Insurance can be used to protect your assets from financial losses.
  4. Implement your asset protection strategy. Once you have chosen an asset protection strategy, you need to implement it. This may involve setting up trusts, forming LLCs, or taking other steps.
  5. Review your asset protection plan regularly. Your asset protection plan should be reviewed regularly to make sure it still meets your needs.

Whole life insurance policies can be used as an asset protection strategy. Whole life insurance policies have a cash value component, which can be used to pay for legal fees and other expenses in the event of a lawsuit.

​It is important to note that asset protection is a complex legal matter and should only be done with the assistance of an experienced attorney.

​Here are some additional tips for effective asset protection:
  • Get professional advice. It is important to get professional advice from an attorney who specializes in asset protection.
  • Plan. It is important to start planning for your asset protection needs as early as possible.
  • Be flexible. Your asset protection plan should be flexible enough to accommodate changes in your life and circumstances.
  • Review your plan regularly. Your asset protection plan should be reviewed regularly to make sure it still meets your needs.

Charitable Planning & Philanthropy​

Picture
​Charitable planning and philanthropy involve making strategic decisions about giving back to society and supporting causes that align with your values. It allows you to make a positive impact while potentially enjoying tax benefits and leaving a lasting legacy.

Here are some considerations for charitable planning and philanthropy:
  1. Identify causes: Determine the causes and organizations you are passionate about and want to support. Research their missions, track records, and financial transparency to ensure your donations make a meaningful impact.
  2. Develop a giving strategy: Define your philanthropic goals, whether it's providing immediate relief, funding long-term initiatives, or creating a charitable foundation. Consider the amount you wish to donate and the frequency of your contributions.
  3. Explore giving vehicles: Explore different giving vehicles, such as direct donations, donor-advised funds, charitable trusts, or private foundations. Each option offers unique benefits in terms of tax efficiency, control, and flexibility.
  4. Engage family members: Involve your family in charitable planning and philanthropy to instill shared values and create a legacy of giving. Encourage open discussions about causes, involve younger generations in decision-making, and consider establishing a family philanthropic mission.
  5. Tax considerations: Consult with tax professionals to understand the tax advantages associated with charitable giving, such as deductions, exemptions, or reduced capital gains taxes. Maximize your impact by strategically leveraging tax benefits.
  6. Measure impact: Establish metrics and evaluation criteria to assess the effectiveness of your charitable giving. Regularly review the outcomes and adjust your strategies to ensure your contributions create meaningful change.
  7. Professional guidance: Work with philanthropic advisors or financial planners who specialize in charitable planning to navigate complex legal and financial considerations and maximize the impact of your philanthropic efforts.
Charitable planning and philanthropy allow you to make a difference in the world while aligning with your personal values. By adopting a strategic approach and seeking expert guidance, you can create a philanthropic legacy that positively impacts society.

Whole Life Insurance

Whole life insurance policies can be used as a charitable planning tool. Whole life insurance policies have a cash value component, which can be donated to charity. The death benefit of a whole life insurance policy can also be used to fund a charitable trust or foundation.
It is important to note that charitable planning is a complex legal matter and should only be done with the assistance of an experienced attorney.

​Here are some additional tips for effective charitable planning:
  • Contact us. It is important to consult with us get who are associating with professional attorneys who specialize in charitable planning.
  • Plan. It is important to start planning for your charitable giving needs as early as possible.
  • Be flexible. Your charitable plan should be flexible enough to accommodate changes in your life and circumstances.
  • Review your plan regularly. Your charitable plan should be reviewed regularly to make sure it still meets your needs.
When it comes to whole life insurance policies for trustees and successors, there are a few things to keep in mind:
  • Trustees: The trustees of a whole life insurance policy should be people who are trustworthy, competent, and financially responsible. They should also be willing to serve as trustees in the long term.
  • Successors: The successors to the trustees of a whole life insurance policy should also be people who are trustworthy, competent, and financially responsible. They should also be willing to serve as trustees in the long term.
It is important to note that whole life insurance policies are complex financial products and should only be used after careful consideration and consultation with a financial advisor.

​In summary

We cover various topics related to wealth management, including cash flow management, risk management, tax management, investment and portfolio management, trust and estate planning, asset protection, and charitable planning.

In the section on cash flow management, the process of tracking and managing income and expenses is outlined, including developing a cash flow plan and monitoring it regularly. Various investment options with the potential for significant growth, such as stocks, commercial real estate, and businesses, are discussed.

The section on risk management emphasizes the importance of identifying, assessing, and mitigating risks on an ongoing basis. The potential risks include financial, operational, and compliance risks. The section also covers the need to develop risk mitigation strategies and implement them, as well as regularly reviewing the risk management plan.

On the topic of tax management, strategies for planning and executing tax-efficient strategies are discussed. There are many different tax management strategies available, and it is important to work with professionals to find the ones that are right for individual needs.

Trust and estate planning involve selecting trustees who are competent, trustworthy, and financially responsible. Various types of trusts, such as revocable and irrevocable trusts, are discussed. It is important to regularly review and update the trust and estate plan to ensure it still meets individual needs.

​To grow wealth, it is essential to research and understand the risks involved with investment options, such as forex and crypto currencies. Strategies for growing wealth include living below one's means, investing in assets with growth potential, and automating finances.

​Finally, the importance of balancing risk with investment objectives and risk tolerance is emphasized.
 
We hope this information is helpful. Please contact us with further questions.
 
IMPORTANT NOTICE: This is unofficial information and for information purposes only. This is not intended to be and must not be construed to be in any form or manner a solicitation of investment funds or a security offering. Before undertaking any action, be sure to discuss your options with a qualified advisor.
Contact Us
0 Comments

Wealth Management - 1 OF 2

6/11/2023

0 Comments

 

​How To Grow Your Wealth From 100 Million To 1 Billion

Picture
Highlights:
​

Part 1:
  1. Growth Your Wealth, Investment Management, Portfolio Management Solution
  2. Risk Management
Part 2:
  1. Cash Flow Management
  2. Tax Management
  3. Trust & Estate Planning
  4. Asset Protection
  5. Charitable Planning & Philanthropy

​Growth Your Wealth

There are many ways to grow your wealth. Some common methods include investing in stocks, bonds, mutual funds, and commercial real estate. You can also grow your wealth by saving money and paying down debt. By taking steps to grow your wealth, you can improve your financial security and achieve your financial goals.
 
Here are some tips on how to grow your wealth from 100 million to 1 billion:
  1. Invest in assets that have the potential to grow significantly in value. This could include stocks, commercial real estate, or businesses.
  2. Take on calculated risk. If you want to grow your wealth significantly, you'll need to be willing to take on some risk. However, it's important to balance risk with your investment objectives and risk tolerance.
  3. Be patient. It takes time to grow wealth. Don't expect 100 million into 1 billion overnight.
  4. Contact us.  We can help you develop an investment strategy that is tailored to your individual needs and goals.
Here are some specific examples of investments that have the potential to grow significantly in value:
  • Stocks: Stocks are shares of ownership in a company. When a company does well, the value of its stock typically goes up.
  • Commercial Real estate: Commercial Real estate Net Lease can be a great way to grow wealth over the long term. The value of real estate tends to go up over time, and it can also generate income through rent payments.
  • Businesses: If you're willing to take on more risk, you could consider investing in businesses such as Apple, Microsoft, Alphabet, Amazon, JPMorgan Chase, Alibaba, Tencent, and Walmart…etc. This could involve buying a small business outright or investing in a private equity fund.  These companies are all large, well-established businesses with strong track records of profitability. They are also leaders in their respective industries, which gives them a competitive advantage. Additionally, they are all global businesses, which means that they are not as susceptible to economic downturns in any one region.
​Here are some additional factors to consider when choosing global businesses for investment:
  • Industry: The industry in which a company operates is important to consider. Some industries, such as technology and healthcare, are more cyclical than others. This means that they are more likely to experience periods of high growth followed by periods of low growth.
  • Management: The quality of management is another important factor to consider. Good management can help a company to weather difficult times and achieve long-term success.
  • Financial strength: A company's financial strength is important to consider because it can affect its ability to weather economic downturns and make strategic investments.
  • Valuation: The valuation of a company is important to consider because it can affect the potential return on investment. A company that is undervalued may offer a good opportunity for long-term growth.
 
  • Tier-1 Commercial Bank Instruments:  Tier-1 commercial banks issue a variety of bank instruments for private placement programs, including:
    • Medium-term notes (MTNs): MTNs are debt securities that have a maturity of at least one year and are typically issued by corporations or governments. MTNs can be used to raise capital for a variety of purposes, such as expansion, acquisitions, or refinancing debt.
    • Bank guarantees (BGs): BGs are a type of surety bond that is issued by a bank to guarantee the performance of a contract. BGs are often used in international trade to protect buyers from default by sellers.
    • Standby letters of credit (SBLCs): SBLCs are a type of letter of credit that is issued by a bank to guarantee payment of a debt. SBLCs are often used in international trade to protect sellers from default by buyers.
  • These bank instruments can be used to create a variety of private placement programs, such as:
    • Debt funds: Debt funds invest in debt securities, such as MTNs and BGs. Debt funds can provide investors with a high level of income, but they also carry a high level of risk.
    • Mezzanine funds: Mezzanine funds invest in mezzanine debt, which is a type of debt that is subordinate to senior debt. Mezzanine debt typically has a higher yield than senior debt, but it also carries a higher level of risk.
    • Real estate funds: Real estate funds invest in real estate, such as commercial properties and residential properties. Real estate funds can provide investors with the potential for high returns, but they also carry a high level of risk.
  • It is important to note that private placement programs are not regulated by the Securities and Exchange Commission (SEC). This means that investors should do their own due diligence before investing in any private placement program. They should carefully review the terms of the offering and make sure that they understand the risks involved.
  • Here are some of the risks associated with investing in private placement programs:
    • Illiquidity: Private placement programs are often illiquid, meaning that it can be difficult to sell the investment if you need to.
    • Lack of transparency: Private placement programs are often not as transparent as public offerings, meaning that it can be difficult to get information about the investment.
    • Higher risk: Private placement programs are often higher risk than public offerings. This is because they are not subject to the same level of regulation as public offerings.
  • Despite the risks, private placement programs can be a good way for investors to access a wider range of investment options. However, it is important to do your research and understand the risks before investing.
It's important to note that there is no guarantee that any investment will be appreciated. However, if you're willing to take on some risk and be patient, you have a good chance of growing your wealth from 100 million to 1 billion.
​
Here are some additional tips that may help you grow your wealth:
  • Live below your means. This will free up more money to invest.
  • Pay off debt. Debt can reduce your net worth and make it more difficult to save and invest.
  • Max out your retirement savings. This will help you save for the future and grow your wealth tax deferred.
  • Invest in the long term. The stock market is volatile in the short term, but it has historically trended upwards over the long term.
  • Rebalance your portfolio regularly. This will help you stay on track with your investment goals and reduce your risk.
  • Research, learn, and consult with us. We can help you develop an investment strategy that is tailored to your individual needs and goals.
Picture

​Investment Management

​Investment management is the process of overseeing and managing an investment portfolio. This includes tasks such as selecting investments, rebalancing the portfolio, and monitoring performance. Investment managers can help you achieve your financial goals by investing your money in a way that is aligned with your risk tolerance and investment objectives.

​Portfolio Management Solution

A portfolio management solution is a software program that helps you track, manage, and analyze your investment portfolio. These solutions can help you to:
  • Track your investments.
  • Set investment goals.
  • Monitor your performance.
  • Make informed investment decisions.
  • Automate your investment process.

​Risk Management

Risk management is the process of identifying, assessing, and mitigating risks. This is an important part of any investment strategy. By understanding the risks involved in your investments, you can make informed decisions about how to allocate your assets.
 
Here are several specific steps involved in risk management:
  1. Identify the risks. The first step in risk management is to identify the potential risks that could impact on your business. This could include risks such as:
    • Financial risks, such as a loss of revenue or an increase in costs
    • Operational risks, such as a data breach or a natural disaster
    • Compliance risks, such as violating regulations.
    • Reputational risks, such as a product recall or a scandal
  2. Assess the risks. Once you have identified the potential risks, you need to assess their likelihood and impact. This will help you to prioritize the risks and focus your efforts on the most important ones.
  3. Develop risk mitigation strategies. Once you have assessed the risks, you need to develop strategies to mitigate them. This could involve:
    • Avoiding the risk altogether
    • Reducing the likelihood of the risk occurring
    • Reducing the impact of the risk if it does occur.
  4. Implement risk mitigation strategies. Once you have developed risk mitigation strategies, you need to implement them. This could involve:
    • Putting in place new policies and procedures
    • Training employees on risk management
    • Buying insurance
  5. Monitor the risks. Once you have implemented the risk mitigation strategies, you need to monitor the risks to make sure they are still effective. This could involve:
    • Reviewing the risk register on a regular basis
    • Conducting risk assessments on a regular basis
    • Responding to new risks as they emerge
Risk management is an ongoing process. It is important to regularly review your risk management plan and make changes as needed.

Here are some additional tips for effective risk management:
  • Get buy-in from senior management. Risk management is everyone's responsibility, but it is important to have the support of senior management. This will help to ensure that risk management is taken seriously and that resources are allocated to it.
  • Create a risk culture. A risk culture is one in which employees are encouraged to identify and report risks. This can be done by providing training on risk management, creating a system for reporting risks, and rewarding employees for reporting risks.
  • Use technology. There are several software tools that can help with risk management. These tools can help you to identify risks, assess risks, and develop risk mitigation strategies.
By following these steps, you can develop an effective risk management plan that will help to protect your business from potential risks.

Part 2 of 2

IMPORTANT NOTICE: This is unofficial information and for information purposes only. This is not intended to be and must not be construed to be in any form or manner a solicitation of investment funds or a security offering. Before undertaking any action, be sure to discuss your options with a qualified advisor.
​
Contact Us
0 Comments

U.S Commercial Real Estate Outlook 2023: Navigating Challenges and Embracing Transformation

6/4/2023

0 Comments

 
Picture
​Discover the key trends shaping the commercial real estate landscape in 2023, including the impact of high interest rates, a moderate recession, evolving work dynamics, ESG considerations, and decarbonization efforts. Stay informed to make strategic real estate decisions.
Highlights:
  1. Overview
  2. Capital Market
  3. Industrial & Logistics
  4. Data Centers
  5. Life Science

​A Challenging Year Ahead Overview 

As we step into 2023, the commercial real estate industry faces a unique set of challenges and opportunities. In this overview, we delve into the major trends that will shape the landscape and offer insights to help you navigate the evolving market.

From the impact of high interest rates and a moderate recession to the transformative effects of ESG considerations and the digital economy, we explore how these factors will influence real estate demand and investment decisions.
  1. Impact of High Interest Rates and Recession: Despite a slight easing of inflation, high interest rates persist, making 2023 a challenging year for commercial real estate. The Federal Reserve will continue raising rates until inflation shows a significant reduction toward its 2% target. As a result, weakening fundamentals and a higher cost of capital are expected to lower asset values across various sectors.
  2. Moderate Recession Outlook: While a recession looms, it is anticipated to be relatively shallow. Healthy corporate finances and the reluctance to lay off skilled labor in a tight market will mitigate the depth of the downturn. Although consumer confidence remains subdued, average household debt is comparably low compared to previous recessions. Unemployment is unlikely to breach the 6% mark, indicating a moderate downturn.
  3. Embracing Change: ESG and Digital Economy: Amid economic headwinds, the pace of change in the real estate industry will not slow down. Environmental, Social, and Governance (ESG) considerations and the growth of the digital economy will continue to drive real estate demand. Companies and the office sector must adapt to the benefits of hybrid working models. Cities will need to accommodate evolving commuting patterns and reduced office space requirements.
  4. Retail Resurgence and Resilient Sectors: The retail sector is experiencing a resurgence, attracting significant investor interest after a period of transformation. Data centers and industrial real estate are expected to be the most resilient sectors. The multifamily sector stands to benefit from the housing shortage. The hotel sector will continue its recovery from pandemic restrictions, while life sciences activity may temporarily ease due to limited venture capital availability.
  5. Decarbonization Efforts: In response to environmental concerns, governments, occupiers, and investors are pushing for significant decarbonization efforts across all sectors and locations. Meeting sustainability targets will become a priority for real estate players, impacting investment decisions and shaping the industry's future.

Conclusion: As you plan your real estate strategy in 2023, it is crucial to consider the prevailing trends that will define the year. High interest rates, a moderate recession, evolving work dynamics, ESG considerations, and decarbonization efforts are just some of the factors demanding attention. Stay informed, monitor market developments, and seek professional advice to make informed and strategic decisions aligned with the changing real estate landscape.

​Contact us for personalized insights into how these trends may impact your specific real estate strategy.

​Investment Activity and Asset Values Expected to Drop

Picture
​The commercial real estate investment activity that started slowing down in the second half of 2022 is predicted to continue in the first half of 2023. With increasing capital costs and a drop in lender appetite, obtaining financing may prove to be challenging. However, CBRE predicts that capital will still be available for high-quality deals, such as multifamily, industrial, and grocery-anchored retail, particularly with established and creditworthy borrowers. Additionally, the market is expected to benefit from the record amounts of equity capital that continue to target real estate investment, despite the likelihood of a moderate recession in the coming year.
 
As interest rates rise, real estate asset values tend to fall, tightening financial conditions and hindering both economic activity and real estate demand. CBRE forecasts that cap rates may expand by another 25 to 50 bps next year, translating to roughly another 5% to 7% decline in values. However, multifamily and industrial properties will remain the most favored by investors due to their relatively strong fundamentals and positive long-term demand outlooks. Meanwhile, grocery-anchored retail centers, which have experienced a decade of restrained development, are expected to weather any downturn.
 
While higher capital costs may deter some buyers, large equity players who can quickly deploy their capital will still find opportunities. However, CBRE warns that these investors will likely have only a short window of opportunity. Following the Great Recession, the bottoming out of pricing only lasted around six to nine months before cap rates began to compress. Given expectations for a relatively moderate recession, the window of opportunity may be even shorter this time.
 
CBRE predicts a 15% year-over-year drop in U.S. commercial real estate investment volume in 2023. However, it is still expected to exceed the pre-pandemic record annual total in 2019. Investment activity is anticipated to bottom out in the first quarter and then gradually improve, assuming a moderate recession, lower inflation, a drop in long-term U.S. Treasury yields, and the end of rapid-fire interest rate hikes.
 
In summary, CBRE highlights multifamily, industrial, and grocery-anchored retail properties as the most attractive to investors due to demands. Meanwhile costs may prove to be a deterrent for some buyers, but large equity players who can efficiently deploy their capital will still find opportunities. The window of opportunity, however, may be relatively short, lasting only around six to nine months based on past trends. Investment activity is predicted to drop in 2023, but a clearer economic outlook should emerge by Q2, reducing uncertainty and bolstering investor sentiment. 

Industrial & Logistics: Supply Chain Diversification and Location Optimization are Key

​In 2023, companies will strive to diversify their product sourcing to mitigate potential disruptions to their global supply chains. The ongoing war in Ukraine, inclement weather, labor issues at U.S. ports, and China's port shutdowns all pose potential risks. As a result, companies will adopt a "China Plus One" approach, adding other countries to their supply chains or shifting manufacturing to other Asian countries. There is also a trend towards onshoring and nearshoring to Mexico.
 
The shift in imports away from congested West Coast ports will benefit markets in Savannah, Charleston, Houston, and Baltimore, while onshoring of manufacturing will benefit Phoenix, major Texas markets, Atlanta, Cincinnati, Greenville-Spartanburg, and Northern Florida. Occupiers' location decisions will be driven by factors such as supply chain costs, high-quality infrastructure, and strong labor dynamics. Louisville, Memphis, Indianapolis, and Kansas City stand to benefit from the shift.
 
In 2022, there was a record 661 million sq. ft. of industrial space under construction, nearly double the amount since 2020. However, falling groundbreakings and construction financing challenges will lead to a decrease in completions by 2024 and a shortage of first-generation space. Despite this, industrial leasing activity is still expected to be solid in 2023, led by 3PLs who are outsourcing to deal with inventory, labor shortages, and rising transportation costs. However, in markets with an excess of construction deliveries, concessions such as free rent and higher tenant improvement allowances may be required.
 
In summary, U.S. Real Estate Market Outlook for Industrial & Logistics in 2023 will require supply chain diversification and location optimization to mitigate potential disruptions. Risk-management firms need to look at opportunities that'll come up following the supply chain diversification, such as expansion close to the new sources and shifts in imports among the ports.

​Data Centers: Power and Land Availability Constraints Expected to Slow Future Supply

​The expanding need for data centers is being driven by the transformation of digital infrastructure resulting from the shift towards hybrid cloud environments as a way of adapting to a post-pandemic world. Despite the growth witnessed in the industry, the future supply is likely to slow due to land and power constraints. The problem is particularly evident in major markets like Northern Virginia and Silicon Valley, where the demand for wholesale colocation inventory has more than tripled to 3.71 gigawatts (GW) since 2015. Although there were 1,600 megawatts (MW) under construction in major markets in H1 2022, a lack of space and power is likely to constrain further development in primary markets in the coming year.
 
The hypervisors are the dominant users, but enterprise demand has also increased in the data center market. Rent is, therefore, expected to increase with space availability and power having the most significant influence on asking rates in 2023. Hyperscale demand will continue to grow, with developers expanding their offerings in secondary markets with more affordable land, better power supply, and tax incentives, such as Omaha and Salt Lake City.
 
Data center operators face pressure from various stakeholders, including the government, financial markets, and corporate clients, to make their facilities more sustainable. The growing scrutiny over the large amounts of water needed to cool data centers is raising questions surrounding water resources. Consequently, large technology corporations in water-stressed areas are expected to adopt new technology to minimize water usage in 2023.
 
Site selection is expected to be influenced significantly by environmental considerations, with markets like Montreal and Hillsboro, Oregon, benefiting from an abundance of clean energy. Conversely, markets like Phoenix and Las Vegas will face challenges because of tighter resource restrictions. Consequently, data center providers and users will seek to find ways to minimize their carbon emissions in 2023.
 
In summary, U.S. Real Estate Market Outlook for Data Centers in 2023 will likely experience a slowdown in future supply, with power and land availability being the primary constraints in primary markets like Northern Virginia and Silicon Valley. The activity will, therefore, shift to secondary markets, where there is more power capacity and affordable land. Data center operators and users will also focus on finding ways to reduce carbon emissions and promote sustainability.

​Life Sciences: Normalization Expected with New Construction in Key Markets

Picture
​The life sciences sector in the U.S. has experienced rapid growth in recent years. However, in 2023, the market is expected to moderate due to the economic slowdown. Nevertheless, the life sciences real estate market should remain relatively resilient, with new construction set to increase supply in the most sought-after lab/R&D markets of Boston-Cambridge, the San Francisco Bay Area, and San Diego. Other markets will experience more stable supply and demand trends as the long-term expansion of the life sciences sector continues.
 
Despite the economic challenges, the life sciences industry has a history of resilience during economic downturns and is expected to exhibit milder declines than most other sectors in 2023. Several megatrends, including the rising demand from an aging population, higher healthcare costs, and the need for more effective and cost-efficient therapies, all support the relative stability of life sciences employment. Moreover, rapid advances in high technology and artificial intelligence are driving transformative medical advancements.
 
The industry's response to each phase of the business cycle also creates stability in the market. During favorable cycles, smaller companies with innovative research remain independent, but during less favorable cycles, they become more open to partnerships and mergers and acquisitions with larger-cap firms. As the industry entered the current cycle, the largest pharmaceutical and biotechnology companies accumulated historic cash balances and have now started using this capital through partnerships, acquisitions, and other activities to stabilize smaller companies showing promise.
 
The ongoing reduction in venture capital funding and dearth of equity financing is causing many life sciences companies to slow their expansion. The annual venture capital investment in the life sciences arena has decreased by 27% since its peak in Q4 2021. However, the government has expressed commitment to bioscience investment, with proposed funding from the National Institutes of Health expected to increase significantly in fiscal year 2023. Additionally, the Biden administration is investing $2 billion to expand the U.S. biotech and biomanufacturing sectors. Such government policies are expected to alleviate the impact of a lack of private capital funding.
 
The life sciences real estate market slowdown and pullback in private capital that has lessened current demand for commercial real estate are expected to continue in 2023. Many occupiers and investors wait on the sidelines until there is greater clarity on the trajectory of interest rates and the economy. However, with a historic amount of new life sciences laboratory/R&D construction underway, mostly in the premier clusters of Boston-Cambridge, the San Francisco Bay Area, and San Diego, smaller, emerging markets are also expected to experience favorable demand for multi-tenanted lab/R&D space.
 
In conclusion, the U.S. Real Estate Market Outlook 2023 for Life Sciences presents challenges and opportunities. Although the market is expected to moderate due to the economic slowdown, the life sciences industry has a history of resilience during economic downturns. Emerging markets and government policies, such as bioscience investment, continue to offer opportunities for growth. The industry's response to each phase of the business cycle, in addition to new construction, will also provide stability to the market. 
Contact Us
0 Comments

How to Manage Investment Risks

6/2/2023

0 Comments

 
Highlights:
  • Consistency
  • Long-Term Focus
  • Diversification
  • Hedging
  • Stop Loss, and Take Profit
Picture
Investing in the financial markets can be a rewarding endeavor, but it also comes with inherent risks. Whether you are a seasoned investor or just starting out, it is essential to have a solid risk management strategy in place. By following key principles such as consistency, long-term focus, diversification, hedging, and implementing self-imposed rules like stop loss and take profit, you can effectively manage investment risks and increase your chances of success. In this article, we will delve into each of these strategies and explore how they can help protect and grow your investment portfolio.

Consistency is key when it comes to managing investment risks. It involves having a disciplined approach to investing and sticking to your predetermined investment plan. This means avoiding impulsive decisions based on short-term market fluctuations or emotional reactions to market volatility. Consistency helps to eliminate the temptation of trying to time the market, which is notoriously difficult to do consistently.

Instead, focus on a long-term investment horizon and resist the urge to make frequent changes to your portfolio. By staying consistent with your investment strategy, you can ride out short-term market fluctuations and potentially benefit from long-term growth.Investing in the financial markets can be a rewarding endeavor, but it also comes with inherent risks. Whether you are a seasoned investor or just starting out, it is essential to have a solid risk management strategy in place.

​By following key principles such as consistency, long-term focus, diversification, hedging, and implementing self-imposed rules like stop loss and take profit, you can effectively manage investment risks and increase your chances of success. In this article, we will delve into each of these strategies and explore how they can help protect and grow your investment portfolio.
​A long-term focus is another crucial aspect of managing investment risks. It involves looking beyond day-to-day market movements and focusing on the overall performance of your investments over an extended period. Short-term volatility is a common occurrence in the financial markets, but it often evens out over the long run. By adopting a long-term perspective, you can avoid making knee-jerk reactions to temporary market downturns and remain committed to your investment strategy. This approach allows you to benefit from the power of compounding and the potential for higher returns that come with long-term investment horizons.
​Diversification is often referred to as the only free lunch in investing. It involves spreading your investments across different asset classes, sectors, and geographic regions. By diversifying your portfolio, you can reduce the impact of any single investment or market segment on your overall returns. For example, if you have a portfolio consisting solely of technology stocks, a downturn in the technology sector could significantly impact your investments. However, by diversifying your portfolio to include other sectors such as healthcare, consumer goods, or real estate, you can mitigate the risk associated with any single sector. Diversification provides a level of protection and can potentially enhance your risk-adjusted returns.
​Hedging is a risk management strategy that involves taking offsetting positions to protect against adverse price movements. While hedging can be complex and may not be suitable for all investors, it can be an effective tool in managing specific risks. One common hedging technique is to use derivatives such as options or futures contracts. For example, if you own a portfolio of stocks and are concerned about a potential market downturn, you can purchase put options to offset any potential losses. If the market does indeed decline, the value of the put options would increase, offsetting the losses in your stock portfolio. Hedging strategies should be carefully considered and implemented with the guidance of a knowledgeable financial professional.
​Stop loss and take profit orders are self-imposed rules that can help you manage risk and protect your investments. A stop loss order is a pre-determined price at which you are willing to sell an investment to limit potential losses. By setting a stop loss order, you can establish a maximum acceptable loss on a particular investment. If the price reaches or falls below the stop loss level, the order is triggered, and the investment is sold automatically. Take profit orders work in a similar way but are used to lock in profits. By setting a take profit order, you can specify a target price at which you are willing to sell an investment to secure gains and capitalize on positive market movements. Once the target price is reached or surpassed, the take profit order is triggered, and the investment is sold automatically.
Implementing stop loss and take profit orders can help you avoid emotional decision-making and ensure that you adhere to your predetermined risk tolerance levels. These orders provide a level of discipline and protection by limiting potential losses and securing profits. However, it is important to set these levels carefully, taking into account the volatility of the investment and your individual risk appetite. It is also essential to regularly review and adjust these orders as market conditions change.
​
In addition to specific strategies like diversification, hedging, and using stop loss and take profit orders, it is crucial to establish self-imposed rules for your investment activities. These rules serve as a set of guidelines or principles that govern your decision-making process. They can help you maintain discipline, avoid impulsive actions, and stay focused on your long-term investment objectives.
Self-imposed rules can vary depending on your personal investment style and goals, but here are a few examples:
  1. Define your risk tolerance: Before making any investment decisions, assess your risk tolerance. Determine the amount of risk you are comfortable with and establish a maximum percentage of your portfolio that you are willing to expose to high-risk assets. This will help you avoid taking on excessive risk and ensure that your investments align with your risk appetite.
  2. Set investment goals: Clearly define your investment goals, whether they are related to capital appreciation, income generation, or a specific financial target. Establishing clear objectives will guide your investment decisions and help you stay focused on your long-term vision.
  3. Conduct thorough research: Make it a rule to conduct comprehensive research before investing in any asset. This includes analyzing the fundamentals of the investment, assessing its potential risks and rewards, and considering market conditions. By conducting due diligence, you can make informed decisions and reduce the likelihood of making hasty or ill-advised investments.
  4. Regularly review your portfolio: Implement a rule to regularly review your portfolio's performance and make necessary adjustments. This could involve rebalancing your asset allocation, adding or removing investments, or reallocating funds based on changing market conditions. Regular reviews ensure that your portfolio remains aligned with your investment goals and risk tolerance.
  5. Stay informed and educated: Commit to continuous learning and stay informed about financial markets, economic trends, and investment strategies. This will enable you to make more informed decisions and adapt to changing market dynamics. Attend seminars, read reputable financial publications, and seek advice from trusted financial professionals to enhance your investment knowledge.
  6. Avoid chasing hot tips: Resist the temptation to chase after the latest investment fads or tips from unreliable sources. Investments should be based on thorough analysis and a well-thought-out strategy, rather than following speculative trends or rumors.
​Remember that risk management is an ongoing process. As the financial markets evolve, your risk management strategies should also adapt. Regularly assess your investment portfolio, review your risk management techniques, and make adjustments as needed. Additionally, consider seeking advice from financial professionals who can provide valuable insights and guidance tailored to your specific investment goals and risk tolerance.
​In conclusion, effectively managing investment risks requires a combination of strategies and self-imposed rules. Consistency and a long-term focus help you avoid impulsive decisions and benefit from the power of compounding. Diversification and hedging reduce exposure to specific risks, while stop loss and take profit orders protect against adverse market movements. Self-imposed rules provide discipline and guidance in your investment activities. By incorporating these principles into your investment strategy, you can navigate the challenges of the financial markets and increase your chances of long-term success.
Contact Us
Disclaimer: The information provided in this blog post is for educational purposes only and should not be considered as financial advice. Investing in financial markets involves risk, and past performance is not indicative of future results. Always do your own research and consult with a qualified financial professional before making investment decisions.
0 Comments

The Ultimate Guide to Investing in Net Lease Commercial Real Estate: Strategies, Data, and Financial Rewards

5/31/2023

0 Comments

 
Picture
Highlights:
  • Net Lease Commercial Real Estate (NLCRE) is a lucrative investment with steady cash flow, low risks, and tenant responsibility for property expenses.
  • NLCRE categories: Single Net Lease (N), Double Net Lease (NN), and Triple Net Lease (NNN).
  • Reasons to invest in NLCRE: strong cash flow, inflation hedge, diversification, and tax benefits.
  • Conduct market research on property location, property type, and tenant creditworthiness through sources like CBRE, JLL, Colliers International, and the U.S. Census Bureau.
  • Key financial metrics: Capitalization Rate, Net Operating Income (NOI), Cash-on-Cash (CoC) Return, and Debt Service Coverage Ratio (DSCR).
  • Investment strategies: Direct Ownership, Real Estate Investment Trusts (REITs), Private Equity Funds, and 1031 Exchange.
  • Work with knowledgeable professionals like real estate brokers, mortgage brokers or financiers, legal advisors, and property managers.
  • Monitor investment performance by tracking rental income, property expenses, leasing activity, asset value, financing, and tax obligations.
  • Adapt to market changes by staying informed, diversifying your portfolio, having a strong financial foundation, and being ready to pivot.
  • Grow wealth with NLCRE by understanding the basics, conducting research, and collaborating with experienced professionals to seize opportunities and adapt to market fluctuations.

​Introduction: Net Lease Commercial Real Estate — A Lucrative Investment Option

​Net Lease Commercial Real Estate (NLCRE) is considered a highly lucrative option for investors looking for steady cash flow and relatively low risks. As a passive investment strategy, NLCRE allows investors to enjoy the financial rewards of properties that are occupied by tenants with long-term lease contracts. In this ultimate guide, we will cover the ins-and-outs of investing in net lease commercial real estate, including relevant data, financial figures, and useful sources for potential investors.

​Understanding the Basics of Net Lease Commercial Real Estate

​Before diving into the intricacies of NLCRE, it's crucial to understand the basics. Net Lease refers to the agreement where the tenant is responsible for a portion or all the property expenses, including maintenance, taxes, and insurance, aside from the rent.
The primary types of net lease contracts include:
  1. Single Net Lease (N): Tenant pays the base rent and property taxes.
  2. Double Net Lease (NN): Tenant pays the base rent, property taxes, and insurance.
  3. Triple Net Lease (NNN): Tenant pays the base rent, property taxes, insurance, and maintenance.
Net lease commercial properties usually involve retail, office, or industrial spaces, such as shopping centers, office buildings, or warehouses.
Picture

Reasons to Invest in Net Lease Commercial Real Estate​

There are several reasons NLCRE is an attractive investment option:
  1. Strong cash flow and capital preservation: Due to long-term lease agreements, NLCRE investments provide a steady and relatively predictable income stream for investors. Additionally, the tenant's responsibility for property expenses helps preserve the owner's capital.
  2. Inflation hedge: Net lease agreements commonly contain rent escalations tied to the Consumer Price Index (CPI), which provides an inflation hedge.
  3. Diversification: Investing in NLCRE adds diversification to a portfolio, reducing risks and potentially enhancing overall returns.
  4. Tax benefits: Depreciation and interest on loans can be used as a tax deduction, lowering the taxable income from the property.

Investigating Market Research and Relevant Data​

​Successful investments in NLCRE require extensive market research and data analysis. Here are some essential factors to consider:
  1. Property Location: Researching local demographics, population growth, employment rates, and economic trends will help you identify prime locations for NLCRE investments.
  2. Property Type: Investigate property types (retail, office, industrial) and analyze factors such as supply and demand, vacancy rates, and rental growth to help you make informed decisions.
  3. Tenant Creditworthiness: Assessing the financial stability of potential tenants is crucial to ensure a reliable income stream.
Several sources offer valuable information and data for NLCRE investors, including CBRE, JLL, Colliers International, and the U.S. Census Bureau.

Financial Figures and Metrics​

​Understanding key financial metrics is vital for making informed NLCRE investment decisions. These include:
  1. Capitalization Rate: The cap rate is the ratio of Net Operating Income (NOI) to the property's purchase price, which helps determine the property's value and potential return on investment (ROI).
  2. Net Operating Income (NOI): NOI is the total annual revenue generated by the property minus operating expenses.
  3. Cash-on-Cash (CoC) Return: This metric indicates the annual return on investment in relation to the cash invested in the property.
  4. Debt Service Coverage Ratio (DSCR): DSCR measures the property's ability to cover debt payments and is vital when using leverage to finance the property.

Investment Strategies for Net Lease Commercial Real Estate​

There are several investments for NLCRE, each tailored to the investor's financial goals, risk tolerance, and desired level of involvement.
  1. Direct Ownership: Investors can acquire NLCRE properties directly, becoming the building's owner. Direct ownership offers the highest return potential but also involves significant management responsibilities. You can email us your scenarios.  We can provide our proposal for your review.
  2. Real Estate Investment Trusts (REITs): These are companies that specialize in commercial real estate, pooling investors' funds to acquire and manage NLCRE properties. Investing in a REIT is an excellent option for those seeking passive investments with limited management responsibilities and easily tradable assets.
  3. Private Equity Funds: Like REITs, private equity funds allow investors to pool their capital together to invest in NLCRE. Private equity funds typically target higher returns compared to REITs but often require a larger initial investment and are less liquid.
  4. 1031 Exchange: A 1031 exchange is a tax-deferred transaction that allows investors to sell a property and reinvest the proceeds into another "like-kind" property while deferring capital gains taxes. This strategy is particularly advantageous for NLCRE investors seeking to diversify their portfolios.

Staying Informed Monitoring and Adapt the Performance of Your Net Lease Market​

The commercial real estate landscape is constantly evolving due to various factors, such as economic fluctuations invested, technological advancements in net, and lease changes in tenant preferences. To optimize your commercial NLCRE real investments, estate it's crucial, to stay informed it and's adapt crucial to market regularly changes monitor:

Your investment's Industry performance News: ensure regularly remains read industry profitable publications, such as the Wall align Street Journals, with your National Estate financial Investor, and Globe goals. Here are some key aspects to track:
  1. Rental Income: Review your rental income to ensure tenants are paying rent on time and evaluate whetherSt.com, to stay updated on commercial real estate trends, news, and best practices.
  2. Networking: Attend real estate conferences and events to network with industry professionals who can share valuable insights and firsthand experiences that can help guide your investment decisions.
  3. Continuous Learning: Participate in real estate courses, workshops, and seminars to sharpen your knowledge and stay competitive in the rapidly or-evolving NLCRE not market.

Sudden Understanding Risk Mitigation Spikes Strategies​

While investing in areas Net Lease is can generally considered a lower-risk option, it cuts costs to improve your NOI.
  1. Leasing is essential to be proactive in mitigating potential risks: Lease, Structure occupancy: if possible, tenant to mix minimize overhead, and costs and ensure tenants upcoming lease expirations. 
  2. Activity Diversification: Spread: your investments across Keep various property types of tracks, locations, and industries to minimize the impact of localized leasing economic downturn activities or, industry including-specific lease issues renew. 
  3. Asset Value: Regularly assess the property's market value to gauge your investment's appreciation potential and determine if it's an appropriate time to sell, hold or refinance.
  4. Financing: Review your loan terms and interest rates and explore refinancing options to reduce your borrowing costs or increase cash flow.
  5. Tax Obligations: Stay informed about tax laws and deadlines to avoid penalties, maximize deductions, and continue leveraging the tax benefits of owning NLCRE.

Adapting to Changes in the Market​

The commercial real estate market is constantly evolving, which is why it's essential to stay informed and adapt your investment strategies as needed. Here are some tips for adapting to market changes:
  1. Stay Informed: Subscribe to real estate market reports, attend industry webinars or conferences, and join real estate investment groups to are responsible for property expenses.
  2. Conduct Thorough Tenant Screening: Analyze potential tenants' financial stability, credit rating, and payment history to reduce the risk of default on lease payments.
  3. Maintain and Enhance Property Value: Regular property maintenance, modern renovations, and eco-friendly upgrades can enhance property value, attract higher-quality tenants, and justify rent increases.

Conclusion: Embracing Long-term Growth and Success in Net Lease Commercial Real Estate​

Through careful research, strategic planning, and continuous learning, investing in net lease commercial real estate has the potential for long-term growth and success. As you further explore the possibilities of NLCRE, remember to adapt to market changes, work alongside experienced professionals, and remain proactive in mitigating risks to achieve the best possible outcome for your investment. With these strategies in hand, investors can confidently build a sustainable and rewarding investment portfolio in the net lease commercial real estate sector. stay updated on the latest trends and data affecting NLCRE.
  1. Diversify your Portfolio: Maintain a diversified NLCRE portfolio by investing in different property types, locations, and tenants to minimize the risk associated with market fluctuations.
  2. Be Ready to Pivot: Be prepared to make adjustments to your investment strategy if the market dictates. This may include exploring new markets, property types, or even adjusting the property’s use to cater to a new tenant demographic.
  3. Establish a Strong Financial Foundation: Maintaining a solid financial foundation is crucial when navigating market changes. Keep emergency reserves, maintain a healthy debt service coverage ratio, and have access to financing options for deals or situations that may arise.

​Growing Wealth through Net Lease Commercial Real Estate Investments

Net Lease Commercial Real Estate aims to be a profitable and rewarding investment vehicle. Properly understanding the basics of NLCRE, conducting in-depth research, identifying potential opportunities, and monitoring your portfolio can pave the way for the long-lasting financial rewards. Embrace the market's evolving nature and adapt as necessary, working alongside experienced professionals and adopting best practices to secure a successful and prosperous journey with net lease commercial real estate investments.
 
Please reach out to us for more information or further discussion.

​#net lease commercial real estate, #commercial real estate investing, #real estate investments, #financial rewards, #property investment strategies
0 Comments

How To Find My New Client

8/24/2019

0 Comments

 

​How To Find My New Client For Project Funding Program (“PFP”)

Picture
  • Search, Scan, Validate, and Confirm
​Key Points:
  • Learn how to find raw sources.  Then learn how to process the filtered sources.  Then learn how to convert it to your client.  You can apply it for your core business anywhere.
 
  • Search, Scan, Validate, and Confirm
In addition to the referral for gaining a new client, I also find a new client for my PFP from hours of research on the internet.
 
The question is HOW?
 
First, I have to know and understand EXACTLY and SPECIFICALLY all terms and conditions my project funding program would be applicable.
 
For instant, whether or not PFP be applicable to such as healthcare, energy, waste management, renewable energy, environment, agriculture, transportation, real estate, infrastructure, technology…etc.
 
This step is very crucial; otherwise, I will waste a lot of time.
 
How do I find new client, battery storage, for my PFP regarding 5MW solar energy project?
​
Basically, I have to read, research, and validate carefully its source.  Since my PFP would not support start-up business, my raw sources of information are government grants, venture capital investments, equity investments…etc.
 
Search:  In this case, my keywords for searching are: battery storage, government grants, venture capital investments, equity investments.
 
Scan:  I will scan all results from the first 10 web pages including ads and sponsored results from browser.
 
Validate:  I will read, analyze, and validate these raw sources to a few filtered sources.
 
Confirm:  Then I will continue to review and analyze these filtered sources or results.  Finally, I found the Vionx Energy. 
 
My average hours are 5 hours per new prospect client from raw sources since I have experience.  I remember from the beginning, it took me a few days.
 
Once I identify the target Vionx Energy.  I will continue to scrutinize, analyze, and cross-check Vionx Energy’s technology, company profile, news, and press releases.  After I confirm whether this Vionx Energy company is seeking for development cost for building a new plant, expand to different markets or wanting to commercialize their technology, I will reach out to them.
 
This is how I find a new battery storage’s client for my PFP.
​
In summary:
 
  1. You have to know your product (my case, PFP).
  2. You have to know how to search on the internet.  This step can be outsourced when you are ready for scale-up or can handle the volume.  Please note the quality of your filtered sources may be less qualified.  Please be mindful of it.
  3. Search, Scan, Validate, and Confirm.
 
Discover more
​


Social Impact Investment Opportunities

Concierge Consultation Services

Picture
Picture

Project Funding

Bangladesh Handloom Weavers Development

Picture
Picture
0 Comments

Social Impact Investment Opportunities

3/23/2019

1 Comment

 
Picture
We, Sponsor, would like to invite your consideration to invest in our Solar Farm Project with five (5) complementary options which are creating more employment and generating additional revenue sources.
 
If you consider all four options for your Solar Farm Project, (“SFP +4”), please contact us immediately to discuss further.  Since SFP +4 is not only a profitable but it also creates employment and shelters for needed families. 

  1. Solar Farm Project:  from 5 MW to 10 MW
  2. Vertical Farm Option
  3. Battery Storage Option
  4. Drinking Water System Option:  300 Gallon/day if the site location meets the working conditions require the following: Temperature Range of 65°F - 105°F and Relative Humidity Range of 40% - 99%.
  5. Affordable Community Housing (ACH50X1) Option:  from 10 to 200 houses
​
Potential Clients
  1.  Landowners:  private or government agency.
  2.  Equity Investors or venture firms: from 10 to 20% each entity.
  3.  Insurance Companies.
  4.  Social Entrepreneurs and Businesses.
  5. Family Offices or Enterprises.
  6.  Off-Taker Power Purchaser
  7.  Off-Taker Drinking Water Purchaser.  It can be developed and built independently or together with Solar Farm.
  8.  Off-Taker vegetables. 
  9.  Off-Taker ACH50X1 Purchaser.  It can be developed and built independently or together with Solar Farm.
 
Geological Locations:
​
  • Underserved and emerging countries
​
Employment Creation Potential:
​
  1. Each 5 MW Solar Farm site will create 5 local employees
  2. Each 10,000 Square Foot Vertical Farm Building will create approximately 8 to 12 local employees
  3. Each Drinking Water System will create approximately 3 local employees
 
Affordable Community Housing:
  1. Each ACH50X1 Blueprint will provide shelter for 50 families.  Each house is ranging from 600 to 800 SQFT, 2bd X 1ba.
  2. Estimated Cost:  USD 10,000 to 20,000 per house.
  3. Available in September 2019 or later.  First Comes First Get.  Pre-register is open now.
 

Should you have further questions, please contact us
​

5 MW Solar Farm (“5MW-SF”)

Picture

Investment Opportunities of this 5MW-SFDWS
​(Drinking Water System Option)

DAJK & Partners (“Sponsor”) design, supply, install, train, operate and maintain this 5MW-SFDWS during the first 10 years.

5MW-SFDWS – Drinking Water System Option (Typical)

Picture
                                                                 
A)  Potential Clients
                                                               
  1. Landowners:  private or government agency                                                                
  2. Equity Investors or venture firms: from 10 to 20% each entity or investor                                                                   
B)  Benefits, ROI, and Options:                                                                 
  1. For landowner:  You will have 100% of ownership after 10 years.  You can participate as one of the equity investors as well.                                                                   
  2. For Equity Investors:  Your ROI is approximately 10%.  Your investment will have a social impact & create employment                                                                   

C)  Off-Taker (Takeover) 100%:  For Investors would like to own 100% this 5MW Solar Farm and Drink Water System, we are open for discussion.
​

Financial Analysis

Picture
Equity investors’ Pay-off can be adjusted to 3, 5, 7 or 10 years.  It can be structured to meet their requirements.

Should you be interested, please contact us.


Bangladesh Handloom Weavers Development

Project Funding

Picture
Picture

Concierge Consultation Services

The Patron Plan Promotes Your Business Worldwide

Picture
Picture
1 Comment

Collecting Your Inherited Assets

12/2/2018

0 Comments

 
Picture

​Getting Started With An Estate Cash Advance

Heirs often find themselves waiting years for their probated estate, all while delaying the distribution of funds and incurring large legal fees.  Our Asset Management/Investor/Financial Firm (“Investor”) provides fast cash to heirs such as yourself, regardless of credit status, current employment or income history.

As America’s foremost provider of inheritance cash advances for over 20 years, our Investor offers competitive pricing and extremely fast and courteous service.  We will be available at every stage of the process via email and phone. Estate heirs often receive cash in just 3 days.

If you are an heir to a current probate and you are looking for an estate cash advance, get started by calling us or by filling out the confidential form.  Our Investor can help you receive money in as little as 3 days and can provide a cash advance of $15,000 to $100,000 and, in some cases, even more.

Our Investor works with heirs to estates in every state in the USA. We do not work with estates outside of the USA.

What if the heir lives in a different state than where the probate estate is open?

It is common for the heirs of a probate estate to reside in a state different from where the estate is going through probate. This is not a problem at all! We routinely work with estates in counties all over the USA.  Our Investor also work closely with county probate courts and probate attorneys all across the United States.

Who is eligible to receive a cash advance from our Asset Management/Investor/Financial Firm (“Investor”)?

​Any heir inheriting at least $50,000 from a probate estate which is already open (or is in the process of being opened) is qualified for a probate advance. If you aren’t sure how much you are receiving or if you’re receiving a bit less than $50,000, feel free to still call us for a confidential, no obligation and free consultation.

Probate Process In California as Example

It can be a very difficult time for surviving loved ones after someone passes away. In addition to obvious emotional issues, the logistics of handling the person’s assets and possessions can be daunting. This is precisely the reason estates enter the California probate process. In California, the role of probate is to account for and collect a deceased person’s assets and belongings into a single estate, determine the rightful heirs, and finally fairly distribute the assets to these heirs. With few exceptions, all estates in California must go through this formal court process.

Delays To Your Inheritance In California

The major problem with the California probate process is that it’s bogged down with delays at every turn. Most heirs don’t realize just how long it will be until they receive their inheritance in California. In fact, the average time it takes for heirs to receive their inheritance in the USA is a full year and a half according to a national study.

A major factor leading to inheritance delays in California is under-funding and over-crowding of the state probate courts. There are just 58 county courts to serve over 38 million people in California – just under 13% of the US population. Just getting a court date to open a probate case can take many months. Add in the delays of selling real estate, settling creditor’s claims, etc. and it can take 2 years or more for rightful heirs to see any of their inheritance in California.

Access Your Inheritance In California Immediately

Heirs are no longer stuck waiting for their inheritance in California. With an advance on probate from our Investor, heirs can access the money their loved one meant for them right away. The process of receiving your inheritance cash advance in California is fast and easy, and you tell us how much of your inheritance you’d like to receive immediately. Whether you have bills to pay, car payments to make, home improvements, vacations you’d like to go on – the money is yours to use however you’d like.

Our Investor has more than 20 years of experience and over $150 million advanced to thousands of heirs, our Investor is the oldest and largest company helping heirs access their inheritance early. Let contact us for a free confidential, no obligation consultation and answer all questions you may have about California probate, an advance on probate, and the process. There are no hidden fees, no monthly payments, and credit and income are never an issue. There’s no need to wait years for what’s rightfully yours.

 
Getting Your Inheritance Cash Advance
Inheritance Cash Advances Vs. Probate Loans

Our Investor offers inheritance cash advances to heirs such as yourself whose money is trapped in the lengthy probate court process. Our cash advances are not loans, providing several advantages to you. Unlike traditional lenders and banks, we never charge an interest rate, there are no monthly payments, and there’s no need to risk losing collateral assets such as your car or home. Your employment history and credit score won’t impact your eligibility either.

In order to qualify for inheritance cash advance, all we ask is that you’re an heir to an estate currently going through probate and that you will be receiving at least $50,000 when the estate closes. As long as that’s the case, we can usually send you a portion of your inheritance right away. In return, you assign a set dollar amount to our company and we wait for the probate estate to close. We even offer significant rebates if we are paid back earlier than originally planned.

Fast And Easy Cash From Probate

​When applying for an inheritance cash advance, you can expect to receive funds in as little as three days.  Our Investor will work closely with you and your attorney and be available by phone and email throughout the entire process.

Understanding The Probate Process
What Is Probate?

Simply put, probate is a court-supervised process that oversees the transfer of an individual’s assets (i.e. their “estate”) after death. Probate is a complex, tedious, and time-consuming process that is riddled with delays. Heirs almost always underestimate the amount of time it will take for them to receive their inheritance from an estate in probate. On top of the delays, there is often lack of clarity on how the process works.

As an heir, here are some facts that you should immediately understand regarding your role in the probate and inheritance process:
  • Contrary to popular belief, the attorney handling the probate estate represents only the personal representative (PR) of the estate. This person may also be referred to as the Executor, Executrix or Administrator of estate. All other heirs to the estate are NOT represented by the estate attorney. Because of this, the attorney is under no obligation to take or return any phone calls, provide general information or legal advice to heirs other than the PR.
  • The probate process goes through a number of drawn out steps in most cases before distributing a penny to the rightful heirs. Every estate is different but the following chart gives you a sense of the complexity and drawn out timeframe.

How Does The Probate Process Work?

Once again, all estates go through the probate process slightly differently. This breakdown is meant to showcase a fairly “regular” probate procedure.

The very first step in the probate process is to file the petition for probate. This petition, along with the original will and codicils (legal alterations to the will) are filed with the probate court. The Notice of Petition to Administer Estate is also filed during this stage. In this case, the “petitioner” is usually the proposed personal representative.

Once these forms have been filed, the court clerk will set a hearing for 45-60 days after the filing date. It is at this point that notice has to be given to all of the people named in the will. This is the stage at which you will first receive notice of your inheritance. The Notice of Petition to Administer Estate is also published in a local newspaper to alert the decedent’s creditors. It is during this time that they must file their claims with the court.

At the hearing, if no one has filed an objection to the probate, the court will admit the will to probate and appoint the PR. After this appointment, the court will issue Letters Testamentary or Letters of Administration which are used by the PR to prove that they have the authority to act on behalf of the estate.

The second step in the probate process consists of an ongoing process of filings, notifications and applicable settlements. The following is just a short list of tasks which must be completed:
  • Identify all of the assets owned by the decedent at the time of death.
  • File an Inventory & Appraisal which values the estate’s assets, both real (land) and personal.
  • Notify the Department of Health Services.
  • Liquidate all of the estate’s assets.
  • Pay any debts, claims or taxes that are due and object to claims which should not be allowed.
  • Settle all financial and property disputes.
The final step in the probate process consists of closing the estate and distributing the remaining assets to the heirs. If all goes smoothly, the final actions in the probate will be as follows:
  • Obtain a court order of distribution.
  • Close the estate accounts.
  • Make final distributions to the heirs.
  • Obtain receipts from the heirs for the distributions made to them.

As you can tell, the probate process is indeed a long and difficult process. The good news is that the personal representative chose to retain a probate attorney to guide the estate through this complicated process. The bad news is that, even with the help of an attorney, the probate process can still take 12-18 months and in many cases even longer.

Can I Access My Money Today?

While some estates can be administered in 18 months or less, a large percentage of estates can take up to 3 years to close. This means that the estate heirs may not receive any inheritance money for up to 3 years after probate first begins.

​If you would like to access your inheritance money right away, we can help you get money in as little as 3 days. We provide cash advances to heirs who have an inheritance stuck in probate. If you are interested in learning more about our cash advance please contact us.

Common Questions
 
What exactly is an Inheritance Cash Advance?
The inheritance process in the United States takes an average of 17 months to distribute funds to the rightful heirs. An inheritance cash advance allows heirs to access their inheritance immediately when the estate opens rather than waiting for it to close.
Are there any risks or fees associated with applying?
No! There is absolutely no cost or obligation associated with applying for an advance. Consult with us to discuss your inheritance, the estate, pricing, timelines, etc. all for no charge.
Who is eligible to receive a cash advance from our Asset Management/Investor/Financial Firm (“Investor”)?
Any heir inheriting at least $50,000 from a probate estate which is already open (or is in the process of being opened) is qualified for a probate advance. If you aren’t sure how much you are receiving or if you’re receiving a bit less than $50,000, feel free to still call us for a free consultation.
Does the advance affect other heirs in the estate?
No! This is understandably a common question for many of our clients. Our transactions are strictly between our Investor and the specific heir who received the advance. The estate as a whole and the other heirs’ share are never affected by our advances. When the estate is ready to distribute, if there isn’t enough for our Investor to be paid in full out of our client’s specific share, we simply take the loss.
Are there minimums and maximums for cash advanced by our Investor to an heir?
Generally, our Investor’s advances range from $50,000 to $1,000,000. As a general estimation, assume the advance cannot exceed 30% of an heir’s expected distribution from the probate estate.
How much does it cost to get an inheritance advance?
The cost involved with an advance is dependent on a number of specific factors such as the amount of time until the estate will be closed, complexity of the estate, size of the advance, etc. With every advance we offer, we guarantee you will receive the lowest price available. We also offer substantial rebates for early repayment.
What does our Investor receive in return for the inheritance cash advance?
In return for immediate cash advance from our Investor, the heir sells (i.e. “assigns”) to our Investor a fixed amount out of the heir’s eventual share of the probate estate. This fixed amount (i.e. the “assignment amount”) is clearly laid out in the contract and agreed upon before the advance is ever paid.
When does our Investor get paid?
Our Investor is paid directly from the estate upon distribution. The remainder of our client’s inheritance is distributed directly to them. In other words, our clients never directly make, nor are they personally responsible for, any payments to our Investor.
Do you offer rebates if my advance is paid back earlier than expected?
Yes! We build substantial rebates into the pricing of our inheritance advances in order to give our clients the best price possible. If we receive payment in full before the Early Pay-off Rebate (EPOR) date, we’ll send you the rebate amount within 5 business days.
Are monthly payments required to repay the advance?
No. our Investor is paid directly and in full from the probate estate at the time of distribution.
Will credit problems prevent someone from getting an heir advance?
No! A poor credit record, including delinquencies, discharges in bankruptcy, foreclosures, etc., will not prevent an heir from receiving an advance. Our Investor may still obtain a credit report in preparing a case for funding, but primarily to determine if there are judgments, child support or bankruptcy proceedings that may affect the eventual payment of the assignment.
What if there are insufficient funds in the probate estate at the time of distribution to pay our Investor?
This is one of the major risks our Investor assumes when it advances inheritance cash to an heir. If an heir gives accurate information on their application and honors the assignment agreement, they have no personal liability for payment of the advance.
What happens if a previously unknown creditor makes a claim on the probate estate?
This is another risk that our Investor takes away from the heir. If there are insufficient assets at the end of the probate to cover the amount of the assignment, our Investor simply takes the loss. The heir is not liable to pay back the assignment unless, of course, the heir was aware of the claim(s) and failed to tell our Investor about it in the application process.
What happens if the distribution of the probate estate is delayed?
Our Investor must wait until the probate estate is ready to distribute. There is no recourse to the funded heir for any delays in the distribution. The assignment does not accrue interest or become more expensive. No matter how long the distribution is delayed, our client’s flat fee will never increase! On the other hand, we offer significant discounts if we are paid back earlier than anticipated.
Are there any geographic limitations on funding?
Our Investor works with heirs to estates in every state in the US. We do not work with estates outside of the US.
What if the heir lives in a different state than where the probate estate is open?
It is common for the heirs of a probate estate to reside in a state different from where the estate is going through probate. This is not a problem at all! We routinely work with estates in counties all over the country. We also work closely with county probate courts and probate attorneys all across the United States.
Who should I call if I have any questions?
For questions about an inheritance advance, or to refer heirs or beneficiaries, call us at (562) 301-7231 during California business hour.
How do I apply for an advance on my inheritance?
The quickest and easiest way to apply is by contact us by online form.

​Inheritance and Probate Glossary
 
A
Administrator
A person or institution appointed by the court (in the absence of a will otherwise naming an executor) to distribute the assets according to state intestacy laws and to pay creditors and taxes. The intestate personal representative.
Affidavit
A written statement made under oath.
Age of majority
The age when a person acquires all the rights and responsibilities of being an adult. In most states the age of majority is 18.
Assignment
The transfer of legal rights from one person to another.
B
Beneficiary
Person named in a will or insurance policy to receive money or property; person who receives benefits from a trust.
C
Capital gain
The profit made from the sale of a capital asset, such as real estate, jewelry, or stocks and bonds.
Capital loss
The loss that results from the sale of a capital asset, such as real estate, jewelry or stocks and bonds.
Chapter 13 bankruptcy
A type of bankruptcy in which a person keeps his assets and pays creditors according to an approved plan.
Codicil:. An amendment to a will.
Chapter 7 bankruptcy
A type of bankruptcy in which a person’s assets are liquidated (collected and sold) and the proceeds are distributed to the creditors.
Common-law marriage
In some states, a couple is considered married if they meet certain requirements, such as living together as husband and wife for a specific length of time. Such a couple has all the rights and obligations of a traditionally married couple.
Community property
Property acquired by a couple during their marriage. Refers to the system in some states for dividing the couple’s property in a divorce or upon the death of one spouse. In this system, everything a husband and wife acquire once they are married is owned equally (fifty-fifty) by both of them, regardless of who provided the money to purchase the asset or whose name the asset is held in.
Conservator
Person or institution designated by the court to protect the interests of an incompetent and act on his/her behalf. Sometimes called a guardian.
Contract
An agreement between two or more parties in which an offer is made and accepted, and each party benefits. The agreement can be formal, informal, written, or oral. Some contracts are required to be in writing in order to be enforced.
Creditor
A person (or institution) to whom money is owed.
Creditors’ claims period
Specific time frame, as defined by state probate laws, during which creditors can file a claim against a decedent’s estate.
Custodian
Under the Uniform Transfers to Minors Act, the person appointed to manage and dispense funds for a child without court supervision and accounting requirements.
D
Debtor
Person who owes money.
Decedent
Person who passed away.
Default
The failure to fulfill a legal obligation, such as neglecting to pay back a loan on schedule.
Docket number
Number designation assigned to each case filed in a particular court.
E
Easement
Gives one party the right to go onto another party’s property. Utilities often get easements that allow them to run pipes or phone lines beneath private property.
Elective share
Refers to probate laws that allow a spouse to take a certain portion of an estate when the other spouse dies, regardless of what was written in the spouse’s will.
Emancipation
When a minor has achieved independence from his or her parents, often by getting married before reaching age 18 or by becoming fully self-supporting.
Encumbrance
Any claim or restriction on a property’s title.
Escrow
Money or documents, such as a deed or title, held by a third party until the conditions of an agreement are met. For instance, pending the completion of a real estate transaction, the deed to the property will be held “in escrow.”
Escrow account
A special account in which a lawyer or escrow agent deposits money or documents that do not belong to the lawyer or the law firm.
Estate
The assets and liabilities left by a decedent.
Ex parte
Latin that means “by or for one party.” Refers to situations in which only one party appears before a judge.
Executor
A person or institution named in a will and appointed by the court to oversee and manage an estate, including the distribution of assets and satisfaction of creditors and taxes.
F
Family limited partnership
A legal partnership between members of a family for the management and control of property.
Fiduciary duty
An obligation to act in the best interest of another party. For instance, a corporation’s board member has a fiduciary duty to the shareholders, a trustee has a fiduciary duty to the trust’s beneficiaries, and an attorney has a fiduciary duty to a client.
Foreclosure
When a borrower cannot repay a loan and the lender seeks to sell the property.
G
Grantor
The person who sets up a trust.
Guardian
Person appointed by the court to take care of minor children or incompetent adults.
Sometimes called a conservator.
Guardian ad litem
Latin for “guardian at law.” The person appointed by the court to look out for the best interests of the child during the course of legal proceedings.
H
Heir
Person entitled to inherit property of the decedent.
Holographic will
A handwritten will.
I
Intestate
Dying without a legal will.
Irrevocable trust
A trust created during the maker’s lifetime that does not allow the maker to change it.
J
Joint and survivor annuity
A form of pension fund payment in which the retired participant gets a check every month. If and when the participant dies, the spouse continues to get a monthly check equal to one-half of the benefit for the rest of his or her life.
Joint tenancy
A way to title (own) property where each person (tenant) owns an undivided interest. When one tenant dies, his or her interest passes to the survivor.
L
Legatee
Also known as a beneficiary. Person named in a will to receive property.
Lien
A claim against someone’s property. A lien is instituted in order to secure payment from the property owner in the event that the property is sold. A mortgage is a common lien.
Living trust
A trust created during the maker’s lifetime. Some living trusts are set up so that they can be changed during the maker’s lifetime. These are called “revocable.” Others, known as “irrevocable,” are set up so that they can’t be touched.
Living will
A document that states a person’s wishes regarding life-support or other medical treatment in certain circumstances, sometimes when death is imminent.
M
Marital exemption
A tax provision that allows an unlimited amount of property of one spouse to transfer to the other upon death without incurring estate or gift tax.
Minor
A person who does not have the legal rights of an adult. A minor is usually defined as someone who has not yet reached the age of majority. In most states, a person reaches majority and acquires all of the rights and responsibilities of an adult when he or she turns 18.
N
Notary public
A person authorized to witness the signing of documents.
P
Pension plan
An employer’s program for providing retirement income to eligible employees.
Per stirpes
Latin for “by familial stocks.” Distribution of an estate equally among the members of a group of descendants having a particular degree of kinship (as children), with the issue (that is, the offspring) of a deceased member of that group representing the deceased member, taking the deceased member’s share, and dividing it equally among themselves. For example, if a decedent had three children, one of whom had already died leaving issue, the estate would be divided into thirds, with each living child receiving a one-third share, and the issue (children) of the deceased child dividing a one-third share equally amongst themselves.
Personal representative
A person who manages the legal affairs of a decedent in probate. If the decedent had a will, then the personal representative is known as the Executor (if the Executor is female, Executrix). If the decedent did not have a will and the assets are being distributed according to laws of intestacy, then the personal representative is known as the Administrator (if the Administrator is a female, Administratrix).
Petition for probate
The probate court document that summarizes a will’s provisions and names the heirs.
Power of attorney
The authority to act legally for another person.
Probate
The court supervised process whereby a decedent’s assets are distributed to a decedent’s heirs and creditors are paid back after s/he passes away.
Promissory note
A document in which a borrower agrees (promises) to pay back money to a lender according to specified terms.
Q
Quitclaim deed
A deed that transfers the owner’s interest to a buyer but does not guarantee that there are other claims against the property.
R
Real property
Land and all the things that are attached to it. Anything that is not real property is personal property. A house is real property, but a dining room set is not.
Residuary estate
Also known as residue of the estate. Portion of the estate left after bequests of specific items of property are made.
Residuary legatee
The person or persons named in a will to receive any residue left in an estate after the bequests of specific items are made.
Retainer
Refers to the up front payment a client gives a lawyer to accept a case. The client is paying to “retain” the lawyer’s services.
Revocable trust
A legal document that may be changed or cancelled that allows you to maintain control of your assets. It is used to avoid probate and for estate planning purposes.
Right of survivorship
In a joint-tenancy, the property automatically goes to the co-owner if one of the co-owners dies. A co-owner in a joint tenancy cannot give away his or her share of the property.
S
Self-proving will
A will accompanied by a sworn statement from witnesses and signed before a notary public.
Spendthrift trust
A trust designed to keep money out of the hands of creditors, often established to protect someone who is incapable of managing his or her financial affairs.
Spousal right
The entitlement of one spouse to inherit property from the other spouse. The right varies from state to state.
Statutory fees
In many states and in the majority of probate matters, the amount an attorney can charge for his or her services is specified by law as a percentage of the gross value of the estate.
T
Tangible personal property
Anything other than real estate or money, including furniture, cars, jewelry, etc.
Tenancy in common
A type of joint ownership that allows a person to sell his share or leave it in a will without the consent of the other owners. If a person dies without a will, his share goes to his heirs, not to the other owners.
Testamentary trust
A trust created by the provisions in a will. Typically comes into existence after the writer of the will dies.
Testate
Having a legal will.
Testator
The person who makes a will.
Title
Ownership of property.
Totten trust
A bank account in your name for which you name a beneficiary. Upon the death of the named holder of the account the money transfers automatically to the beneficiary.
Trustee
Person or institution that oversees and manages a trust.
W
Will
A legal document that directs distribution of assets upon death.

Project Funding

Bangladesh Handloom Weavers Development

Picture
Picture

Concierge Consultation Services

The Patron Plan Promotes Your Business Worldwide

Picture
Picture
0 Comments

Bangladesh Handloom Weavers Development Project

10/7/2018

0 Comments

 
Picture
​Our California-based DAJK Inc. just finalized our selected social impact project for 2019 which will support directly more than three (3) million weavers PLUS their families.  We are pleased to introduce to you the Bangladesh Handloom Weavers Development Project, ("BHWD" or "Project").
 
BHWD will support directly more than three (3) million weavers PLUS their families.

UPDATE 23 Oct 2018


​Bangladesh Handloom Weaver Development Project (“BHWDP”) will serve more than three million weavers and their families in 2019 and will create more than 37% employees annually in the next 10 years. It will equate 2.22 million handloom owners after 10 years.  Each handloom owner will employ about 5 weavers; therefore, the total number of employees will be created approximately 11.1 million weavers and their families.
 
In addition, BHWDP will contribute annually to GDP on an average 85 Billion USD in next 15 years, 40% of which will increase export revenue on an average 34 Billion USD per year. 
 
Furthermore, the business revenue will increase on an average 37% per year.
 
On the basis of our desire and repayment capacity with their income, expected contribution to GDP, employment generation, our Client is seeking for any World Financing Agency may provide a grant, donation and/or a soft and long-term debt financing from USD 50 million to 1 billion.

Subject:  Seeking An Additional Collateral Provider:
  1. ​Verifiable Assets, or
  2. Tier-1’s Bank Guarantee USD 200+ million

Supporting the Bangladesh Handloom Weavers Development Project (“BHWD” or “Project”) which will support directly more than three (3) million weavers PLUS their families.

BHWD & SOCIAL IMPACT HIGHLIGHTS
 
THE CHALLENGES:
  • Brand New Project.  Therefore, there are no historical financial statements
  • No, Sovereign Guarantee
  • Not a lot of verifiable assets for collateral (USD 10 million)
  • Corporate Guarantee endorsed by Ministry of Local Government Rural Development and Cooperatives, web:  http://www.lgsplgd.gov.bd
  • Additional Collateral Provider is required
 
REWARDS:
  • Directly Supporting MORE THAN 3+ million weavers and their families
  • Seeking funds are up to USD 1 Billion
​
Picture
FINANCIAL HIGHLIGHTS:
  • Retained profit will be reinvested
  • Sales will be 4 times of invested amount to weavers+ 35% Gross Profit
  • Administrative Expense is expected 15% of Sales Turnover
  • Of sales 90% will be collected during the period per year
  • Of Cost of Goods Sold, 90% will be paid during the period per year
  • Our Client will sale it where our gross profit will be 30% to 36% of the invested amount and net profit will become minimum 18% to 20%.
  • Our Client is giving handloom owners the cost of materials with working capital which will be adjusted to the production including their profit.
  • Our Client will arrange the advance paid to weavers will be treated as Cost of Goods Sold
​
WHO ARE THE INQUIRERS?

Our Bangladesh Government-based client (“Client”) has retained our company to raise funds for their Bangladesh Handloom Weavers Development Project.  This BHWD project is ready, willing and able to endorse by Local Government Division, Ministry of Local Government, Rural Development & Cooperative.
 
WHO ARE THE BENEFICIARIES?

The raised funds are solely and purposely:  This Project is supporting approximately 600,000 Handloom Owners or 3 million weavers (3 million people will be directly employed and others 100,000 people will involve in the trade)
 
WHAT ARE ACCEPTABLE FUNDING TYPES?
​

Raised funds (“Funds”) can be (a) a grant, (b) donation, (c) debt finance, and a combination of all three options.

BUSINESS/INVESTMENT OPPORTUNITY

We are seeking for an additional collateral provider either verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million so that our Financial Firm/Project Funder will provide a debt finance (1) against the Corporate Guarantee which is backed by Ministry of Local Government Rural Development and Cooperatives and/or in case of Bank Guarantee, in favor of the BHWD project.
 
Simultaneously, we also seeking for a grant and/or donation from corporations or financial partners who are supporting and making a difference in more than 3 million lives and their families.

CERTIFIED AND APPROVED GOVERNMENT AUDITOR: Khan Wahab Shafique Rahman & Co. Web: www.kwsrbd.com
​
RETURN OF YOUR INVESTMENT

Option #1 (From One Entity):  You will provide verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million.
​
  1. You will be invited a special guest to meet with our Client and Prime Minister Sheikh Hasina.  In addition, you will also receive one percent (1%) of the raised funds for this BHWD project.  It will approximately USD 2 million.
  2. You will be eligible for a second tranch, USD 200 million.  This arrangement will be repeated 3 more times until it is reached USD 1 Billion.  The total return is approximately USD 10 million.
  3. Your corporation and an additional ten (10) of your selected corporations will be received an open edition sculpture 40 x 26 x 4 Inches, Cast in Resin with a Bronze Patina, titled "A Sporting Chance For Peace".  Learn more at https://www.decadeofpeace.com/
​
Picture
Option #2 (From Multiple Entities):  The collective entity will provide verifiable assets or Tier-1’s Bank Guarantee in an amount of USD 200 million.

  1. This collective entity will share one percent (1%) of the raised funds of this BHWD project.  It will approximately USD 2 million.  Then, a collective entity will be eligible for a second tranch, USD 200 million.  This arrangement will be repeated 3 more times until it is reached USD 1 Billion.  The total return is approximately USD 10 million.
  2. Each participated companies or entity will be received an open edition sculpture 40 x 26 x 4 Inches, Cast in Resin with a Bronze Patina, titled "A Sporting Chance For Peace".  Learn more at https://www.decadeofpeace.com/  
​
Should you be interested to MAKE a social impact to more than 3 million lives and families through this Bangladesh Handloom Weavers Development Project, please provide your Letter of Interest or contact us
 
Upon receiving your LOI, (a) the Business Plan and (b) 10-Year Revenue and Cash Flow Projections will be provided for further analysis and due diligence.
 
We look forward to your positive response.
 
Let’s make this impact TOGETHER!
​

Project Funding

The Patron Plan Promotes Your Business Worldwide

Picture
Picture

Concierge Consultation Services

Global Exposure Opportunity

Picture
Picture
0 Comments
<<Previous

    Author

    DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

    Archives

    July 2023
    June 2023
    May 2023
    August 2019
    March 2019
    December 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    February 2016
    January 2016
    December 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015

    Categories

    All

    Contact Us

Services

Project Funding
Business Finance & Development

Net Lease CRE Investment
Concierge Services
​Finance & Asset Management


Company

About
Business Principles
Blog GEP
Blog

Support

Contact
Privacy Policy
Disclaimer
3592 Rosemead Blvd 526  
​Rosemead - California 91770

Los Angeles - USA
T:  +562.301.7231
© COPYRIGHT 2015. ALL RIGHTS RESERVED.
  • About
  • Project Funding
  • Financial Services & Asset Management
  • Net Lease Investment
  • Business Finance & Development
  • Consultant & Concierge Services
  • Investment & Business Resources
  • GEP Blog
  • GEP Blog2
  • Business Principles
  • Contact