Resources for HNIs, Family Offices and Wealth Managers

In our opinion, High Net-Worth Investors with investible assets between $1.0 million to $10.0 million (US Dollars) are probably the most-undeserved group of investors. Our goal is to provide some informative value and service to this group through the articles written below. Some of these articles have been published in publications and others are only provided on this website. This information should not be reproduced or used in unauthorized ways or used as a sole basis for investments without adequate consultation. We would be very interested in connecting with the above group of investors, family office executives and wealth-management professionals servicing this HNI group. Do contact us for further discussion or if there are specific questions that the reader wants answered. Feel free to email me from the “Contact Us” section in the other tab. In addition to the questions/ comments, please provide full name, city of residence, email address and phone number. All types of feedback would be highly appreciated because it would provide the author an opportunity to update his knowledge base and outlook too.

The basic premise of these write-ups is to assist the above groups or other groups to carefully evaluate investment decisions and make decisions that suit their situation. There are many common mistakes or oversights that investors make while evaluating such investment decisions and the goal is to provide information in an open, honest and analytical manner. Just following “commonly held” notions or “mass” strategies may not be the best idea. The goal is to help HNIs, family office executives and wealth-management professionals with information and viewpoints which may be different from what they have been hearing for a long time.

So, if the questions listed below apply to you, Wealth Manager(s) or High Net-Worth Investor(s) or Family Office Executive(s), then you should read and analyze the information provided and contact us, if you prefer:

1. Is Risk-adjusted Returns as an investment concept of interest to you?

2. Are you a wealth manager working with HNIs and are looking to provide them with innovative and unique investment ideas?

3. Are you running a small or medium sized Family Office and looking to optimize your risks and returns?

4. Are you concerned about investment losses in your home market?

5. Are you invested mainly in fixed income or equity securities, currently?

6. Are you worried about losses in your equity portfolio?

7. Is your main real estate investment the “house you live in”?

8. Is your secondary real estate investment a “vacation” property or land?

9. Are most or all of your investment assets concentrated in one country?

10. Are your real estate holdings concentrated in one city or in one region of the country or in one country?

11. Do you have a large mortgage or multiple mortgages on your real estate holdings?

12. As an HNI (net-wealth less than $10.0 million), do you have a large commercial real estate portfolio?

13. Are you worried about the exchange rate of your country’s currency weakening over time (Russia, Latin America, and South Africa)?

14. Are most of your investments in the “safer”, slower growing developed markets (Canada, EU, Japan, Australia/ NZ, USA)?

15. Are most of your investments in the “riskier”, emerging markets (China, India, South-East Asia)?

16. Are you worried about geo-political issues or single-resource driven economies in your “home-region” (Gulf Countries)?

17. Are you considering diversifying your portfolio by purchasing real estate?

18. Are you considering purchasing investment properties or investment real estate in your home country or home city?

19. Are you considering purchasing international real estate or a condominium in USA, Europe, Canada or Australia?

20. Are you considering buying an under-construction or under-development property (for investment)?

21. Are you considering buying riskier real estate assets such as student-housing, hotels/hospitality properties, retail properties etc.?

22. Are you interested in investing in a Real Estate Fund or a Real Estate PE Fund or a REIT (Real Estate Investment Trust)?

23. Are you looking to invest in Debt securities of Real Estate Developers?

In our opinion, the most effective and efficient way to invest in real estate is to aim for “Risk-Adjusted” Returns. Diversified residential real estate holdings across multiple countries and multiple cities within those countries is the “holy grail” of real estate investing. Mid to Long Term Correlation of real estate assets with each other should be a focus area, but that changes from time to time. Managing such real estate holdings though is a logistical nightmare. Buying a publicly traded REIT is not the answer because that introduces the risks of equity markets, among other risks. Owning single apartment(s) in one foreign city or in a city away from your home city or in your home city (in addition to your primary property) is not the answer. Try to own a “global real estate portfolio”, as owned by some of the largest funds, in addition to the mix of other assets that you own. Risk-Adjusted Real Estate Returns should be the focus.

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IMPORTANT INFORMATION

The information provided here is mainly for information and educational purposes and should not be considered as Investment Advice. Further, this is not an attempt, nor should be construed as such, to purchase or sell securities or assets or solicit funds from individuals.  No information presented constitutes a recommendation to buy, sell or hold any security, financial product or instrument or asset discussed or to engage in any specific investment strategy. There are possibilities that there may be various conflicts of interest issues. The views expressed in the write-ups reflect personal views about all of the subjects, assets, companies and securities and not the views of RealTMOR Asset Mgmt LLC or RealTMOR Apartment Mgmt LLP. The data used to create the write-ups is sourced from publicly available sources and then refined further into proprietary data. There is no guarantee that this data is correct or accurate nor any guarantee that data generated by RAM is accurate or correct. RAM’s policy is to update or post information as and when it deems appropriate. The views may change based on developments in the sector or the market. There may be material changes which could impact the views or opinions stated on this website. Any individual or institution making any investment decision based on the information provided shall be fully responsible for any investment decisions made, and such decisions will be based solely on his/her/their evaluation of one’s financial circumstances, investment objectives, risk tolerance, and liquidity needs. Neither the author nor RAM is responsible for any losses incurred or any investments made. RAM is not authorized to provide investment advice, transact in securities or assets. Historic performance of assets is not guarantee of future performance of the same asset. And, estimations derived from historic performance could be materially wrong.