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Berkeley House Capital Sponsor participant in The Talisker Whisky Atlantic Challenge
Berkeley House Capital are delighted to announce they are sponsoring and supporting one of the Directors, Martyn Thornton, in his quest to row the Atlantic Ocean solo in December 2020. A total of 3000 miles across the Atlantic from La Gomera in the Canaries to Antigua
Martyn has taken on the challenge to provide support to the well-known charity Horseheard www.horseheard.com. Horseheard provide equine based mental health support to a broad range of groups and individuals.
When speaking to Martyn about the challenge, and specifically why he wanted to row the Atlantic he highlighted a few of the driving factors….” I think the desire has come from 2 different areas actually: firstly as a trained coach experienced in helping people resolve the challenges they face I have come face to face with the impact mental stress can cause, and felt that was a worthwhile cause.
Secondly my interest and love of the sea, some years back in a former career I was in the process of setting up a Yacht share business, so some unfinished business in many ways”
Whilst we all understand the need for relaxation, the ability to combine a passion and a good cause is often what drives people on. We certainly all look forward to wishing Martyn a successful journey - rather him than me!
Prior to the actual race, which Martyn aims to compete in under 60 days, he is busy raising money for Charity, (please sponsor him here www.gofundme.com/f/atlantic-solo) and of course getting the many hours in on his boat, practicing everything from rowing to navigation.
In addition to that, as he was one of the founders for Berkeley Hose Capitals ‘The Yacht Bond’ Martyn will be busy bringing in funding against this great product, visiting the Monaco Yacht Show and various other events with our partners around the world – and of course promoting the opportunity for a few more donations to his charity.
Rowing the Atlantic single handed
For more information on the challenge please reach out to Martyn via his website www.atlanticsolo.co.uk For information on ‘The Yacht Bond’ contact Martyn directly: martyn@berkeleyhousecapital.co.uk.
If you are a Wealth Manager, IFA, Family Office or Finance Professional and would like to know more about our investment products and/or services, send us and email to arrange a convenient time to discuss.
If you would like to discuss any aspect of this note please feel free to email: charlotte@berkeleyhousecapital.co.uk and one of the team will be very happy to arrange call with you.
www.berkeleyhousecapital.co.uk
12 Hay Hill, Mayfair,
London. W1J 8NR
United Kingdom
+44 (0) 207 863 7507
Berkeley House Capital is an Appointed Representative of Alternative Asset Management Ltd which is authorised and regulated by the Financial Conduct Authority (No. 450404). Not all of our activities are regulated by the FCA, further details are available from us on request.
Disclaimer
This email is intended solely for finance professionals, if you have received this email in error please inform us.
Neither this email nor any information contained within it constitutes investment advice or an offer or solicitation to sell in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. The material contained within is purely for information purposes and its accuracy cannot be guaranteed. Investments may go up or down in value and you may lose some or all of the amount invested. Past performance is not necessarily a guide for the future. Returns from investments are at risk in the event of any of the institutions who provide securities for these products default on their financial obligations. Any decision to invest should be based on the information contained in the relevant term sheet or prospectus (and any supplements there to) of the relevant product which includes information on certain risks associated with an investment. Under the General Data Protection Regulation (GDPR) (EU) 2016/679, we have a legal duty to protect any information we collect from you. Information contained in this email and any attachments may be privileged or confidential and intended for the exclusive use of the original recipient. If you have received this email by mistake, please advise the sender immediately and delete the email, including emptying your deleted email box.
Topical Point – ‘Investing in Your Passion’
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Investing In Your Passion
Property versus the Alternative Investment Market - May 2020
The Challenge of Allocating Assets for High Networth Clients
The Challenge for High Net Worth Clients
Allocating Assets
One of the challenges facing all High Net Worth Clients (HNW’s) is understanding how they best use their money to support their futures and maintain the wealth they have built, often hard earned through building businesses and selling them.
Typically to have built the wealth they would have been getting double digit net returns in their business and then suddenly this stops. Replaced by a large cash sum.
Speaking with a number of our HNW clients this is where the situation changes: It seems a maintained lifestyle is generally desired but no longer is there a form of regular income from the business. This creates the dilemma and prompts the questions:
1. How do I use my new found capital to maintain my life style – without diminishing the capital?
2. How do I ensure I am putting my money into safe investments?
3. What is the correct balance between various investments?
This is evermore true today with the near zero interest rates on bank accounts and funds in the doldrum – but still opportunity always exist.
We have tried to answer the 3 questions on multiple occasions. It seems to us, and this is neither intended nor offered as advice – please speak to your professional advisors - that ultimately it comes down to age, risk profile and capacity for loss.
Firstly age. It seems a natural occurrence is the older the person acquiring the new found Capital, the more their focus is on income and protections. i.e. ensuring the funds won’t diminish and are available for inheritance and secondly that the income gives them the lifestyle plus more for travel.
Those younger continue to look for the growth in Capital and are aware they have done it once and can therefore make it again – perhaps allowing them to take a broadly riskier approach. Age is on their side.
Capacity for loss also needs to be taken into account as those retired or retiring, will not be returning to the working arena. That said some risk must also be taken to avoid running out of money and seeing your ones net value reduce in real terms.
Of course this is not true in all situations but a broad based learning we have found.
In answering the following questions, we first and foremost have to suggest that HNWs need to follow the mantra of professional Fund Management Firms and view their Capital as their personal Investment Portfolio and allocate sums to differing investment types on that basis. What might this look like?
Clearly the first 3 in the table are more commonly known to all investors, all are likely to deliver negative returns in the next 12 – 18months consensus suggests.
The final asset class of ‘Alternative Investments’ is still more specialised in terms of entering the market and protecting your Capital. It can all be undertaken privately, by the investor, but requires a build up of time and knowledge.
Better still in our view is to access it via a Regulated Alternative Asset Management Companies. Berkeley House Capital is one such boutique Company.
Clearly the risk profile changes with each category and that makes the question of protection even more relevant, particularly when we have seen in the press very high profile investment managers close their funds losing investors money. It seems this again points to the benefits of utilising the services of boutique regulated alternative asset managers, effectively providing increased assurance that investments, whilst not removing all the risk, are managed correctly.
If you are a Wealth Manager, IFA, Family Office or Finance Professional and would like to know more about our investment products and/or services, send us and email to arrange a convenient time to discuss.
If you would like to discuss any aspect of this note please feel free to email: charlotte@berkeleyhousecapital.co.uk and one of the team will be very happy to arrange call with you.
www.berkeleyhousecapital.co.uk
12 Hay Hill, Mayfair,
London. W1J 8NR
United Kingdom+44 (0) 207 863 7507
1. Berkeley House Capital is an Appointed Representative of Alternative Asset Management Ltd which is authorised and regulated by the Financial Conduct Authority (No. 450404). Not all of our activities are regulated by the FCA, further details are available from us on request.
Disclaimer
This email is intended solely for finance professionals, if you have received this email in error please inform us.
Neither this email nor any information contained within it constitutes investment advice or an offer or solicitation to sell in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. The material contained within is purely for information purposes and its accuracy cannot be guaranteed. Investments may go up or down in value and you may lose some or all of the amount invested. Past performance is not necessarily a guide for the future. Returns from investments are at risk in the event of any of the institutions who provide securities for these products default on their financial obligations. Any decision to invest should be based on the information contained in the relevant term sheet or prospectus (and any supplements there to) of the relevant product which includes information on certain risks associated with an investment.Under the General Data Protection Regulation (GDPR) (EU) 2016/679, we have a legal duty to protect any information we collect from you. Information contained in this email and any attachments may be privileged or confidential and intended for the exclusive use of the original recipient. If you have received this email by mistake, please advise the sender immediately and delete the email, including emptying your deleted email box.
Protection and Performance
Protection and Performance
Protection and Performance – the wholly grail of investing for most people. In today’s world of non existent bank returns and collapsed pension funds.
But how do you work through the number of ideas proposed in front of you to ensure the risk is lower than that of your currently collapsed fund, the returns are reasonably deliverable and that, perhaps most importantly, the firm you engage with are reputable and will act in your best interests, following appropriate legal standards and processes.
Regulation - protection
The last one, protection, is perhaps the easiest to deal with. It comes down to assessing the skills and capability of the firm and its people. This is perhaps most easily evaluated by looking at the Regulatory status of the firm. For ease of understanding, for parties to be regulated by the Financial Conduct Authority (FCA) within the United Kingdom you know that the firm and its Directors have all been assessed to ensure their capability and experience and that the quality of business: its systems and processes are sound. Berkeley House Capital is one such firm.
Organisations that are not regulated beg additional questions: primarily why would they not wish to have the scrutiny and integrity of regulation?
Performance
The question of performance is a wider issue. As we’ve seen the traditional forms of higher return in investments have not proven to be good. Many investors income or pension funds are now under water and unlikely to deliver the returns needed in the next 24 months or so.
This brings us to the Alternative Asset market. This market is only for High Net worth, sophisticated investors and corporates.
The alternative Asset market incorporates commodities for example gold, silver and other precious metals, plus foreign exchange – the most liquid investment market in the world.
Accessing it at the right level is another ball game. Whilst account’s can be opened to trade oneself, without the specific knowledge and skills it’s a step in to the unknown. Accessing the market utilising the skills of regulated alternative asset management companies is another far more secure route to endeavour opening up the potential for higher returns.
This has several key benefits it seems:
1. Higher potential returns
2. Utilising the skills, knowledge of experienced parties
3. Simple product types available to access the market: corporate loans, bonds, funds each offering differing risk profiles.
It seems to us with the market as it is those seeking higher returns might do well to consider these products and markets.
If you are a Wealth Manager, IFA, Family Office or Finance Professional and would like to know more about our investment products and/or services, send us and email to arrange a convenient time to discuss.
If you would like to discuss any aspect of this note please feel free to email: charlotte@berkeleyhousecapital.co.uk and one of the team will be very happy to arrange call with you.
www.berkeleyhousecapital.co.uk
12 Hay Hill, Mayfair,
London. W1J 8NR
United Kingdom
+44 (0) 207 863 7507
1. Berkeley House Capital is an Appointed Representative of Alternative Asset Management Ltd which is authorised and regulated by the Financial Conduct Authority (No. 450404). Not all of our activities are regulated by the FCA, further details are available from us on request.
Disclaimer
This email is intended solely for finance professionals, if you have received this email in error please inform us.
Neither this email nor any information contained within it constitutes investment advice or an offer or solicitation to sell in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. The material contained within is purely for information purposes and its accuracy cannot be guaranteed. Investments may go up or down in value and you may lose some or all of the amount invested. Past performance is not necessarily a guide for the future. Returns from investments are at risk in the event of any of the institutions who provide securities for these products default on their financial obligations. Any decision to invest should be based on the information contained in the relevant term sheet or prospectus (and any supplements there to) of the relevant product which includes information on certain risks associated with an investment.Under the General Data Protection Regulation (GDPR) (EU) 2016/679, we have a legal duty to protect any information we collect from you. Information contained in this email and any attachments may be privileged or confidential and intended for the exclusive use of the original recipient. If you have received this email by mistake, please advise the sender immediately and delete the email, including emptying your deleted email box.
Investing in the New Paradigm
Investing in the New Paradigm
A new paradigm exists today for many investors used to sitting face to face with their advisor to discuss and plan extra value investment opportunities.
This facility has disappeared with Covid – 19 impacting large swathes of the world and severely impacting the ability of people to get “face to face” for the foreseeable future.
The global economy has deserted investors who are left with a serious challenge of how to grow funds and secure income over the coming, unknown period of time
We have seen traditional sources of investments; be they bank accounts with almost zero interest rates or normal investment funds invested for the long term in equities dive to the bottom. Zero returns and big deficits.
This has made planning for our future and current income streams ever more difficult. It’s fair to say even the best wealth managers act on the typical “Hold & Buy” planning mantras at times like this. In other words: don’t take your loss; let it recover; invest more to take advantage of the up turn. The “latter” is great if you have any free cash left but the first two stages don’t deal with the need for income and growth.
So, What about the now?
The questions we all now need to answer are:
How can we invest to create sustainable income or growth?
Which markets might we find a solution?
How do undertake an investment remotely?
Trying to answer the questions perhaps leads us to alternative investment markets and to products that may not have previously been considered, or more likely even known of. For sophisticated investors and high net worth individuals or corporations these may range from Corporate Loans/ Bonds or Funds in the alternative asset space and cover capital
markets activities including FX, Equities, Bonds – all typically highly liquid and with greater potential for higher returns, of course the risk is higher too, but highly controllable.
Investing in these within the new paradigm of course places more emphasis on working with reputable businesses, such as those working under the rules and regulations of the UK Financial Conduct Authority. Berkeley House Capital limited1 is one such business.
The truth is we will all most likely have to get used to undertaking our investments in the context of new ways of working and looking at new markets and opportunities – something to prepare for now perhaps!
If you would like to discuss any aspect of this note please feel free to email: charlotte@berkeleyhousecapital.co.uk and one of the team will be very happy to arrange call with you.
www.berkeleyhousecapital.co.uk
12 Hay Hill, Mayfair,
London. W1J 8NR
United Kingdom