Further Information

 

 

 

 

 

 
Bonds
Bonds is an umbrella term for any type of debt investment and therefore is a lending investment. When you buy a bond, you are effectively loaning money to an entity  (government or corporation) which is paid back by the entity over a set period with a fixed interest rate.
 
At Berkeley Private Wealth, our clients have access to investment managers who in turn provide access to 7000 different bonds across 26 countries spanning government bonds, corporate bonds and more.

 

Cash Investments
Also referred to as money market investments. These are short-term obligation investments usually with a term less than 90 days, that provide a return in the form of interest payments. Cash investments, in general, offer a lower return in comparison to other investments. This is due to being associated with lower risks and often insured. Money market funds and certificates of deposits are cash investments. Market interest rates dictate the returns investors earn on cash investments.
 
Alternative Investments
Usually shortened to AIMs, covers investments that do not fall into the three traditional asset types (stocks, bonds and cash). Most alternative investment assets are held by institutional investors or accredited, high net worth individuals due to their complex nature. 
 
ISA's
Individual Savings Account (ISA) used to save or invest tax-free. There are two types of ISA's: Cash ISA and Investment ISA which is also known as stocks and shares ISA. The current tax-free allowance is £20,000 per annum. Which could be put into the cash ISA, Investment ISA or split between the two. With saving rates so low, ISA's have gained popularity with the advantage of no capital gains tax or income tax on growth.
 
At Berkeley Private Wealth, we offer our client's a range of corporate bonds for savings specifically held within an ISA; with attractive rates typically up to 8.75%.
 
Discretionary Fund Management
A form of fund management in which buy and sell decisions are made by an experienced portfolio manager for the client's account. The term "discretionary" refers to the fact that investment decisions are made at the portfolio managers discretion.
 
Standard Assets
Are assets that are not classified as non-performing assets (NPA). In other words, standard assets exhibit no problems in the normal course other than the usual business risks.
 
Discretionary Fund Management
A form of fund management in which buy and sell decisions are made by an experienced portfolio manager for the client's account. The term "discretionary" refers to the fact that investment decisions are made at the portfolio managers discretion.

Investments

 

Investments for UK and international high net worth individuals, sophisticated and restricted investors. Fully bespoke service involving a full client risk profiling to determine the type of investments most suited. The investments held within our wealth portfolio have passed our strenuous risk analysis and due diligence process. Our investment portfolio offers an unrivalled choice for High Net Worth and Sophisticated investors. Our wide range of non-correlated investments adds significant portfolio diversification together with rate of return incomes typically in the range of 7% - 15% net per annum.
 
We offer full access to independent chartered financial advisers,  international tax experts and chartered wealth managers. Arranging consultations with award-winning discretionary fund managers to build clients bespoke wealth portfolio.  

 

Types of Investments

 

  • Property Based Investment (UK, Europe, USA, Middle East)

  • Oil and Gas Investments 

  • Investments in Luxury Hotels & Resorts

  • Ethical Investments

  • Investments in Superyacht Charter Companies

  • Investments in Pharmaceutical Companies

  • Investments in Commercial Properties in London, UAE, Canada & China

  • Corporate Bonds

  • Alternative Investments

  • Standard Asset Investments

  • ISA / NISA Investments

  • Stockbroker Managed Investments (Stocks, Shares, FX, Derivatives, CFDs)

  • Pensions / SIPP / QROPS Investments

  • Cash Investments

  • Fixed Interest Plans

  • Gold

  • Fixed Rate Bonds

 

Key Features

 

  • Bespoke Investment Portfolios

  • Discretionary Fund Management

  • Suitable for both UK and International Investors

  • For High Net Worth, Sophisticated or Restricted Investors

  • Suitable for both UK Dom and Non-Dom Clients

 

Fixed-Rate Bonds
A fixed-rate bond is a bond that pays the same amount of interest for its entire term. There are a number of benefits of owning a fixed-rate bond. The fundamental being that the investor would know with exact certainty how much interest they would earn and for how long. As long as the issuer of the bond does not default on their obligations, the bondholder can predict exactly how much their return on investment (ROI) would be. Fixed-rate bonds are for investors who want to earn a guaranteed interest rate for a specified term. 
 
Shorter-term fixed rate bonds offer lower interest rates in comparison to longer-term fixed rate bonds. Interest rate risks are only a concern to those investors who are considering selling their bonds on the open market. If an investor is holding onto their bond until maturity, they would not be concerned with the possible fluctuations in interest rates.
 
A bond yield is a term used for the amount of return an investor gets for their bond. When an investor buys a bond, they are essentially lending money to the bond issuer. In return, the bond issuer agrees to pay interest to the investor throughout the specified term as well as repay the face value of the bond upon maturity.
 
Fixed-rate bonds are popular with both individual and institutional investors. During the term of the bond, the investor will not have access to the invested capital. As a result, the returns on fixed-rate bonds tend to be a lot higher in comparison to easy access cash investments. This rate will not change during the duration of the term hence 'fixed-rate'. Fixed-rate bonds typically have a term between one and five years. The longer the term, the higher the interest rate will be.
 
It is important to remember that if a withdrawal is made during the term, there will be a penalty charged. Bond issuers often taper the size of the penalty downwards as the term progresses. It is therefore essential to ensure that the capital invested by the investor is not needed during the term of the bond.
 
At Berkeley Private Wealth we offer a range of fixed-rate bonds for both individual and institutional investors.
 
 
Oil and Gas Investments
Oil prices are known for their volatility, with so many producers around the world; for every secure producer such as Norway or Saudi Arabia; there are several unstable producers like Libya and Venezuela. Oil demand is a good indicator to gauge global economic activity. During times of prosperity, the demand for oil and it's price is at it's highest. It also has a direct correlation with the climate. Cold weather increases the demand whereas warm weather suppresses it. The US produces millions of barrels of shale oil using a process known as fracking. As a result, this reduces US demand for imported oil which in turn drives down oil prices. 
 
When you buy oil, you do so with the expectation of short-term price fluctuations, in either direction. If a drop in price is expected, you would take a short position. Likewise, if you expect a rise - you would go long. It is also an area that many choose to trade in leveraged derivatives such as futures and options. At Berkeley Private Wealth, we also offer a range of bonds within this sector.

Office Tel: 0207 129 1112

Email: enquiry@berkeleypw.com

Address: 23, Berkeley Square, Mayfair, London, W1J 6HE

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