Godwin fixed income investment 10% and 12% per annum return loan note

The Offer – Godwin Capital 8

  • Short term investment opportunity
  • Loan note terms of two years with income and deferred interest options
  • Minimum investment of £25,000 or $25,000
  • 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
  • GBP and USD hedged
  • Purchased directly – No fees for entry, exit or annual management fees
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Let’s face facts. With the federal reserve dumping $3.5 trillion dollars into the economy, handing out $600 cash cheques to everyone, propping up wall street, GDP down more than the height of the GFC and over 21 million Americans currently out of a job, things are looking bleak.

This is all with the backdrop of bankruptcy’s from multi billion dollar companies such as Hertz and Chesapeake along with household names such as Golds Gym, GNC and many closing doors due to the corona virus.

So where are the stock markets at with all this going on? ALL TIME HIGHS OF COURSE! It does not take an expert to know that it is only a matter of time before the next major stock market crash.

If you are an investor that is looking for a way to generate an income for retirement while diversifying away from the stock market or bond markets what options do you have?

*DISCLAIMER: This video is simply a review of an existing publicly available investment. It is not mean to be taken as financial advice and Compare Return takes no liability for any losses incurred. This investment is reserved for High Net Worth investors and you should always seek professional advice before investing.

FIXED INCOME LOAN NOTES:

At the most basic level this is effectively lending a business money so that they can complete a construction project. In return they will give you a fixed % return along with your original investment  (capital) back.

Investopedia describes it as. “A loan note is an extended form of a generic I Owe You (IOU) document from one party to another. It enables a payee (borrower) to receive payments from a lender, possibly with an interest rate attached, over a set period of time, and ending on the date at which the entire loan is to be repaid. Loan notes are usually provided in lieu of cash at the payee’s request.”

KEY TAKEAWAYS

  • A loan note is a type of promissory agreement that outlines the legal obligations of the lender and the borrower.
  • A loan note is a legally binding agreement that includes all the terms of the loan, such as the payment schedule, due date, principal amount, interest rate, and any prepayment penalties.
  • Lenders typically require borrowers to agree to loan notes for big-ticket purchases, such as for a home or car.
  • Loan notes can have tax benefits to the borrower and can also be a convenient source of seed money for new entrepreneurs and startups.
  • In many cases, a loan note is preferable to an informal IOU because a loan note holds more legal significance and is easier to uphold in court should there be a disagreement between the parties.

 

Term: These can be over different time lengths such as 6 months, 12 months 18 months and right up to 5 years plus.

Returns: These can be anywhere from 3.5% per annum, right up to 15% per annum depending on the sector and profile of the investment.

That sounds risky: Actually, these kinds of investments can have a series of protections in place for investors capital, while not ‘risk free’ they are certainly ways you can measure the risks via a comprehensive due diligence process.

DUE DILIGENCE CRITERIA

I would suggest you look at companies with the following.

  • More than a 10 year track record.
  • Over $1 billion dollars of completed projects.
  • A strong board of directors
  • That your assets are securitised by a regulated body such as the FCA.
  • 100% track record of paying out dividends.

 

So why would they pay me 10% a year, instead of just lending the money from a bank?:
Another common and great question. That’s because for the kinds of developments that companies such as Godwin do, the banks are actually the end customer. Along with pension houses, investment banks and even some high net worth family trusts. While Godwin does in fact also lend from banks they rely on multiple income streams to fund their projects to ensure diversification.

So how do they generate their profits?
With Godwin it’s all about the exit (sale of the development). The developments they build are sold to companies such as Starbucks, McDonalds, Aldi, KFC and Lidl supermarkets, along with their Build to Rent projects. These often have very long-term outlook and it’s rather typical for the return on investment for Godwin to be over 250%+ for a completed development. This makes it easy for them to absorb the 10% income they have to pay investors for raising the initial capital.

1
YEars
$ 1
minimum investment
1 %
per annum return

ASK YOURSELF…

  • What do I have in my portfolio currently that is a genuine hedge against the current market conditions?
  • Am I just turning the lights off, closing the shutters and hoping that this will simply just go away??
  • And hopefully recover back to where my portfolio was previously?
  • Or am I going to take an active approach to the current situation and listen to my financial advisor?
  • Do I have any exposure to fixed income or am I overweight equity or mutual funds?
  • In fact, DO I HAVE ANY FIXED INCOME IN MY PORTFOLIO?

WHO ARE GODVIN?

  • Privately owned property group with 16 year track record
  • 7 loan notes successfully raised and deployed – 100% track record
  • ALL COUPONS AND PRINCIPAL CAPITAL RETURNED TO CLIENTS ON TIME AND IN FULL
  • Not a single default in 16 years on investors capital
  • Partnered with the following global brands

Godwin’s mantra is and has always been START WITH THE EXIT IN MIND

  • This means they know who their purchaser is prior beginning works
  • Family office, pension funds, investment banks, income fund managers
  • They know their tenant and the lease conditions before they begin works
  • They have exited the project and have pre-determined their margin prior to buying the project

 

COVID-19, Brexit, Recession proof – Prove it!

  • Aldi/Lidl have seen the most unprecedented takings during the last 3 weeks
  • Discount retailers such as Aldi and Lidl are built for recession
  • During previous recessions, Aldi and Lidl have always seen an increase in their customer base
  • The expansion plans of Aldi and Lidl aren’t looking to grind to a halt – In fact the opposite!
  • They are 100% committed to their expansion plans as the projects are already underway and are part of a 2 – 3-year build program
  • The last 3 weeks doesn’t give them concerns
  • Last week, the discounter put 9000 jobs on offer in total to help during the coronavirus crisis – 5000 of which are new temporary jobs alongside 4000 permanent vacancies.

 

Fast food operators – Going bust due to COVID-19?

  • Fast food retailers are the most dynamic and fast-moving consumable goods operators in the world
  • Do you think Starbucks, McDonalds, KFC, Burger King etc are going to go bust in the US!!
  • They are government backed to the hilt and will never been allowed to go pop!
  • Fast food sales will increase again dramatically during a recession as we eat cheaper, easy to access
  • Remember we are building road side retail, drive throughs!! Not town centre restaurants!
  • All fast food operators will be back open in the next 4 weeks – This is a 2 year investment program!
  • Only 1/3 of the portfolio is fast food
  • Godwin will focus on planning and lease negotiations during this time

 

Build to rent – COVID 19 and recession

  • UK construction companies are still on site and progressing
  • Please remember that Godwin aren’t a construction company – 80% of their revenue comes from
  • Smart site acquisition, gaining planning, selling, negotiating leases, selling to institutions
  • UK housebuilders sell to the general public – GODWIN SELL TO INSTI’S
  • UK house builders are now selling sites that Godwin will acquire for BTR
  • UK property funds are selling projects that Godwin will acquire for BTR
  • Opportunity! Cash is king – GC7 has £24M to spend plus GC8 and its in flows!
  • People rent during recession – They don’t buy

 

What is my security and who are Bluewater Capital?

  • Bluewater capital are a fully FCA authorised entity in the UK
  • They are the security trustees of Godwin Capital 8 and many other investment vehicles
  • They administer and secure all assets acquired by Godwin Capital 8
  • First legal charge – The UK’s most tried and tested property security
  • All cash is held in UK based Lloyds Bank – Onshore under the protection of the FCA
  • We are therefore 100% asset backed and 100% secured

The Offer – Godwin Capital 8

  • Short term investment opportunity
  • Loan note terms of two years with income and deferred interest options
  • Minimum investment of £25,000 or $25,000
  • 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
  • GBP and USD hedged
  • Purchased directly – No fees for entry, exit or annual management fees

 

Summary

  • We are in unprecedented times and your capital could diminish if you don’t act and take advice from your financial advisor
  • Do you have any diversification in your portfolio in fixed income?
  • Godwin have a proven track record that is unblemished over a 16year period
  • They have a broad range of underlying strategies that will adapt over the next 2 years
  • Recession proof and non-market correlated strategies are a must right now
  • Short term investments are key to financial success in these volatile times
  • Absolute returns
  • Secured income with real assets , bricks and mortar
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