Invest Your Pension Pot in Property

16.03.15

Next month, eagerly awaited pension freedoms will give the over 55’s the opportunity to access their savings to spend as they wish. Many are expected to look to invest their retirement in property markets either at home or abroad, whilst others are predicted to use their savings to splash out on lavish holidays.

But what if you could make a strategic investment in property markets whilst also enjoying luxury holidays every year throughout your retirement? Shared equity ownership specialist Rocksure has devised a solution. For a limited financial outlay, investors in one of the company’s property Funds can own a share in, and importantly use a portfolio of elegant properties across some of the world’s most coveted destinations.

Every Fund offers retirees a way to benefit from the long term capital gains to be made by investing in real estate markets, as at the end of the life of the 7-10 year Funds the properties are sold and proceeds distributed amongst shareholders. This comes with the added benefit of being able to use the striking portfolio of properties for a number of nights every year- providing a variety of destinations worldwide for investors to enjoy annually.

Investing in one of Rocksure’s property Funds can help to remove some of the inherent risks associated with purchasing property abroad. By investing a much smaller amount of your pension pot in a portfolio of properties as opposed to single location, Rocksure offers a diversified investment strategy- spreading risk across different markets. This leaves your precious pension pot less vulnerable to market fluctuations such as changing property values, rises in exchange rates, political uncertainty or increases in flight costs. Shares can also be bought in the name of purchasers’ offspring over the age of 18 for those looking to invest in their children’s future.

Rocksure’s Capital Fund for example, offers a selection of ten lavish two bedroom apartments and townhouses across some of Europe’s most romantic cities including Barcelona, Vienna, Florence and Prague, many of which can be accessed by train as well as by plane. Those beckoned by continental charms can enjoy 1-2 weeks a year at the properties for one off sum of as little as £45,000 (plus modest annual dues), enabling retirees to explore the romantic cities of Europe whilst making a strategic diversified investment across its cities.

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According to CEO of Rocksure David Rogers, “By investing as little as c. £45,000 in the Capital Fund or £115,000 in the Crystal Fund, you spend as little of your pension fund as you can while acquiring co-ownership of multiple properties instead of one. This thereby minimises your risk and allows you to obtain two returns instead of one: your annual return in terms of the enjoyment of your properties for a few weeks each year as well as the potential for capital gain at the end of the Fund’s life when all of the properties will be sold. Rocksure’s ownership model means there is no need to get involved in the complexities of buying in a foreign country, nor the hassle of managing and maintaining it on a remote basis, or renting it out to defray running costs. You don’t have to lift a finger.”

Appealing to those seeking a more investment-focused purchase, the recently launched London Fund is an ideal solution for those who wish to participate in the capital gains to be made in the perennially popular London property market. Carefully chosen to maximise potential capital appreciation over the ten year life of the Fund, a half unit share in the portfolio of four apartments across some of the city’s most exclusive locations such as Kensington, Chelsea, Westminster and Covent Garden is just £122,500- a mere fraction of the price of just one of the properties in these exclusive Boroughs. With a significant opportunity for capital appreciation, buying a share in your children’s name could offer a tax favourable way to build a capital nest egg for your offspring.

An almost identical Manhattan Fund will offer a share in two bedroom apartments, located across areas such as Midtown, Upper East Side, Tribeca and Lower Manhattan for $175,000 for a half unit.

Shareholders can holiday not only in the properties within their Fund, but can also apply part of their annual usage to gain access to all of the apartments and villas owned by other Rocksure Funds around the world through the company’s inter-Fund programme- a ticket to wonderful getaways the world over, regardless of the Fund you choose to invest in.

For more information visit: www.rocksure.com

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  • Ibiza Transit Express
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