Guaranteed Future Value Returns

Traditional investments such as shares, unit trusts, endowments, government bonds and even some forms of cash investment products such as money market funds are all ultimately linked to the stock market and investor sentiment. They are all therefore impacted by market corrections and suffer from downside risk.

Investors usually ask the question “Where is it possible to deploy money in a manner which is as uncorrelated to the stock market and still earn a reasonable return?”

BCBS offers individuals the opportunity to lend funds to a Sectional Title Body Corporates (most often more than one) and earn an interest return linked to the Prime lending rate. Importantly, this return is uncorrelated to stock or bond markets, or banks.

BCBS offers three lending opportunities (as at June 2017 – Prime is 10.5%):

  • Monthly Income Plan – offering an interest return of Prime plus 3.0% per annum:
    o Interest earned is paid monthly;
    o Deployed as a lump sum amount;
    o Automatic redeployment for a period of five years.  Redeployment will continue unless an amortized exit is requested after 5 years
  • Capital Growth Plan – offering an interest return of Prime plus 5.0% per annum,
    o Compounded monthly:
    o Deployed as a lump sum amount.
  • Capital Builder Plan – offering an interest return of Prime plus 7.5% per annum,
    o Compounded monthly:
    o Deployed as a monthly amount.

BCBS’s lending opportunity offers individuals looking for yield pickup, an interest return that is uncorrelated to market returns, in a low risk lending environment protected by legislation (in terms of the Sectional Titles Act).

Further information is available for download here – Lending Opportunity Summary

Please contact me should you want to discuss further either in person or over the phone.