Investment Mastermind Q4 2023

01/02/24 • 38 min

The Rodcast - Property, Business, Investment

Joined again by Adam Lawrence and Manish Kataria we each pick a specific investment that anyone can do in their ISA or pension and explain the reasoning behind it.

As well as our picks, we discuss;

Pound cost averaging,

changing a portfolio for retirement

Bias to home nations

How value vs growth has performed

Nominal vs real numbers.

How long do you hold specific investments for and what makes you make a decision to sell or not.

Rod's pick is one of the Vanguard lifeStrategy funds which is 100& in equities with a bias to UK and USA. https://www.vanguardinvestor.co.uk/investments/vanguard-lifestrategy-100-equity-fund-accumulation-shares/overview

Adam's pick is Developed countries small cap value ETF https://www.ishares.com/ch/professionals/en/products/317548/ishares-international-developed-small-cap-value-factor-etf

Manish's pick is an energy ETF with a weighting towards American Oil producers https://www.google.com/finance/quote/XLE:NYSEARCA?sa=X&ved=2ahUKEwj71Jn_sb6DAxWOQUEAHYwHCCUQ3ecFegQIKBAX

For more info about the Boardroom Club please email me [email protected]

For information about finance for property investors regarding mortgages and development& bridging loans please contact our sponsors 978 finance [email protected]

Hosted on Acast. See acast.com/privacy for more information.

Joined again by Adam Lawrence and Manish Kataria we each pick a specific investment that anyone can do in their ISA or pension and explain the reasoning behind it.

As well as our picks, we discuss;

Pound cost averaging,

changing a portfolio for retirement

Bias to home nations

How value vs growth has performed

Nominal vs real numbers.

How long do you hold specific investments for and what makes you make a decision to sell or not.

Adam's pick is Developed countries small cap value ETF https://www.ishares.com/ch/professionals/en/products/317548/ishares-international-developed-small-cap-value-factor-etf

Manish's pick is an energy ETF with a weighting towards American Oil producers https://www.google.com/finance/quote/XLE:NYSEARCA?sa=X&ved=2ahUKEwj71Jn_sb6DAxWOQUEAHYwHCCUQ3ecFegQIKBAX

For more info about the Boardroom Club please email me [email protected]

For information about finance for property investors regarding mortgages and development& bridging loans please contact our sponsors 978 finance [email protected]

Hosted on Acast. See acast.com/privacy for more information.

Previous Episode

How Banks Price Mortgages - Daryl Norkett

I spoke with Daryl Norkett the Head of Real Estate Proposition at Shawbrook Bank, one of the biggest Buy to Let and property investment lenders to discuss how mortgages work from the banks point of view.

You can also watch this episode on our youtube channel https://youtube.com/@rodcastITP?si=MbqPWAGHJEmlvcfZ please don't forget to subscribe and hit the bell icon.

This episode is vital listening for investors concerned about mortgage costs and who want to understand which factors affect pricing.

With the emphasis being on SWAP rates for the last year or two, hear how deposit led banks could be affecting mortgage pricing in this higher rate environment

Daryl gives a great run down of what has been happening in the mortgage market over the past 12 months.

What he feels needs to happen in order for mortgage rates to go down and what the time lag between those events happening and the price cuts occurring will be.

What makes some lenders pull mortgage deals while others wont need to.

How the high arrangement fees on many mortgage products affect the banks risk in terms of loan to values.

And lots more ...

How National Insurance cuts and fiscal drag can affect property investors portfolios in different ways.

If you have requirements for Buy to let mortgages, commercial mortgages, Development loans or bridging Loans then please contact [email protected] our sponsor who has done an amazing job of financing all aspects of my portfolio.

Hosted on Acast. See acast.com/privacy for more information.

Next Episode

JV Mistakes, Due Dilligence, M & A

Adam Lawrence joins me in this episode to discuss Joint Ventures and the mistakes people make as well as due diligence and some info on M&A in SME property businesses.

We will go into much more detail at our live workshop in London on 24th April. More info here https://bit.ly/propertybusinessworkshop2

Points we cover in this episode are;

Joint Ventures

What do you want from a business partner. Where do you need to be aligned and where does it help to be different.

What happens in the event of a dispute. What are typical traps business partners fall into.

How can shares and what is included in Articles of Association mitigate issues.

The difference between Articles of Association and a Shareholders agreement and why you may use one over the other.

Why do people tend to fall into these traps when going into a business together.

Some examples of what can go wrong and what to include in an agreement to mitigate the chances of that.

Ensuring everyone knows where they stand in the event a dispute takes place and the mechanism that will be used to come to a decision.

Key person issues.

What to do if you are already in business and do not have these things in place.

Utilising Trigger Events.

Due Diligence on partners.

How to work out if a person or company will be a good custodian of your capital.

Return of Investment before Return on Investment.

Evidencing what people say.

Why accounts matter.

Ways of dissolving companies.

Online and offline due diligence.

Secured and unsecured debt and how to look at both and the real leverage someone or a company is really under pressure from.

Subordination and order of priorities.

How do you underwrite a deal as well as a person/organisation.

How to manage expectations when lending.

Mergers & Acquisitions on SME property Businesses.

Benefits of buying a company holding assets rather than the just the properties... It is not just Stamp duty.

Negotiation points from both the buyer and seller.

We will be going into far more detail on these topics at a live workshop event on 24th April in London. You can get more details for the event as well as buy tickets https://bit.ly/propertybusinessworkshop2

Hosted on Acast. See acast.com/privacy for more information.