An Introduction to Quantum from RL360°

An investment product from RL360°, Quantum offers a simple and effective way to save for the future. Giving you access to an impressive selection of funds, it is designed to be flexible and affordable, and it can help you to put money aside for anything from property improvements and children’s school fees to holidays. It can also be used to supplement your retirement income. To find out more about this attractive savings solution, keep reading.

Quantum from RL360°

Who can take advantage of it?

Quantum is available to individuals, trustees and companies and, unless you are subject to legislation that prevents you from putting money into investments of this kind, you should be eligible to take advantage of it if you are aged 18 or above.

How can you tailor it?

One of the major draws of the product is the fact that it can be customised to suit investors’ precise needs. For example, you can take out a Quantum policy on life assurance or capital redemption basis, and you also have the option of setting it up as a single policy or dividing it into 100 sub-policies. The latter option can help you benefit from optimal tax efficiency.

Quantum is also available in 7 different currencies. These are pound sterling, US dollar, Australian dollar, euro, Japanese yen, Swiss franc and Hong Kong dollar. In addition, you can choose from a broad selection of funds and, if you register for RL360°’s online switching service, you can switch between funds at no additional cost.

The product also enables you to take premium holidays if you need a break from saving and it allows you to make one-off or regular withdrawals. This gives you extra room for manoeuvre if your financial circumstances change.

What should you do next?

As with any investment, it’s important to make sure you’re fully clued up on Quantum before you commit to putting money into it. You can check out RL360° Quantum reviews online and there is full product information available on the company’s website. If you decide that this is a suitable investment solution for you, you should speak to a financial adviser. These experts are perfectly placed to help you tailor investment products to suit your approach to risk. Bear in mind that RL360° only accepts business introduced through financial advisers.

RL360° is continually looking to enhance its products. Demonstrating this commitment, a recent RL360° review saw 28 core new funds added to a number of its policies, including Quantum.


What are the most Common Property Investment Mistakes?

Are you confused when it comes to the better use of your money?

Are you considering investing in a property?

Everyone wants to invest in real estate with the plain intention of getting profits at minimum risks. But not all properties are equal in terms of yielding a profit. If you question any property dealer, he would never tell you about the properties that may yield low incomes, solely to earn money. To get a good income from the property that you want your hard earned money to invest in, it’s necessary to grasp the fact that some properties may yield negative income contrary to the common belief that all properties are the great source of income. Once you decide to put your money into this, don’t back out, property investment is, after all, a profitable decision as long as you are smart in your decisions.

Property Investment

Under-developed properties:

Real estate properties that need development are the ones, subjected to higher risks. You may need to place extra money on the development or renovation of the property while not being absolutely positive about getting any positive cash flows from the concerned property in the future. Moreover, these properties are subjected to plug into value risks and similar alternative problems. Investment in such properties is suitable if you are not depending on the property for a steady source of income.

Foreign property:

If you are about to invest in a foreign property, then you need to rethink on your call. This is so because foreign properties are always at high risks. It is no secret that foreign countries have totally different laws that govern the real estate market. An unsteady situation in their economy will just add to the risk of financial loss.

Beach properties or vacation homes:

If you get a vacation home or a beach property, you have to take in all the probability up to say, ten or even twenty years from now, when you have overcome the initial profits. Is the property still in demand and worth putting your money into it? You must invest in a property that brings profits even after a considerable amount of time.

Hotels and condos:

Contrary to the belief condominiums and hotels or resorts are not always a profitable venture. One cannot predict the aptitude of the profit, rental values or even sales costs from these investments. What’s worse is that they can be very hard when it comes to a chance of reselling.

Properties with no possible income:

Individuals invest in real estate with the mindset that the properties can grow in worth. Investing in properties certainly comes with a chance. Properties that don’t yield any income are among the worst investments. The real estate market is dynamic in nature. The demand and the need for the properties keep changing.

When investing in real estate doesn’t meet your expectations, the money endowed into it is lost. To expect long-term positive results, one should rigorously invest in properties that are in demand. The real estate market is all about thorough research, up-to-date data, informed decisions and a little bit of luck.


FTSE 100 Listed British Company Kingfisher to Acquire Mr Bricolage

The largest home improvement retailer in Europe, Kingfisher has announced that it is in the process of acquiring French company Mr Bricolage which also operates in the home improvement retail industry.

After this announcement, the share market saw Kingfisher’s shares to rise on Thursday. The acquisition would cost Kingfisher EUR 275 million. Kingfisher is currently having an exclusive negotiation with the stakeholders of Mr Bricolage. As both companies fall into the same line of business, analysts are hopeful that the amalgam would perform better.

Kingfisher to Acquire Mr Bricolage

Kingfisher’s Chief Executive Ian Cheshire said, “ This would add a third, complementary strong business alongside Kingfisher’s existing two successful brands in France…” Kingfisher runs UK based retailing company B&Q.

The TOC governing the deal state that Kingfisher would buy 41.9% shares from the Association Nationale des Promoteurs de Faites Le Vous-Mene which is a group of franchisees. Another 26.2% of stakes would be purchased from Tabur Family at a price of 15 EUR per share.

Kingfisher also announced that a mandatory offer to acquire the stocks that are being held by minority shareholders at a price of 15 EUR would be filed. The total debt of Mr Bricolage would be paid by Kingfisher. The net enterprise value would be 275 million EUR.

Kingfisher’s stock has gained on Thursday in FTSE. In fact, it’s one of the companies listed in the FTSE 100 to make a sizable gain in this morning. At the mid of the day, the stock was up 2.5% at 442.10 pence per share.

The whole acquisition process could take this entire year to complete as Kingfisher said it is hoping the deal to finalize by the end of the 2014-15 financial year i.e. in March 2015. The deal depends upon anti-trust clearance as the current franchisee and affiliates of Mr Bricolage would continue to exist and improve.

The initiation of the talk was observed on Wednesday when Kingfisher and the chief shareholders of Mr Bricolage signed a non-binding memorandum of understanding. This is the beginning of exclusive negotiation process.

In future, the handlers of operating businesses of Kingfisher and Mr Bricolage will meet in France. Each will have its work council. The detailed commercial terms will be put before the franchisees of Mr Bricolage.


A Look at Best and Worst Rental Return Investment Markets

It is becoming difficult to pin down a market that could fetch high return on investment due to a sluggish economy. Investors wonder whether they should invest in home buying and rental. It has been a lucrative investment option for last few years. But not any more.

Soaring home price is the chief reason that acts as a deterrent. A property that is good for investment is something that offers rental return for long-term other than the increase of value on the asset.

Rental Return Investment Markets

So if an investor wants to buy a home and then rent it, it’s customary for him to have an idea of markets that are good for long-term rental return and markets that are not. Nationwide, home price rise was 12.2% in early 2013. Certain areas such as California Riverside have seen an increase of 22% in home prices whereas it is up 17% in Atlanta.

A survey done recently by RealtyTrac shows Michigan, Georgia, Mississippi, Maryland and Kansas are the top five markets for rental return and New York, Colorado, California, Montana and Tennessee are the bottom five markets. The rental return was calculated by multiplying fair market rent for a three bedroom home by 12 and then having it divided by the median sales price of the property in the respective county.

The survey points out if the value on asset increases rapidly rental return would be poor. A median property sales price and average fair market rental would result in high annual gross yield. In New York for, for example, the median sales price is $887000 and average fair market rent $1852. The annual gross yield would be

                           1852 x 12 / 887000 x 100 = 2.5

With 2.5% annual gross yield PCT, New York is the worst market for rental return. Using the same formula, rental return for Michigan would be

                           1124 x 12 / 44900 x 100 = 30

Thus, Michigan is the best market for rental return with 30% annual gross yield PCT.

Atlanta, which is the second best in the category has become a hot destination for real estate investors. Daren Blomquist, VP of RealTrac said, “I think that parts of Atlanta have probably been picked over pretty well by some of the big investors, but certainly the fundamentals are still strong due to the relatively low home prices…

The big real investors are restricting their home purchases due to price appreciation and low rental. If median prices of the worst rental zones come down, they would invest again.


Current Boom of Tech Industry to Attract Investors

Tech Industry to Attract Investors What could be the reason behind the tech boom to continue even after so many years? One is the steady flow of communication all across the globe. The rapid growth of the hand-held device market and the need for cleantech solutions are two other reasons. However, some analysts have been shedding scepticism as they fear the tech boom will result in another dot-com bubble. How safe is it to invest in the tech industry? Well, if investors are looking for exposure to new age technology, they will have to look to Silicon Valley. That’s precise because tech investments in recent time seem to be following a pattern. The giant companies such as Google and Facebook are acquiring promising startups. If a startup fails to have itself acquired like this, it calls for IPO once it makes a decent business. Two startups called GoPro and Box will have their IPO in this year. The entrepreneurial economy of US is what is giving the country an edge over other countries. A British analyst called Ben Yearsley said, “[highlight]We may have Silicon Roundabout but the US is the hub of world technology, with a highly entrepreneurial economy…[/highlight]” Good news for investors from other countries is that they will not be completely left out because even UK investors can directly buy shares of NYSE listed companies. However, as one analyst pointed out, “there will be higher dealing costs and the inconvenience of dealing with dividends paid in dollars.” Such problems might be there, but tech industry as an alternative route for investment can rely upon. It seems to be safer than home buying or certificate to deposit. Companies such as Google which is 0.21% up from the previous closing and Facebook up 0.47% seems good for the investors at this moment.]]>

US Fed Reserve cuts Stimulus by Another $10 bn

US Federal Reserve has announced that it would cut down the economic stimulus by $10 billion or 11 billion AUD. This is the third time when Federal Reserve reduced its bond-buying program for a month. Analysts are expecting the interest rate to go up as a result.

What followed the decision of US Federal Reserve was AUD falling 1 US cent against US dollar. The decision taken by US FR was a bit surprising as the country has been going through the economic slowdown. But policy officials briefed the slowdown is due to extreme winter.

US Fed Reserve cuts Stimulus by Another $10 bn

On Thursday, at 0630 Australian Eastern Daylight Time, the local unit was trading at 90.25 US cents which were down 0.93 US cents from Wednesday’s closing which was 91.18 US cents.

It should get a mention that AUD has displayed pliancy against the headwind in the global market. Due to the ongoing crisis in Crimea and the possibility of war was looming over, the market followed risk aversion strategy. The trading range for AUD has been 89 US Cent to 91 US Cent. On Wednesday, AUD was traded at 91.38 US Cents, which was its year-high.

The median forecasts for the Australian dollar in the second, third and fourth quarters of this year have increased by US1¢ to US88¢, US87¢ and US86¢ respectively since February, according to data from Bloomberg.

This year’s median forecasts for AUD have increased after its fair performance by 1 US Cent in the first quarter, 88 US Cents in the second, 87 US Cents in third and the US 86 cents in the final.

Janet Yellen, chairperson of US Federal Reserve will not rise until next year as the unemployment rate in the US is still high and inflation is not fully controlled. “We have expressed a number of opinions about the likely path of rates. In particular, the committee has endorsed the view that it anticipates it will be a considerable period after the asset purchase program ends before it will be appropriate to begin to raise rates.” She said.

The US Fed’s target benchmark interest rate was earlier zero. However, Fed officials are now expecting it to be 1% at the end of the next year and 2.25% at the end of 2016.

If the benchmark interest inches to zero, it could give US real estate and construction market a boost. This way, the country could battle out unemployment and inflation.