Genius Funds is an investment firm and operates two investment funds, yielding from 5 to 9% R.O.I. weekly. These are investments in real securities, options and futures. Because Genius Funds is located outside the scope of main regulatory bodies, investment methods, that are not permitted under various regulatory statutes in the United States, UK, and other developed and developing countries, are being utilized. These investment methods are normally only available to institutional investors or professional investors. This means higher profits being passed down to retail investors.
Today’s economic environment is very dynamic and complex. Fast developing technologies and expanding financial globalization provide a wide range of investment opportunities. Globalization allows an investors to invest in a Indian mutual fund, or textile plant in Singapore, or in any number of other expanding financial markets, all without ever having to leave the comfort of their home.
Emerging economies of Eastern Europe and East Asia are now providing some of the most lucrative and healthy investment opportunity environments available. The main type of global investment is the investment fund. This investment tool attracts the resources of many investors, world-wide, and invests them in a variety of stocks, bonds, and other securities. The main advantage of an investment fund is that it provides access to a range of sophisticated investments through a managed service.
Genius Funds has two investment funds: the Emerging Markets Growth Fund (EMGF) and the World Bond Market Fund (WBMF), as well as a High Yield Deposit Account (HYDA).
The EMGF investments are made in countries with S&P ratings of BB+, or higher. Investments are diversified across many industries, focusing mainly on the country’s leading industry, one producing 20%+ of the Gross Domestic Product (GDP). For example, the KASE stock exchange of Alma-Ata, Kazakhstan (S&P rating of BBB), where the fund is invested heavily in the energy market. Kazakhstan has one of the largest underdeveloped (non-OPEC) oil reserves in the world. The energy export of this market produces a major portion of Kazakhstan’s GDP. This section of the country’s economy has a very low likelihood of investment failure. The share price of the EMGF is $1 per share, and income generated by the fund is distributed to shareholders daily, at a rate of between 1.1 and 1.9 percent, based on amount invested in the fund. Shares totaling between $10-$499 (Common shares) earn 1.1% – 1.2%, $500-$4,999 (Preferred shares) earn 1.1% – 1.4%, and Premium shares earn 1.3% – 1.9% ($5,000+).
The WBMF mainly invests in investment-grade income-only securities. However, up to 30% of its funds may be invested into equities, futures, and commodities.
The portfolio looks for long-term capital growth by investing in securities of companies located in emerging economies, in such nations as China and India, where social and/or business activity is in the process of rapid growth and industrialization, where growth potential is likely to outpace market expectations. Most countries in which Genius Funds invests WBMF have S&P ratings of BB+ or higher. Investments are diversified across many industries, focusing on industries producing at least 20% of a country’s GDP. Income generated with WBMF is distributed to shareholders weekly, at rates of 6%-6.5% for Common shares, 6.5%-7% for Preferred shares, and 7.4%-9% for Preferred shares.
The Genius High Yield Deposit Account (HYDA) combines high returns and the flexibility of your local bank. HYDA is a fixed interest deposit account with no term of deposit. This means that funds can be withdrawn at any time. The interest on the Genius HYDA is payable daily and there is a $300 minimum deposit requirement, balances falling below $300 stop earning interest. A ten-day notice must be given prior to withdrawing funds from your Genius HYDA account.
Interest rates for the Genius HYDA:
$300 – $2,000 14% Monthly
$2,001 – $5,000 18% Monthly
$5,001 – $50,000 25% Monthly
Most asset class’s brokers and bankers invest your funds in like stocks, bonds; mutual funds are getting crushed with no immediate end in sight. The government is bailing out banks, broking houses, insurers and mutual funds with handfuls of cash to stop an even worse scenario happening. So what’s the answer? You basically have two choices, do nothing and hope for the best, or take some positive action and look for better returns from other asset class investments.
1. Roll your traditional Roth IRA to a self directed Roth IRA
Why bother doing this? Simply, because you can invest in more asset classes and have more control over investment opportunities. An employee wants to earn as big a wage as possible doing a decent days work, he is not an investment guru, and hasn’t time to be running around looking after investments, so why would he take this action? Again the answer is simple, because he can use specialized people in organizations structured to look after all the issues using a turnkey approach.
2. Get a better interest rate and ROI
Under normal circumstances investors could expect to receive 7 to 8% return on their IRA retirement plan. However, things aren’t normal at the moment and probably won’t be for a long time to come. Getting these kinds of returns is highly unlikely at the moment; in fact many are turning to cash for safety with even lower interest rate returns. There are real estate investment opportunities at the moment offering a far superior return on investment. We all know real estate hasn’t been immune from worldwide financial problems. However, there are some great turn key investments available where you can invest self directed Roth IRA money to get a better ROI.
3. Use Roth IRA tax incentive to gain greater ROI on capital to compound profits
Working a normal 9 to 5 job doesn’t offer regular employees much opportunity to create wealth. Retirement saving plans are great incentives to encourage people to be self financed retirees and not rely on government pensions. But, if you want to be financially independent in retirement you may have to broaden your investment scope. One successful way to create wealth faster is to grow your original capital with better profits from greater ROI. Then use this money to reinvest and try to do the same thing again, each time you do this the capital grows. The self directed Roth IRA tax incentives enable you to speed up increasing your wealth in the account by not having to pay tax on the profits when the funds are withdrawn provided you abide by the IRS rules.
In conclusion, the financial environment is difficult today compared to even twelve months ago; just about every asset class is giving poor results. A Roth IRA investment in real estate may be a viable option worth considering to help grow your retirement income. Seek advice from a trusted financial advisor, and then find a company that specializes in proven turnkey real estate solutions that can give you a better return on your money invested.
investment corporations, also known as investment funds, are institutions of collective investment. They gather capital from the public to reinvest it collectively and diversely, therefore the investment risks are lower and the returns to the investors are in theory going to be enhanced. It is a Panama vehicle to raise third party investment funds.
Definition – An investment corporation in Panama is any judicial person (corporation or foundation), trust or contractual agreement that, through the issuance and sale of its own participation quotas, is dedicated to the business of obtaining monies from the investment public, through one time payments or periodical payments, with the object of investing and negotiating, either directly or through investment managers or administrators, investments in securities, bonds, options, futures, metals, real estate or any other recognized investment medium. The Panama investment corporations are entities that gather funds from the public to reinvest them collectively. The intent is that they can offer lower risks and costs of administration (reduced trading commissions for instance) and a professional capability of investment analysis, administration, follow up and financial control of the investment.
Investment Corporations Conducting a Public Offering in Panama
It is legally understood that a public offering of participation quotas of an investment corporation is taking place when it or its investment administrator, or another entity on behalf of it, offers securities through marketing and promotion activities in the territory of the Republic of Panama. These marketing and promotional activities are any form of communication targeting potential investors with the object of promoting the subscription or obtaining participation quotas (investments) in an investment corporation vehicle, and will be considered to be in the territory of the Republic of Panama as long as it is addressed to people domiciled in Panama. This is probably not of interest to many of you since you are reading this in English not Spanish. It is useful to read through this article to see how the law operates and how one can be excluded from registration which will probably be of great interest to you.
An investment corporation is considered to be administered in or from Panama when one of the following applies:
1. That the investment corporation designates an investment administrator in the Republic of Panama.
2. That the principal domicile of the investment corporation is located in the Republic of Panama, or the prospect or any other advertisement material indicates that it is located in Panama.
3. That the investment corporation designates a custodian in the Republic of Panama
4. That the directors necessary to adopt a resolution of the Board of Directors of the investment corporation have their domicile in Panama.
Investment Corporations Requiring Licensure with the Panama Securities Commission
1. Simple Investment Corporations: Only have one type of participation quotas and one investment portfolio.
2. Umbrella Investment Corporations: Have multiple series of participation quotas with different investment portfolios.
3. Multiple Class Investment Corporations: Have multiple series of participation quotas, each one of those series with different terms regarding the payment of commissions and subscription fees, redemptions and administrative fees.
4. Principal Fund Feed by other Funds: This is best described as an investment corporation that invests in other investment corporations.
Requirements for the Registration of an Investment Corporation in Panama
1. Name and incorporation information.
2. Legal and commercial domicile of the corporation.
3. Designation of an investment administrator who will have to have a License issued by the National Securities Commission. When the investment corporation will be administered for itself, the documentation regarding the person who will be the principal executive and the compliance officer must be submitted.
4. Designation of a custodian for the investment corporation.
5. Identification of the type of fund.
6. Authorized share capital and minimum capital to initiate the operation.
7. Amount of participation quotas required to be registered for public offering and value of the initial offer.
Documents to be Submitted with the Application
1. Authenticated copy of the articles of incorporation, which must establish that the corporation will exclusively operate as an investment corporation and the accounting books will be kept in Panama. Must be in Spanish but a certified English translation can be obtained.
2. Copy of passport or Panama Cedulla of Directors.
3. Audited financial statements or audited initial balance.
4. Curriculum Vitae of Directors and Dignitaries and Legal Representative.
5. Informative prospect of the investment corporation.
6. Signed contract with the investment administrator and signed contract with the custodian.
7. Draft Code of Conduct for those investment corporations that will assume their own administration and representation.
8. Advertisement and other publicity material that will be used by the investment corporation (everything that will be used even once).
9. Draft of the investment contract to be subscribed to every potential investor.
10. Draft Minutes of the Board of Directors establishing all terms and conditions related to the operation of the investment corporation.
Private Investment Corporations ? Registration Exempt
This type of investment corporations are not required to be registered in the Securities Commission and therefore are not subject to the rules that applies to registered investment corporations found above.
The Commission can sanction any representation or declaration that the investment corporation does, stating that it is registered in the Commission.
It is considered to be a private investment corporations when it is administered in the Republic of Panama or from the Republic of Panama, and has participation quotas that are not offered in the Republic of Panama and that its Articles of Incorporation includes one of the following two dispositions:
1. One disposition that limits the amount of effective owners of its participation quotas to 50, or that stipulated firmly that the offers for the investment will be done through private communications only and not through public communication such as web sites, newsletters, print or media ads etc.
2. A disposition that establishes that its participation quotas will only be offered to qualified investors in minimal initial investment amounts of $100,000.
The private investment corporations must designate a representative in Panama, who can be an licensed investment administrator, a securities house, a licensed investment advisor, a licensed Bank, an Accountant or a Lawyer, who must be able to dully represent the investment corporation before the Securities Commission at any time.
They must provide copy of the Articles of Incorporation, the Offering Prospectus, Audited Financial Statements, name and address of Directors. Yearly audited statements must be submitted.
When the investment corporation decides not to use an outside investment administrator, it must comply with the following:
1. The investment corporation must have at least 3 members of the Board of Directors, all of whom must have renowned business and professional honorability. They must be able to demonstrate that they are reputable well-regarded business professionals. This is generally established with reference letters, education and professional licensures.
2. At least one third of the members of the Board of Directors must have adequate knowledge and experience in fields related to securities market and financial market in general. This would be established through professional licenses, work experience, references and education.
3. Have a complete administrative and accounting organization, in addition to technical (Information Technology, Legal) and human resources for the administration of the investment corporation. They must be able to clearly demonstrate that all the pieces are in place to be able to competently and profitably administer the investment.
4. An internal code of conduct.
5. Designate a compliance officer that can ascertain all investment and due diligence requirements are being complied with.
This document was basically translated from Spanish Legalese and putting it into English Legalese which if you have ever tried it you would know it is not easy so do feel free to ask questions.
It seems that the investment banking industry has narrowly escaped Armaggedon and the survivors are waiving the bonus flags again. Intern classes are getting bigger and Business Week reported that Goldman Sachs has reclaimed the top spot as the most popular employer among elite MBA students again. If you are a career switcher and one among many MBA applicants dreaming of joining Goldman Sachs or another bulge bracket investment bank for the summer internship, this article is for you. Below we provide an overview of an investment banking interview and explain why it’s important to prepare in advance. This is especially true if you are a career switcher.
There are several types of questions which you are likely to be asked in your interview. They include career questions, educational questions, competency questions, fit questions, technical questions and industry questions.
While it’s difficult to predict which questions exactly you will be asked, there are four questions which will appear in any investment banking interview:
– The WMTYR (Walk me through your resume)
– The 3 Why’s (Why investment banking? Why our bank? Why (should we hire) you?
The answer to the first and the second questions may be quite similar to those you provided in your MBA admission interviews. Answer to the third question is a little bit more complicated and will require specific preparation.
The usual reason for interest in any specific investment bank include: (a) a strong platform, which means strong coverage teams, diverse offering of advisory and financial products, many interesting deals and opportunities to learn (b) a strong presence in specific markets or industries (c) and the most important, tons of wonderful and smart people with whom you talked with during your recruiting process and whom you really made a connection with. Networking is a critical component for your interview preparation but we will discuss this area in one of our
Why (should we hire) you? To answer this question you need to reiterate your main strengths, interest in a specific bank and a great fit you feel for the bank you are interviewing with.
You should prepare for this question especially well as a bank’s approach to this question will usually be that a person who cannot sell himself cannot sell the bank’s products and banking is definitely a sales job.
Good to know Other challenging fit questions examining your understanding of the
investment banking can be:
– What does an investment banker actually do?
– What is the role of an associate in the investment banking?
The answer to the first question will usually go in the following way:
• An investment bank serves as intermediaries between their clients
who need capital in the form of debt and equity
• It provides strategic advisory services by structuring transactions
that meet clients needs and objectives
• Overall, Investment bank works with companies on the transactions
that will enhance their value. This may include accessing capital
markets to find growth or expand operations, as well as investing in another
company through merger or acquisition. Banks are not only the
matchmaker between parties involved in a transaction, but also the primary
architects of the deal.
A typical answer to the question about the role of an associate will
go like this :
• Analyzing industry and company data related to the transaction
• Building excel models to valuate companies
• Joining strategic meetings
• Performing due diligence meetings with the clients
• Creating, editing client presentations
• Monitoring, paying close attention to documentation associated with
the deal (prospectus, internal memos)
• Managing relationship with an analyst
The most important attributes that an associate should have are:
quantitative skills, the ability to learn quickly, discipline, a strong work ethic, the ability to
work in teams, detail orientation and dependability.
While answering competency and behavioral questions you should be structured and succinct. Banks like well organized and structured thinking and will quickly dismiss candidates who ramble or cannot distinguish important points from the less important ones. We recommend creating 3 bullet points for each of your answers and putting them on the paper in advance. Practice your answers with friends and be sure that your story is consistent and flows well before the interview.
The technical part
The technical part of the interview will test your familiarity with the accounting and financial terms. This will definitely require thorough preparation even if you study at one of the top MBA programs . First of all you will need to be familiar with the financial statements and their analysis. The profit and loss statement, the balance sheet and cash flow statements are all fair game in the interview.
Secondly, you will need to have a basic understanding of the company’s valuation methods. You should be very familiar with terms such as cost of capital, cash flow discounting, multiples, accretion and dilution, LBO, CAPM, WACC and Beta.
You also may be asked how M&A and IPOs work and even be given a case study on a business situation. It is strongly recommended that you start b-school having at least a basic understanding of accounting and finance.
Here are some books that can help you.
• VAULT Guide to Finance Interviews by D. Bhatawedekhar, Dan Jacobson,
and the Vault Staff
• Vault Career Guide to Investment Banking by Tom Lott, Derek Loosvelt
and the Staff of Vault
• Heard on the Street by Timothy Falcon Crack.
• Valuation: Measuring and Managing the Value of Companies by Tom
Copeland, et al, John Wiley & Sons Inc
• Valuation: Measuring and Managing the Value of Companies
by McKinsey and Company
• Financial Modeling, 3rd Edition (Hardcover), Simon Benninga
In the industry part of the interview the interviewers will test your understanding of the industry and your professional interests.
You will be asked about financial news and trends, current articles related to investment banking, discussions of the economic environment and economic trends, trends in M&A and definitely about specific deals.
To be prepared for this part of the interview it’s advisable to start reading financial and economic newspapers and journals. The Wall Street Journal, FT and Economist are good sources to gain relevant knowledge.
A couple of additional hints:
– Know recent interesting deals executed by banks with which you are interviewing.
– Talk about deals with passion – the interviewers will test not only your level of knowledge but also your passion for IB
– And finally, always read the news in the morning before your interview
Some additional books to better understand investment banking before your interview include:
• The Business of Investment Banking: A Comprehensive Overview , by K.
• Blue Blood and Mutiny: The Fight for the Soul of Morgan Stanley , by
• The Last Tycoons: The Secret History of Lazard Frères & Co. , by
• The Accidental Investment Banker: Inside the Decade that Transformed
Wall Street , By Jonathan Knee
More entertaining books include:
• Barbarians at the Gate , By Bryan Burrough and John Helyar.
Bombardiers , By Po Bronson
• Monkey Business: Swinging through the Wall Street Jungle, By John
Rolfe and Peter Troob.
• Liars Poker: Rising Through the Wreckage on Wall Street , By Michael
Lewis, Norton Books.
Good luck with your interview!
Both the borrower and the lenders base their commercial real estate loans on many factors. There is no standard set that exist for any person looking for some financial investment backing. We have a Commercial construction mortgage broker who brings both the lender and the borrower on a common ground. There are many lenders available as well as different types of commercial real estate loans available. Here we present the much-needed information on the latest lending practices and trends.
Whether you are after small business loan rates so as to purchase a larger piece of land, you need the services of a business loan calculator. The calculator can be found very easily on most every reality-based website. You always get many pages with the calculator once you search for it on the internet. The competition factor is very high, and the borrower has a lot of choices. We hence find mortgage rates that are very low on many commercial real estate loans.
Commercial property is said to be any place of business that include the apartment buildings of five units minimum, office buildings, industrial complexes and strip malls to mention a few. To acquire a business loan for the above, you have to start by contacting a good mortgage broker. To get a small business loan rates, you just need to have a solid business plan as minimum and a portfolio. You can also support it with a recent financial history for the last two years.
There are some Commercial construction mortgages that will involve other aspects of finance. In terms of duration as well as how funding will get secured for the hard money lending, it differs so much from conventional borrowing. As a prospective borrower, it’s important to know the difference since mortgage rates are higher when it comes to hard money. Always know what can get used as collateral in case of a default. As a result, it’s always good to have a trusted broker to finalize any transaction that you have.
Even if the rules will always be there when dealing with commercial real estate loans, it’s always good to undertake some research. The research enables you to know how long the lenders have been in business and if they will cater for your needs as an investor. The bigger companies will offer you the financial support but will lack the customer touch at a personal level. To get such a lender who takes care of all your needs will need a good research and eliminate the firms that don’t meet your needs.
Always gather as much information as possible when it comes to Business Line of Credit and commercial brokers. There are those that will have their interests at heart while, for others, they will bend backwards to find the best mortgage rates for every of their clients. Be a good judge in terms of character and always follow your instincts so as to make a proper conclusion of the best broker.
People that have extra funds in their bank account often just leave it sitting there. This is a waste, as a financial investment is one of the best ways to use surplus money. However, it is important to plan the use of this money as without proper research and planning, investors can lose everything.
Before investors get started, they should think about why they are investing their money. By doing this, they are setting clear goals when they get started. This will help avoid confusion when decisions need to be made sometime in the future. Some reasons that people invest their funds are that they want to conserve existing funds, grow existing funds, or attempt to do both of these things.
What people do with the money that they have saved over the years will depend largely on their personal preferences. As many people do not take the time to make goals before they invest their money, many people find that the money that they make or conserve is misused.
In order to stop this happening, they must do some financial investment planning. This planning will consist of setting realistic goals, regular monitoring of investments and a portfolio redesign whenever one is needed. This is a very broad and simplistic money processing plan that is applicable to every individual who is considering on investing their funds. Just knowing about the process of investment is not all that an investor will need to know. Investors should be aware of all the investment options that are available to them and know which ones that they should invest in.
Those that do not want to invest in risky ventures may want to think about investing in cash investments such as currency, savings accounts, coins, gold, money orders and many other money related investment opportunities that are available. These ventures are popular as they pose very little risk to the investors. Those that have an appetite for riskier investments may want to think about investing in things like mutual funds, real estate and the stock market.
Regardless of what risks investors want to take, beginners should seek the advice of a professional. This will help them make a wise decision about how they want to invest their funds. Generally, most banks will have someone available for customers to talk to about financial investment advice. These consultants will be able to help potential investors with their queries.
Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
If you are a new in investing your potential sums, then it is a must that you go through or follow a financial alternative investment guide. You will cross a number of them online on the internet or in the magazines, newspapers, television shows, seminars, etc. in addition, to help you out in this process and make it easy for you, there are financial consultants who can guide you completely and reliably in the process.
In this messed up economy, each person needs a good financial alternative investment guide to assist them in the process of investment. Particularly, if you are a beginner, then you require a better guide in order to make your navigation through rough water quite smooth and effective, ahead. Investment is never a complex term neither it is confusing. The thing is you need to understand it precisely and apply it wisely. Let’s see in brief how to go for it in the below financial alternative investment guide.
Preliminary, you require getting hold in the universe of investment, along with the investments that you already have made in your past. It is not at all sophisticated task, if you follow a better guide for investment, as there are only few investment alternatives, basically. Secondly, you have to grasp and make yourself aware regarding the investment procedures and apply a good strategy of investment that will function effectively for you in times, both good as well as bad. Hence, having a good financial alternative investment guide for beginners will be helpful to you.
In other terms, one should comprehend to invest in a successive way in the long run. This is the second step in your guide. If you attempt to skip the first step, you will never be able to understand the next step, as they all are interlinked and associated with each other. Without knowing about the second step, one will never be capable of putting their knowledge about investment that they have been learning in the first step.
If you desire to gain good interest rates on your investments income of three percent or more, there are many investors who are transferring their sum in to the bond funds. This is indeed not a safer mode of investment. Just understand the simple logic, when the rate of interest rises, the bond values falls down considerably. This is a basic investment fact, on which one can count on the risk ratio of their interest rates. If you feel that the rate of interest may change as it has been always doing and will never rise in the upcoming future, bonds are not all a good alternative during this time.
Want to know more?
Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com
During these times, there is really no wonder if you are going to venture in investment property. A lot of people want to try this out to secure their financial status so that they can fund the education of their children or in preparation for their retirement goals. There are also some people who want to try this out so that they can create a more passive income and they will not just rely on their regular employment. No matter what your purpose could be, investment property is indeed a venture that anyone can try.
But if you want to try this out, you should also know that there are a lot of things that you still need to take into account. As you must have already known, this is not an easy venture. There are still a few important things that you need to take into account so that you will be successful with this venture. When it comes to Investment Property, you should always consider the location of the property that you are going to purchase. And in order for you to do so, you have to consider the purpose of the estate. For instance, if you are going to purchase a townhouse, apartment, or a condo, it is necessary for you to make sure that it is accessible to all the major establishments such as churches, shopping malls, restaurants, and the likes. You should also be certain that transpiration is not a problem as well as the security.
Of course, you should also never forget to consider all the expenses that you may incur when you purchase a house or a condo. You have to make sure that you are aware of the principal and the interest rates that you will have to consider as well as the required annual taxes and the regular maintenance fees. Aside from these obvious expenses, you should also make sure that you will be able to accurately assess the costs that you may incur when maintaining the condition of the foundation, walls, roof, and the likes. All of these should be covered so that you will be able to accurately estimate if you will really be able to afford venturing in investment property.
You should also never instantly agree on the price that will be offered to you. It can be very helpful if you are going to look for discounts. When it comes to investment property, you have to determine if the discount is already deducted on the gross price. This is why it may also be every helpful if you are going to learn how to negotiate with these kinds of transactions.
Then, once you have successfully closed a deal, you can look for a tenant who can really pay the required rent. This is necessary because you do not want to get a tenant who is more of a burden than an asset. You should also be certain that they are responsible enough so that they will really take care of your property.
But if you are really clueless about all of these things, then it can be very helpful if you are going to ask for the assistance of professional agents. They are really experienced with these kinds of transactions and they also know where you can get huge discounts.
There are still some things that you need to consider when it comes to investment property, but these tips should be able to give you a good start.