Investment Proposal
"Savers under attack from all angles" - The Daily Telegraph - Money Supplement 01/07/23
The Daily Telegraph recently published an article about safeguarding your savings from inflation, banks and the tax man. Explaining that now "...interest rates are rising, savers are starting to see better returns. However, despite rising rates and inflation a basic rate tax payer with £50,000 of savings, in an easy access ISA account, earning 5% per year, stands to lose more that £4,700 in real terms...". Vive St Felix is offering an opportunity to invest you savings for a 15% return over 5 years. A break down of this shows as followed .....
Lloyds ISA
Year 1: £25,000 4.95% £1,237.50
Year 2: £25,000 5.00% £1,250.00
Year 3: £25,000 5.00% £1,250.00
Year 4: £25,000 5.00% £1,250.00
Year 5: £25,000 5.00% £1,250.00
Interest gained over 5 years £6,273.50
Initial £25,000 + Interest £31,237.50
- 12% Inflation overall losses of £3,748.50
In real terms, your estimated
returns, with inflation, for
£25,000 over 5 years is - £27,525.00
(these are estimated figure that fluctuates)
Vive International
Year 1: £25,000 15.00% £3,700.00
Year 2: £25,000 15.00% £3,700.00
Year 3: £25,000 15.00% £3,700.00
Year 4: £25,000 15.00% £3,700.00
Year 5: £25,000 15.00% £3,700.00
Interest gained over 5 years £18,750.00
Initial £25,000 + Interest £43,750.00
- 12% Inflation overall losses of £5,250.00
In real terms, your estimated
returns, with inflation, for
£25,000 over 5 years is - £38,500.00
Lloyds ISA - Five Year Investment - £27,525.00
Vive St Felix - Five Year Investment - £38,500.00
St Felix - Five Year Forecast
WE’RE LOOKING FOR FINANCIAL INVESTMENTIN TO OUR COMMERCIAL HOLIDAY BUSINESS.
Investments starting from £25,000.00 will be used for redeveloping the property to commercialise it for holiday rents and other business uses.
£1,000.00 per share, broken down into £1.00 value per share, £999.00 loan to VIVE International, a shareholder in the French Property.
We will pay up to 15% annual return on Capital Investment per share.
Shares over 60 months, with the option of repaying the initial capital investment 5 years after completion of the re-development phase.
INCOMINGS
Year 1 £25,000 x12 = £300,00
- £275,000 = £ 25,00
Year 2 £25,000 x24 = £600,00
- £560,000 = £ 625,00
£ 75,00
Year 3 Income on St Felix 1st year - £ 442,000
+ monies from year 2 - £ 75,000
£ 517,000
Year 4 Income on St Felix 2nd year +20% - £ 530,556
+ monies from year 3 - £ 517,000
£ 1,047,556
Year 5 Income on St Felix 3rd year +20% - £ 636,667
+ monies from year 4 - £ 1,047,556
£ 1,684,223
Year 6 Income on St Felix 4th year +20% - £ 636,667
+ monies from year 5 - £ 1,684,223
£ 2,320,890
Payoff 12 shareholders of - £ 525,000
£ 1,795,890
Year 7 Income on St Felix 5th year +20% - £ 636,667
+ monies from year 6 - £ 1,795,890
£ 2,432,557
Payoff 24 shareholders of - £1,050,000
£ 1,382,557
Less running costs for five years - £ 75,000 x 5 = £ 375,000
OUTGOINGS
Build costs £ 275,000
Build costs £ 550,000
+ first year interest of 12 £ 45,000
Year 2 interest on 36 £ 135,000
Year 3 interest on 36 £ 135,000
Year 4 interest on 36 £ 135,000
Year 5 interest on 24 £ 90,000
Payback 12 shareholder's £ 300,00
+ interest £ 225,000
£ 525,000
Year 6 interest on 24 £ 90,000
Payback 24 shareholder's £ 600,000
+ interest £ 450,000
£ 1,050,000