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Retirement Home Investment Opportunity

The opportunity for investors to earn money are varied especially when you take a look at the retirement home investment opportunity sector of the property market. We are currently seeing a growing number of investors approach the sector with a view to generating medium to long term profit on investment. Knight Frank have said that if the current curve continues, the UK retirement home supply is expected to fall from 456,400 beds to 444,700, while the population over the age of 65 is due to rise by 1 million from 11.4 million, this is the recipe for creating an acute shortage of beds by the year 2020.

The lack of care home facilities has created a situation which ultimately will need to be addressed and this is why we are looking at retirement home investment opportunities with our investors. Knight Frank are suggesting that 6,000 new beds are needed per year, but unfortunately, we are going the other way with care homes closing due to lack of investment. Many care home providers are struggling to find reasons to invest and refurbish their existing rooms due to their less desirability as many of these homes are quite older buildings with less than adequate facilities for the number of occupants and this in turn results in occupancy levels falling as people seek more up to date and more modern care in their later years.

In recent times, the case for elderly care has effectively created what some would view as a two-tier system with a vast difference between the performance of retirement home providers who are providing for privately funded residents versus those who rely on local authority funding.

We regularly see media coverage which is predominantly focussed on the struggles of retirement home operators who are catering for their residents who receive funding from the local authorities, when we see the reduction in funding from the authorities it makes it very difficult for the care home owners to provide the level of expected service.

The privately funded care homes are doing very well, these are mainly in affluent areas of the United Kingdom, areas such as the South East and South West of England.

Retirement Home Investment Opportunity

It is said that 1/3 of property wealth in the United Kingdom is now under the control of households where at least 1 of the occupiers is aged 65 and above. Drilling into the numbers even further, nearly 1 in 10 of those aged 55 to 64 are living in a household with a net property wealth of +£500,000.

The “Grey Pound” now accounts for some 76% of financial wealth in the United Kingdom and it is said they have the willingness to spend. The life expectancy of this age group is increasing year on year at a startling rate. Those that are in retirement are said to have modest incomes along with relatively high assets which ultimately translates into higher feelings of prosperity.

When the moment comes for an individual or a couple to consider the need for a retirement home, it is very clear that they are shying away from the traditional and more institutional home that their parents may have previous occupied as it does not meet their requirements. instead they are turning to their assets to funder a higher quality of care rather than that which is offered by the state.

Investing in Residential Care Homes

We are typically looking at developments that are from Victorian period properties in which they have managed to keep their original features along with generous room sizes. Often they will have operated as care homes for many years and with that there is an amazing opportunity for private financing to come in and redevelop some of this dilapidated stock and help to bridge the gap between supply and demand.

An extensive survey is done on each property along with the production of a feasibility report. This will ensure that the property is in a good position as to whether or not it is the right property to generate an income from. The typical size of the retirement home is 15 to 30 rooms and they are in areas that have a high retired population within an affluent area.

The retirement home is then renovated to a very high standard over a period of 4 to 6 months. Following the redevelopment, the retirement home is then reopened offering a luxury home from home to fee paying residents. When buying up existing retirement homes, there is often very little needed in terms of planning applications as it is normally simply a case of the property having a full refit as opposed to actual construction work.

Nursing Home Investment

When a retirement home is identified as prime for investment, a marketing strategy is developed with a unique focus to said property in order to build awareness and interest from those in the local area. Making use of modern marketing techniques and all round good PR, it allows for the full potential of the property to be fulfilled by having the right target audience learn about the offering.

Investing in Nursing Homes

Step 1: Due Diligence

The company identifies suitable properties in affluent towns and regions. The company undertakes constant monitoring of the care market and the availability of suitable properties and ensures that full commercial, technical and financial due diligence takes place on all potential properties.

Step 2: Purchase

Following a satisfactory outcome of due diligence, and provided sufficient funds are available, investment monies are used to acquire the property.

Step 3: Development

The properties are renovated into 5-star luxury care accommodation using permitted development rights where possible or the equivalent full planning requirements. The potential for extension works to existing properties and/or the construction of new build facilities to increase the number of care studios is always explored.

Step 4: Operation, sales and lettings

Upon completion of works the property is registered (or re-registered, as appropriate) with the Care Quality Commission (CQC) for the provision of residential, nursing and domiciliary care services. Comprehensive regional marketing and sales campaigns are then launched to secure sales and lettings on individual care studios and achieve/maintain target occupancy levels.

You have the opportunity to purchase a care studio within a care home on an 125 year leasehold basis. The care studio will then be managed for you and in return you will receive a fixed income. More information about our retirement home investment opportunity is available upon request.

REGISTER YOUR INTEREST

Godwin Capital Investments Loan Note Review

Following the recent announcement of FJPs partnership with Godwin Developments, we thought it would be beneficial to introduce you all to Godwin Capital Investments.

This company is the funding arm of Godwin and was established with the purpose of raising capital from a range of avenues such as the loan note market, listed bonds along with ISA’s and public listings, therefore as long as a project passes the strict due diligence checks of Godwin Developments, the funding arm will then raise capital in order to see the project through.

There are a number of partners within the property industry in which Godwin Capital Investments work with such as other property developers, joint venture partners and of course family offices. Property funding is a complex business which requires a complex approach in order to secure the capital required to get developments built.

We’ve noticed from our time working with Godwin that they see their projects through, before they have even gone out to market and identified where the funds are coming from they will be thinking and sourcing the end buyer/user.

Godwin Developments

Godwin Capital Investment

Godwin Capital Investment is a subsidiary of Godwin Developments and was set up to raise capital for the developments. The company has been very successful in attracting investors and we believe they are an excellent partner for FJP Investment to be introducing our investors to.

  • Godwin Capital No 1 – a 3 year and 5 year loan note instrument approved by a number of pension platforms
  • Godwin Capital No 2 – a 2 year loan note instrument investment with either six monthly or deferred coupon payments for cash investors only

At the end of the raise, Godwin Capital would look to launch the next SPV, namely Godwin Capital No 3, 4, 5 and so on.

Godwin Capital Investments will always select sites that suggest there is an opportunity to earn at least a 30% return on project costings. The process of selecting the right projects is thorough and is a reflection of the stringent due diligence that is deployed on any project analysis therefore ensuring the best due diligence is undertaken before an investment is made it means any probabilities are eliminated beforehand.

Godwin Capital Loan Note

Why Use Loan Notes?

Godwin Capital Investment will use a range of funding sources and from time to time use bank financing. In reality, bank funding can take typically 3 months to arrange which is the reason the capital raise arm of Godwin Developments has set about making use of a multi sourcing strategy which encompasses both high net worth and sophisticated investors along with institutions and of course family offices.

The security trustee is in place and is a representative of the interests of those who hold the loan notes (the investor). The legal charge is then held by the security trustee against the property and this effectively means a mortgage debenture is held over the assets, providing the investor with security in the event that the company were to default on the repayments.

When will interest begin to accrue on my loan note?

As soon as investment funds have been cleared into the Godwin Capital Investments’ bank account, interest on the loan notes begin to accrue.

The Godwin management team is made up of a very high calibre team of professionals with Godwin starting in the business some 15 years ago. The property board has 2 members which both have +40 years experience in the construction sector. Since the company is well respected and has 15 years worth of history, there is a massive pipeline of developments that are in-place ready to act on as when capital is raised.

  • Short term investment opportunity
  • Loan note terms of two years with income and deferred interest options
  • Minimum investment of £5,000
  • Interest earned will be 10% or 12% per annum gross dependent on type of loan note chosen
  • Secured with a first legal charge over properties purchased and a fixed and floating charge
  • Security Trustee appointed to represent the interests of the loan note holders

Godwin capital investments

The process for becoming an investor in Godwin Capital Investments loan note product is a simple and very straight forward. The first step is to register your interest for more details about Godwin Capital Investments.

REGISTER YOUR INTEREST

FJP Investment Partners With Godwin Developments

FJP have had an exceptionally busy start to 2018 and today we are delighted to announce the partnership we have entered into with Godwin Developments. We will be introducing high net worth and sophisticated investors to the 2 year loan note investment that is currently on offer from Godwin Developments.

Godwin Developments is active in regional property development and is focussed primarily towards building out and monetising its large and varied portfolio of both commercial and residential property, these assets are a mix of developments that are being developed with the option of either selling or holding for income.

The focus is on a mix of short, medium and longer term maturity in order to optimise the value and cash flow of the groups investment programme. This ultimately leads in to the balance between risk and reward while ensuring the portfolio is not weighted too heavily on any area in particular.

Godwin capital no 2

Within the property development circles which we frequent, Godwin Developments is a well-regarded entity and they have managed to build a great reputation for their work.

What makes Godwin Developments particularly attractive to FJP Investment is the very strong pipeline of development and investment opportunities they have in the pipeline throughout the United Kingdom.

Godwin Developments is operating from three locations at present; Birmingham, Nottingham and London, which is particularly useful considering our strong makeup of investors throughout the United Kingdom.

Godwin Developments

In terms of the areas in which Godwin Developments is active, they have a strong focus on an area made up between Leeds, Liverpool, Bristol and Cambridge – this pretty much takes in the main population centres of the Midlands. This segment of the UK property market is also in keeping with our own research- as all the indicators currently indicate the Midlands will be an area of strong regional growth over the coming years.

Due to a housing shortage coupled with higher rents, we have identified the Midlands and the North of England as key areas for investment in housing which is ultimately down to the consequences of an increasing population. It is very unlikely that we will see Godwin Developments going after development opportunities in London or the South East as the market is no longer the pick of the bunch, as other areas now provide higher returns and in far greater volume.

Godwin Capital

Sectors in which Godwin Developments operate

In the residential sector, Godwin Developments will have a particular focus on opportunities in:

  • Private Rental Sector (PRS)
  • Private Housing
  • Housing Associations
  • Local Council & Quasi-Governmental Bodies

In the commercial property sector, there will be a focus on opportunities in:

  • Retail
  • Fast Food
  • Discount Food Retail
  • Neighbourhood Centres

In the industrial and logistics sector, Godwin will have a focus on opportunities in:

  • Trade Centres
  • Distribution
  • Warehousing

About Godwin Developments

The existing portfolio is made up of residential and commercial properties in multiple regions of the United Kingdom. As far as diversifying risk goes, the Godwin Developments portfolio is as varied as any UK property portfolio gets.

Godwin Developments is particularly interested in identifying opportunities with develop out, planning gain, refurbishment or even strategic land purchases.

While each project has a methodical approach to be taken such as a target return, they are all assessed on a case by case basis which determines the amount of time and resources to be inputted.

All in all, we feel we have partnered with a fantastic developer and we believe the experience that Godwin Developments has will benefit our investors.

Godwin Developments Loan Note Investment

2018 is set to be a big year for property based loan notes following on from what was a record year in 2017.

FJP Investment is at the forefront of property loan notes / property bonds and we can see that among all the different structures we are able to offer our investors, the loan note model is particularly favoured.

Godwin Developments Ltd

We believe the reason for the unprecedented popularity of loan note investments is that they give flexibility and readily available capital to property developers and brilliant returns in a timely manner to the investor. The loan note model creates a win-win for both property developers and the investor.

It is important to note that all of the loan notes that FJP Introduce are only accessible by high net-worth or sophisticated investors.

Register your interest for our loan note investment in partnership with Godwin Developments.

REGISTER YOUR INTEREST

Nursing Home Investment Opportunities

With the number of people approaching retirement age on the increase in the UK and growing in the foreseeable future, there in which is an opportunity for property developers to do their bit and bring more nursing home investment opportunities to the table. We have identified a fantastic opportunity for investors within this in-demand segment of the UK property market and we are delighted to share with you our research.

The number of individuals aged 85 and above is expected to grow by more than 100% in the coming years which is extremely concerning when you consider the number of beds are currently on the decline due to lack of investment in the sector.

Invest in Elderly Care

The opportunity to invest in elderly care is one which is of great attraction to prospective investors, there are some great developers that we are in partnership with such as The Care Home Group, who are acquiring properties that are in need of renovation, however, the key to making this work is to truly do a fantastic job in delivering a facility which will stand the test of time and will ultimately keep residents wanting to live out the latter years of their life at the facility.

The Care Home Group will then operate the care home using their own end user service called Caring Communities. This company is all about providing a quality of care which is to a 5 star standard, the key is to attract the higher end of the market with regards to residential care services.

The elderly care model generates revenue through the sale of rooms within the care home and then renting them to permanent residents. In addition to the sale of the care rooms there is a premium service being provided, and naturally there is a fee to be charged to residents whom desire the top level care within a top of the range care home. The Care Home Group is all about identifying care home investment opportunities in affluent areas of the United Kingdom and then repackaging it all to a service that is of an extremely high level and that which residents aged over 65 + would be looking to self fund.

The Care Home Group Investment

Nursing Home Investments

There has always been an interest in nursing home investments from investors that we come into contact with. We are finding a surge in interest particularly of late due to the dire situation in terms of the diminishing number of available care beds to those in need. The plan of The Care Home Group is to carry on with the acquisition plan of procuring care homes throughout the UK and always to focus on the service to the end user. There are a couple of ways in which investors are able to receive their rental income from such investment.

You could opt to have your income direct from the actual resident, much the same as an actual buy-to-let works, whilst this option would offer you a higher return on your investment, it would be variable depending on occupancy.

Alternatively, and by far the most popular option, you could take up the managed option which would see you earn a fixed income regardless of occupancy.

Investors from all over the world have developed an understanding of the UK property markets. Whilst the majority of the UK market is somewhat of a challenge when it comes to identifying positive opportunities, there is a great deal of interest in nursing home investments for the very reason that there is so much potential going forward.

The homes on offer within our care home investment are simply about providing luxury homes for the elderly with superb interiors and the very best in home-cooked dining and care every single minute of the day. It is a very high standard to live up to, but the delivery of a service with a smile is what makes all the difference to residents within the nursing home.

Care Home Investment UK

Note

FJP Investment is very much about finding profitable investment opportunities for our global audience of investors. The care home investment sector in the UK is rapidly increasing in popularity with traditional property investors. With industry leaders clearly identifying a sever shortfall in the number of available care beds by the year 2020, there is no doubt that investing in a care home is a smart move, considering the incoming demand from prospective residents.

Nursing Home Investment Opportunities

With the number of people aged over 65 now over the 10 million mark for the first time, we are in a situation where the elderly now outnumber those who are under 16. In fact it is those aged 85 or more that are the fastest growing demographic within the United Kingdom and this is all down to the vastly improved health and preventative care on offer. With that we have complications of a system which needs to adjust in order to keep up with the demand, over the next 20 years, we are expecting more people to live longer and this will place even more pressure and this is why nursing home investment opportunities are needed more than ever.

We are also seeing an increasing demand for specialist care such as dementia, another area The Care Home Group specialises in. There is estimated to be at least 800,000 people in the United Kingdom who are currently living with dementia, this figure is predicted to hit 1 million by 2021 and then double by the year 2050, they also need care in their later years which at present is just not available.

The need is more than clear – further information about care home investments is available upon request.

REGISTER YOUR INTEREST

Introducing Care Home Investments from The Care Home Group

The possibilities of making money from property are endless….

Where there is a desire and a need for said property, there will be an opportunity to generate income for the investor and today, we are introducing you to the world of Care Home investments, specifically, a developer we have recently partnered with called The Care Home Group.

Before we get into the details on The Care Home Group and the rationale for investing in care homes we want to first provide you with the background of the market and where this particular segment is heading in the next couple of years.

FJP Investment was established is 2013 and over the years we have for ourselves seen a lot of care home investments come up, along with a big portion of our clients make investments in the sector. All of the research indicates that we are heading to a crisis point within the care home sector with the UK expected to hit an “acute shortage” stage by year 2020 (just 2 years away). When we reach the stage of having an acute shortage we all can clearly understand that with supply being restricted and demand being high, there is our opportunity as property investors to capitalise.

We believe “now” is the right time to dip our toe into this market and with that being said, we are pleased to introduce our investors to The Care Home Group – a leading developer of care home investments based in Yeovil, Somerset.

Care Home Investment

About The Care Home Group

The company was founded in 2015 and has successfully raised capital for the fulfilment of 13 various care homes throughout the United Kingdom.

From our discussions with the developers we have ascertained that they have a big network of investors buying in from Asia, this is no surprise, as we often find the investment offerings we are introducing to our investors create a demand from Asia based investors. Another big market of investors is the UK, this is an area in which FJP Investment specialises in and we will be on-hand to assist all of our new investors and existing clients from start to finish with their care home investments.

According to The Care Home Group:

Technology: we’re introducing new, interactive and accessible technologies and applications for the benefit of our residents, their families, our care and management teams, and investors

Innovation: we will constantly challenge the norm, and seek new ideas to improve the way we operate and fund caring communities

People: we’ll bring the right people into our business, and make sure they always have the skills and resources to deliver the highest and most ethical standards of service to our residents, at all times

Property: we acquire and redevelop luxurious, traditional accommodation, and breathe new life into the sector by attracting new private investors through our unique investment models

The Care Home Group are in the business of acquiring / renovating and then operating luxury care home accommodation within affluent areas of the United Kingdom. The focus in on providing 5-star levels of care and service to people staying at the nursing homes who are typically aged 65 years and above.

We all know the UK population is ageing and for this reason there is an increase in pressure for care resources and this is where we have identified an ideal opportunity to invest.

If the situation was not bad enough as it is, there are a large number of care homes that are closing due to lack of investment.

Full details about our opportunity can be found here by registering your interest: The Care Home Group.

Nursing Home Investment For Sale

How does a care home investment work?

With so many properties vacant or in need of investment, it is still very much a case of having the pick of the bunch. The Care Home Group will conduct extensive surveys and feasibility studies to ensure each development is of solid overall construction and of course suitable for the formula of redevelopment and remodelling, the typical care facility will be of at least 20 beds of above average sizes.

Market research is essential to ensure the properties are in areas that consist of a high proportion of retired and retirees.

Each care home is then renovated to 5-star luxury standard over a period typically a six months before opening to the public under the CQC* registered company called Caring Communities. *(Care Quality Commission the regulator of health and social services in England)

You purchase the care studio on a 125-year leasehold with the care home at below market value. You then receive an income on a buy-to-let basis.

As an investor you will receive a full and legal title deed which means the property is registered in your name at the Land Registry.

The funds that you are investing are used to purchase and refurbish the property as well as maintaining the premium standard of care to deliver a premium service to residents.

The income is paid monthly and is fixed at 10% net yield per annum.

Care Home Investment For Sale

Care Home Investment Review

There has never been a better time to invest within the care home sector and as long as you are investing with a reputable company such as The Care Home Group, you will stand to profit over the short, medium and long term.

More information is available on request: care home investment.

REGISTER YOUR INTEREST

Is property the next big thing in the alternative investments market?

With investors having to work a bit harder to find potentially profitable growth opportunities for their money as markets change and political factors such as Brexit hit certain industries, those that diversify their portfolio with alternative investments can enter exciting new fast-paced growth markets that work for them, reflect their passions and complement their overall lifestyle.

The alternative investments market has seen consistently strong levels of growth for years, with global assets in alternatives set to grow to $18.1 trillion by 2020 according to a study by PwC.

There are a huge number of opportunities for investors to consider putting their money toward in the alternative investments market. Perform the right research and partner with an experienced consultancy and it’s possible to uncover lower-risk opportunities with potentially higher returns than those in mainstream industries.

Some of those alternatives opportunities can also be found in the property sector.

Alternative investments in the property sector

There’s a large consensus that the UK housing market has seen better days. Issues such as a dramatic rise in population and a lack of housing has created something of a crisis across the nation, with parties across the political spectrum agreeing that something has to be done urgently to increase the rate of new builds.

Progress is well underway. Builders registered that they planned to build 37,936 homes during the third quarter of 2017, a rise of 9% when compared against the same period last year and the highest third-quarter total since 2007 according to Britain’s National House-Building Council.

It’s the greatest number of homes set to be built in a decade; when adding commercial builds into the equation too, there are a lot of alternative investments and opportunities in property for people to consider putting their money toward.

Property is by far and away one of the favourite mainstream staple investments for British investors, so how could it be classed as an alternative opportunity? Simple; there are a large range of alternative projects on the market today that investors can consider that could potentially be more secure than mainstream property projects and more suited to their lifestyle.

Diversify your portfolio with alternative investments

The trouble a lot of investors have with property though is that not everybody is suited to being a landlord. With experts expecting yet another increase in stamp duty rates to help ease the financial burden on millennials and first-time buyers who are looking for homes, investors can be put off purchasing a second home with the view to taking on paying tenants.

An alternative way of investing can help investors to become part of the property industry without having to worry about the financial burdens of stamp duty, dealing with problem tenants, going through complicated compliance measures and much more besides.

Investing in bond opportunities within the alternative property sector can help investors to back unique projects as well as diversify their portfolios for added security. With various fixed return opportunities available too, investors can potentially grow their savings in ways to supplement their income, ladder their returns, back projects in line with their ethics and more through alternative property.

Investors looking into alternative investments can discover brand new opportunities that align with their values in the property market with help from the consultants at FJP Investments.

REGISTER YOUR INTEREST

Fixed term investment bonds diversify savings in a turbulent economy

With the UK economy displaying signs of volatility as the Brexit talks take hold, could a fixed term investment strategy help to alleviate individual financial concerns and safeguard investors’ interests as part of a diverse portfolio?

Investors looking to growth their wealth in the UK have a lot of Brexit-based challenges to navigate when they want to grow their saving. As negotiations with the EU become more protracted, certain industries stagnate and inflation rises, consumer confidence in domestic stock markets is taking a hit.

That’s not to say things won’t pick up post-Brexit, and with the right research, advice and movements investors can identify potentially profitable opportunities now, if they’re willing to back them during turbulent times.

For investors looking for greater solidity in their investments now though, diversifying a portfolio with fixed term investment bonds could help them potentially profit throughout Brexit and beyond.

Empire Property Holdings Loan Note Photo 17

Seeking safety with fixed term investment bonds

With Brexit creating such a risky investment landscape across the UK and beyond, what may typically look like a sure bet investment-wise may carry immediate and future risks for investors’ capital that they may not foresee – especially if they like to put their eggs in one basket.

That practice is never wise for any investment opportunity. The healthiest portfolios are typically ones where investors have spread their finances across various industries, with that diversification helping them to build a sustainable income and better manage risk.

A fixed term investment opportunity can be one of the best ways to diversify a portfolio. The idea of diversification though can be worrying for investors; a lot like to stick with what they know and use the benefits of their knowledge and experience to try and generate returns no matter what the financial landscape may look like.

Which is understandable, but could carry a much more acute financial risk than exploring other options. A fixed term investment opportunity for instance isn’t just a way to generate income and supplement other financial strategies through bond laddering and other techniques; it’s also a way to enter new high-growth alternative markets.

Empire Property Holdings Loan Note Photo 16

Greater financial stability with a fixed term investment

Consider a recent forecast by Rabobank that says Brexit uncertainty is likely to hit the UK’s investment and growth potential. “As a consequence of the impact of political uncertainty on investment, the BoE is thus suggesting that the UK is likely to see both higher inflation potential and lower trend growth than would otherwise be the case,” the report states.

Working alongside an experienced financial service with vast experience in the fixed-return and alternative markets can help investors to invest their savings in thoroughly researched, bespoke opportunities that will diversify their portfolios and add a greater degree of security to their investments during troubled times.

FJP Investments’ team of financial experts is dedicated to working alongside investors to help them discover brand new investment opportunities that are bespoke to them, their financial goals and their portfolio.

Contact FJP Investments today to find out more about how a fixed term investment opportunity could help add greater security to your financial portfolio.

REGISTER YOUR INTEREST

Managing risk and reward in your alternative investment portfolio

Despite the growth in interest and the market as a whole, some investors are still wary about putting their money behind an alternative investment, no matter how attractive the proposition may be.

Perhaps it’s the word ‘alternative’ that puts people off. The truth is though that any and every investment opportunity carries some degree of risk, whether alternative or more mainstream. People who make the right moves and thoroughly research a diverse alternative investment portfolio are far more likely to profit than somebody who blindly invests in mainstream stocks, for instance.

The alternative investment market (AIM) is worth £95 billion today with the AIM all-share index out-performing the FTSE 100 and 250 in 2017 alone. UK AIM companies have also created 430,000 jobs and contribute £15 billion to the UK’s GDP.

The market continues to grow at an astonishing rate too, attracting investors from all backgrounds as they look to capitalise on the opportunities that alternatives could provide them. Those who identify the right opportunities and do their research can also build a unique, bespoke alternative investment portfolio that supports their lifestyle, improves their finances and opens them up to new ventures.

The earlier that people consider the alternative investment scene too, the more time and opportunity they have to dabble in and discover new ways to grow their savings, whether it be through a fixed term solution or other financial opening.

The High Street Group Construction

Managing risk potential with the right alternative investment strategy

With interest rates so low for the best part of a decade, it’s been a tough time for savers in the UK who want to grow their cash. The recent rate rise by the Bank of England to 0.5% has been welcomed by some, but for many others it’s still not enough, especially with inflation still relatively high in contrast.

Alternatives could help to fill the gap. Consider saving for a child’s future; putting some money aside regularly in their younger years can be a fantastic way to pay for university fees years down the line, help them buy their first home and even work towards their pension.

Again though, by doing some research and playing the investment game properly (as it where), that nest egg could grow larger by considering some of the opportunities alternatives can provide. That naturally gives a larger window for the future to greater assess markets and the risk they hold, while putting some of that extra capital into entirely new ventures.

At the end of October, a report from the Financial Conduct Authority (FCA) suggested that the mean amount of cash savings held by 25 to 34-year-olds is £11,000. At the same time the report says that one in five (19%) of 25 to 34-year-olds have no cash savings at all while 30% have cash savings of less than £1,000.

That leaves them with very little room to manoeuvre financially when they’re looking to grow their savings – certainly, it means there is less appetite to experiment. The earlier people start perusing the alternatives market, the greater their chance of building a diverse investment portfolio that better allows them to manage their risk and reward potential.

FJP Investments is dedicated to working with investors looking to explore the alternative investment market, helping them to research, identify opportunities and build a bespoke financial portfolio that works for them. To learn more about alternative property investments, get in touch today.

REGISTER YOUR INTEREST

How can an alternative investment partner benefit female investors?

Financial institutions across the United Kingdom are doing a poor job at connecting with female investors at every stage of the buying journey, according to new research. Not only are those institutions losing out on the income female investors could bring them, it also means that women are missing out on a wealth of potential bespoke alternative investment opportunities.

According to the Kantar Winning Over Women report, financial services organisations are missing out on approximately £130 billion by failing to connect with women through advertising and other channels. By poorly communicating aspects such as ‘trustworthiness’ and ‘dependability’ to women, they’re ultimately seeing lower deposits from that demographic.

The larger knock-on effect though is that, because of that perceived lack of trust in financial institutions, women are missing out on growing their future savings. Aligning with the right alternative investment partner though could help them to discover new financial opportunities that work for them.

All Saints Living project from The High Street Group

How women can improve their finances with an alternative investment partner

The feeling that women are missing out on potential bespoke investment opportunities is exacerbated by research that only 15% of alternative investment teams are female, and that women make up as little as 19% of total roles at alternative managers according to Prequin.

So, what’s the solution? For many in the venture capital industry, a lot of women are assuming the mantle and doing it for themselves, with a study by First Round Capital discovering that women deliver higher returns when it comes to venture capitalism.

Though impressive, it does little for the average female investor who feels isolated when they want the opportunity to grow their funds, increase their pension pots, supplement their income and much more besides; especially for those women who have heard about the potential gains that making an alternative investment can possibly net them.

Female investors who don’t want to put their funds into mainstream assets and are excited about the potential financial opportunities an alternative way of investing can provide for them and their overall lifestyle can learn more about the industry and build a bespoke portfolio with an accessible, experienced and professional financial advisor.

The High Street Group Project in Newcastle Hadrians Tower

Hadrians Tower – Newcastle

Getting educated on alternative investment opportunities

A new report by HM Revenue & Customs has also highlighted why now could be a crucial time for women to invest in an alternative future for a more comfortable retirement.

According to HMRC’s analysis, the gender pensions gap between women and men investing in personal pensions has widened by 16% over the past five years, with 1.66million fewer women contributing to a personal pension.

With wages in the UK not correlating with rising inflation and the Bank of England set to raise rates even further over the next few years, putting money aside and growing their savings can be a tough ask for women unsure of where to put their money.

Building a bespoke portfolio of alternative financial opportunities can help to negate those fears, potentially grow their savings in unique ways, complement their income with fixed term opportunities, invest in industries in line with their ethics and more with the right financial advisor.

FJP Investment is dedicated to working with female investors to help them understand more about the alternative investment scene and potentially grow their savings. Contact our consultants today to find out more.

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Act your age: How to build a fixed term investment ladder to suit you

One of the major benefits of researching and putting your savings into a fixed term investment is that it can help supplement income and provide potentially large levels of growth over a certain period of time.

For investors interested in the opportunities provided by a fixed term investment ladder, it’s a strategy that can better complement their overall lifestyle as well as diversifying their investment portfolio.

With the right planning and advice too, a fixed term investment ladder can introduce people to alternative industries and markets they may not have considered before.

A fixed term investment opportunity also suits investors of any type no matter what their experience may be, providing new financial avenues and options for those who take a passive or more active role in their investment portfolios.

A fixed opportunity could also be a good financial move for younger investors looking to build a portfolio and older investors wishing to grow their savings.

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A fixed term investment is a great place to start

Research is critical when choosing a fixed investment opportunity to discover high-growth areas that make your money work for you.

The benefits are obvious if you make the right moves; a fixed term investment has the potential to provide people with impressive gains as well as allow them to put their money across different venture.

It’s fair to say that there’s a clear generation gap when it comes to investing, though. Millennial investors are seemingly more likely to put their time and money into more alternative avenues such as focusing on the rise in digital cryptocurrency markets.

Younger investors are also more attracted to socially-responsible and ethical investment opportunities, with more than three-quarters of the group aiming to put their money behind projects that offer positive change to the world.

At the same time though, some studies suggest that younger investors can have unrealistic expectations when it comes to the returns they’re likely to receive. Older investors however have more realistic expectations, but with rising interest rates and slow wage growth in the UK, feel pressure to find opportunities sooner rather than later to enhance their savings.

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Premium Student Living in Glasgow

How a fixed investment could help with your retirement

According to a recent report from wealth managers UBS, workers in the UK have some of the worst pensions across the entire developed world to look forward to when they retire. The report compared the outlook for 50-year-old women across the globe’s major cities, which suggests that savers may have to look elsewhere to grow their money than traditional institutions.

A fixed term financial opportunity can allow them to do that in creative ways, for older investors looking to start to build a portfolio to more experienced investors who wish to add a bit more to their savings.

The truth is, age and other demographics aside, each and every investor has their own goals, ethics and challenges when they want to build or enhance an investment portfolio. Fixed term opportunities can help them meet those goals, especially if they partner with an experienced consultancy dedicated to providing bespoke fixed term solutions.

FJP Investments is a fixed term investment specialist, helping investors build bespoke and diverse investment portfolio that work for them and their finances. Contact us today to find out more.

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