The majority of the world’s wealth is held in global real estate that has been inaccessible to the man on the street
12,9%
WHY
WHY
Now with our technology,we’re making it accessible to the other 99% who want to invest like the top 1%
WE’VE CHANGED ALL OF THAT!
99%
OUR VISIONOUR VISION
It’s our vision to make global real estate investing as simple as a swipe of a finger
9
BUT, it does change habits, and good habits change lives
$1 doesn’t change lives…
OUR VISION
From as little as $1
C O N F I D E N T I A L
4 MOST IMPORTANT COMPONENTS TO FINANCIAL SUCCESS
1. Don’t loose money
2. Asymmetric risk / reward
3. Tax Efficiency
4. Diversification
• Diversify across asset classes
• Diversify within asset classes
• Diversify across markets and currencies
• Diversify across time
Ray Dalio, “Need 15 uncorrelated bets, an array of attractive assets
that don’t move in tandem, reduce risk by 80% and risk / return ratio
increases by a factor of 5!”
C O N F I D E N T I A L
WHY PEOPLE ATTEND OUR WORKSHOPS
• To get information on different investments options.
• To learn how to make your money work harder & smarter resulting in better returns.
• To learn how to hedge against the Rand.
• To learn how to preserve assets and wealth.
• To learn how to have peace of mind, knowing that you have a Plan B for your family.
• To learn why diversification is important in your overall investment strategy.
• To learn about the different options if the Rand devalues and the economy becomes
unstable.
• To learn about immigration options i.e. how to get citizenship in another country.
• To learn about the best investment sectors.
• To learn how to do institutional grade due diligence.
• To learn how political instability affects your investment decisions and what to do about it.
• To learn how the economical climate affect your investments, where to invest, in what and
why.
• To learn how Wealth Migrate charges no fees.
• To learn how you can afford international education for your kids.
• To meet like-minded people and join a global community.
• To learn how to become a global citizen and have the freedom to do what you want.
C O N F I D E N T I A L
DIFFERENT INVESTMENT TYPES
• Bank Products
• Financial Products
• Bonds
• Stocks
• REITS / FUNDS / Syndication
• Real Estate – Residential
• Real Estate - Commercial
C O N F I D E N T I A L
THE OLD SYSTEM IS BROKEN
I N V E S T O R I N V E S T O RB R O K E R
P E N S I O NF U N D
P R I V A T EF U N D
R E A L E S T A T EB R O K E R S
DON’T TRUST THE SYSTEM
People are tired of being poor,
with 76% of people in USA being
concerned about their future and
only ¼ believing in the financial system.
LITTLE TO NO
TRANSPARENCY
Your money is put in structures
which are very complex and you
have no idea what property you
have invested in, have no control
and most importantly don’t have
access to the actual numbers.
HIGHER FEES, LOWER
RETURNS, NO ALIGNMENT
The returns are low, due to the
excessive fees of middlemen, who
dilute the return and result in less
than 1% of people in the western
world being able to retire wealthy.
There are too many people
between you and the property,
with interests not aligned.
1 – 2% FEE 1% FEE 2 – 20% FEE 1 – 3% FEE
C O N F I D E N T I A L
THE REAL ESTATE VALUE CHAIN
L A N D Z O N I N G D E V E L O P E R I N V E S T O R F U N D / R E I T Y O U
C O N F I D E N T I A L
THE REAL ESTATE VALUE CHAIN
The first step is land rezoning, and generally land
developers aim to make 30%+ return on their
money.
The developer then buys the zoned land and
creates something of value, aiming for 25% return
on their money.
The investor (often the same person as the
developer) then buys the asset and increases the
value by tenanting the property - this is called
‘seasoning the rents.’ They aim for at least 20%
return on their money.
C O N F I D E N T I A L
THE REAL ESTATE VALUE CHAIN
Once they have seasoned the rent, their payday
comes by selling the asset to a fund or REIT that is
incentivized by the amount of money they have
under management.
They are basically trying to spend their money and
buy cashflow so that they can pay the monthly
contributions. They aim to buy buildings with a
cashflow of 5 - 8%.
The last person in the value chain is you, the
person who invests in the fund or REIT. You want
to get wealthy, invest in a financial product (which
you think is real estate) and most people are happy
to just beat inflation.
C O N F I D E N T I A L
https://www.linkedin.com/pulse/how-wealth-created-real-estate-what-do-
billionaires-you-picken-%E9%BE%99%E8%88%B8
C O N F I D E N T I A L
THE REAL ESTATE VALUE CHAIN
L A N D Z O N I N G D E V E L O P E R I N V E S T O R F U N D / R E I T Y O U
“It’s too expensive”
“Too complicated”
“Too much compliance”
“I don’t know how”
“Access to dealsand partners”
“Difficult to invest inoffshore real estate”
“Time and effort”“Ongoing
management issues”
“Need the right structures”
“It sounds too goodto be true”
“Local real estate isso much hassle”
“I don’t have the time”
“How do I protect myself?”
“There are toomany scams”
C O N F I D E N T I A L
THE PRINCIPLES OF INVESTING
• Understanding the macro and micro economic factors of a country.
• Location of the property – where it is situated.
• What due diligence has been done.
• Risks – are there any risks and secondly, how do I manage risks?
• Choosing your partners.
• Tax, compliance, bank accounts and structures
• Managing your asset (know as “Sweat the Asset”).
• Understanding the exit.
C O N F I D E N T I A L
THE REAL ESTATE VALUE CHAIN
L A N D Z O N I N G D E V E L O P E R I N V E S T O R F U N D / R E I T Y O U
Income
Growth
31
Our clients started off investing at $100 000, as we’ve expanded so has our technology so that people can invest at $10 000, $1000 and NOW $100
OUR VISIONHOW WE DO IT
32
GLOBAL FOCUS
250+ Real Estate Crowdfunding / Fintech Platforms* Disrupting a $13,6 Trillion Global Dollar Market
33
THIS IS HOW WE’VE DONE IT
FOCUSING ON EMERGING MARKETS
MEMBERS
We just hit 107 countries that Members come from Investors = 46 countries
Awards
THIS IS HOW WE’VE DONE ITHOW WE DO IT
ENGAGING FEATURES
TO DEEPEN VALUE TO USERS
Listings
Investments
Supply
We currently generate revenue by monetising the demand side, and will expand to
monetise the supply side.
ENGAGING FEATURES TO
DEEPEN VALUE TO SUPPLY
CURRENT FOCUS: SCALING THE CORE
Demand
Our Business Model is a Traditional Marketplace
35
HOW WE DO ITWHAT
• Done in minutes.• Easy to create true, global wealth.• Quality Partners• Get the best opportunities• Invest from $1k.
No hassles, no management issues, no complex globaltax structures needed
Just focus on the best returns available in the global markettoday.
www.wealthmigrate.com
Global Real Estate Investing made easy.
Global Investment Due Diligence System(Big data & Algorithms) GIDDSTM
SMART INVESTING
International currency movements & impact analysis
Macro country based scenario planning
Financial structure optimization system
Country development partner trust assurance system
Micro city based scenario planning (scores the best suburbs)
REAP: Property investment yield forecasting tool (cash flow, tax, IRR)
Pre-Purchase Due Diligence (Fraud prevention, Property condition, Appraisal)
REMS: Maximize your investment through ongoing managementWealth Assist Solution: Live & online customer assistance call center, 1to1 supportCustomer Experience: Secure apps, secure investment platform
Global Investment Due Diligence System(Big data & Algorithms) GIDDSTM
SMART INVESTING
Where to invest?
When to invest?
Who to invest with?
What to invest in?
How to invest?
1
2
3
4
5
6
7
8
9
10
GLOBAL INVESTMENT DUE DILIGENCE SYSTEM
What is new?
• We have incorporated more research on Macro & Micro Analysis
• Reis, CBRE, Colliers, Corelogic, Marcus & Millichap, IRR, Knight
Frank, Cushman Wakefield, Co-Star
• We upgraded our Evaluation Tool with more matrix focusing on better
understanding the asset performance and streamlining the output
process to increase turn around time.
• Improved the Financial structure optimization system
• Improved the country development partner trust assurance system
What is planned?
• With these new upgrades we are working towards adding additional
weights to our Risk Matrix to enable quicker evaluation of different
opportunities through AI.
• Enabling partners to plug in there potential deals into the system and
know if it could succeed our Standards and Criteria.
GIDDS™
C O N F I D E N T I A L
LOCAL OFFSHORE
RETURNS Higher Lower
PROPERTY IS TOUGH Easier Tougher
PEACE OF MIND No Yes
FINANCIAL FAMILY PLANNING Maybe Yes
RAND HEDGE No Yes
DIVERSIFICATION No Yes
C O N F I D E N T I A L
FINANCIAL ADVANTAGES OF INVESTING IN
INTERNATIONAL PROPERTY
• Wealth preservation
• Rand hedge
• First world income and assets
• Tax
• Credit rating
• Diversification
• Peace of mind
• Plan B / Insurance policy
• Possible immigration option
• Comparable returns in first world economy
AUSTRALIAN YIELDS VS SOUTH AFRICAN YIELDS –
PASSIVE INCOME - 1978 TO 2010
C O N F I D E N T I A L
WHY INVESTING OVERSEAS MAKES SENSE NOW
• Low asset values
• Strong Rand
• Strategic investment approach, rather than crisis
management
• Control variables
• Great opportunities – capital need to unlock potential
• FDI and personal allowance to externalise wealth
Ra
nd
P
urch
asin
g P
ow
er
Cost of investment
C O N F I D E N T I A L
PITFALLS IN INVESTING OFFSHORE
• Wrong information / Wrong areas
• Purchase process – people loose deposits
• Wrong valuations / pricing misinterpretations
• Wrong tenants / No tenants
• Cash flow problems
• Maintenance problems
• Wrong property for market
• Can’t sell
• No customer service
C O N F I D E N T I A L
INCOME VS GROWTH OPPORTUNITIES
INCOME OPPORTUNITIES:
• This type of investment is focused on delivering an income
to the investor during the investment period. Typically,
these opportunities pay quarterly distributions to investors
and the gain at the end of the investment period.
• Returns are projected and calculated on the assumption
that the asset will be retained for a period of 3 - 5 years.
• The real value of the income opportunities lies therein that
an existing stabilized real estate asset is acquired at below
market value, which has a profitable monthly revenue
stream.
C O N F I D E N T I A L
INCOME VS GROWTH OPPORTUNITIES
GROWTH OPPORTUNITIES:
• This type of investment delivers a higher return at the
end of the investment period.
• Typically, this is an investment opportunity in real
estate development assets.
• At the end of the predetermined holding period, the
asset will be sold to realise a development profit.
C O N F I D E N T I A L
RISKS ASSOCIATED WITH REAL ESTATE INVESTING
Development Projects
• There is no income, only potential capital growth, usually.
• Project could take longer than expected.
• Construction costs could increase and interest rates.
• Unforeseen costs, due to unexpected events.
• Sales expectations might not be able to be met or lease up can take longer.
• Due to development periods of up to a number of years, the economy and
political environment can change.
C O N F I D E N T I A L
RISKS ASSOCIATED WITH REAL ESTATE INVESTING CONT.
Acquisitions
• Capital Call Risk
• Tenant Risk
• Interest Rate Risk
• Valuation Risk
• Political Risk
• Economic conditions that can change
C O N F I D E N T I A L
MORE THAN 80% OF PEOPLE INVESTING
OVERSEAS LOSE MONEY
• They make crisis investments – both with currency and assets, shares or
products.
• Don’t get the right information.
• Wrong partners.
• Don’t understand cash flows / management.
• Work with companies without local and international offices.
• Underestimate after sales and costs.
• Buy off-plan with long lead times and can’t get financing.
C O N F I D E N T I A L
SG PROPERTIES – MEDICAL 1
Total Deal Size: $16,345,918
Total Equity Raised: $5,732,906
Projected Returns: 8.3% p.a.(Quarterly Distributions)
Project Investor Return:15.65% + (Internal Rate of Return)
Investment Period: 5 years
• 7 x Medical Office Buildings
• On or near medical campus
• 1 Building expanded within 1st
year
• Expanded further during the 2nd
year of investment
Property Type: Medical Office
Class: B
Total Rental Space: 65846 SF / 6117 m2
Location: Atlanta, Georgia, USA
Q1 2017: 10,00% p.a.
C O N F I D E N T I A L
SG PROPERTIES – MEDICAL 2
Total Deal Size: $12,797,000
Total Equity Raised: $3,880,000
Projected return: 11,0% p.a.(Quarterly Distributions)
Project Investor Return:15.35% + (Internal Rate of Return)
Investment Period: 5 years
• 4 x Medical Office Buildings
• On or near medical campus
• 96% Occupancy from day one
Property Type: Medical Office
Class: B
Total Rental Space: 52 464SF / 4874M2
Location: Atlanta, Georgia, USA
Q1 2017: 11.22% p.a.
C O N F I D E N T I A L
SG PROPERTIES – MEDICAL 3
Total Deal Size: $13,138,750
Total Equity Raised: $3,990,000
Projected Return: 8.3% p.a. (Quarterly Distributions)
Project Investor Return: 16% + (Internal Rate of Return)
Investment Period: 5 years
• 1 x Plastic Surgeon Centre
• 1 x Child Care Practice
(Oldest Practice in Atlanta)
• Located in Affluent Northern Atlanta
Property Type: Medical Office
Class: B
Total Rental Space: 55 664SF / 5171 m2
Location: Atlanta, Georgia, USA
Q1 2017: 8.49% p.a.
C O N F I D E N T I A L
SG PROPERTIES – MEDICAL 5
Total Purchase Price : $8,385,987
Total Equity Raised: $2,677,358
Projected Return: 8% p.a. (Quarterly Distributions)
Project Investor Return: 12% + (Internal Rate of Return)
Investment Period: 5 years
• 1 x Plastic Surgeon Centre
• 1 x Child Care Practice
(Oldest Practice in Atlanta)
• Located in Affluent Northern Atlanta
Property Type: Medical Office
Class: B
Total Rental Space: $44 537SF / 4140 m2
Location: Douglasville, Georgia,
USA
Q1 2017: 8.29%
3 Major forces
R0,00
R1 000 000,00
R2 000 000,00
R3 000 000,00
R4 000 000,00
R5 000 000,00
R6 000 000,00
01-Jan-1978
01-Jan-1979
01-Jan-1980
01-Jan-1981
01-Jan-1982
01-Jan-1983
01-Jan-1984
01-Jan-1985
01-Jan-1986
01-Jan-1987
01-Jan-1988
01-Jan-1989
01-Jan-1990
01-Jan-1991
01-Jan-1992
01-Jan-1993
01-Jan-1994
01-Jan-1995
01-Jan-1996
01-Jan-1997
01-Jan-1998
01-Jan-1999
01-Jan-2000
01-Jan-2001
01-Jan-2002
01-Jan-2003
01-Jan-2004
01-Jan-2005
01-Jan-2006
01-Jan-2007
01-Jan-2008
01-Jan-2009
01-Jan-2010
01-Jan-2011
01-Jan-2012
01-Jan-2013
01-Jan-2014
01-Jan-2015
01-Jan-2016
Value
USA
SouthAfricanHousePrice
USAHousePrice
424%
3 Major forces
-R1 000 000,00
R0,00
R1 000 000,00
R2 000 000,00
R3 000 000,00
R4 000 000,00
R5 000 000,00
R6 000 000,00
R7 000 000,00
01-Jan-1978
01-Sep-1978
01-M
ay-1979
01-Jan-1980
01-Sep-1980
01-M
ay-1981
01-Jan-1982
01-Sep-1982
01-M
ay-1983
01-Jan-1984
01-Sep-1984
01-M
ay-1985
01-Jan-1986
01-Sep-1986
01-M
ay-1987
01-Jan-1988
01-Sep-1988
01-M
ay-1989
01-Jan-1990
01-Sep-1990
01-M
ay-1991
01-Jan-1992
01-Sep-1992
01-M
ay-1993
01-Jan-1994
01-Sep-1994
01-M
ay-1995
01-Jan-1996
01-Sep-1996
01-M
ay-1997
01-Jan-1998
01-Sep-1998
01-M
ay-1999
01-Jan-2000
01-Sep-2000
01-M
ay-2001
01-Jan-2002
01-Sep-2002
01-M
ay-2003
01-Jan-2004
01-Sep-2004
01-M
ay-2005
01-Jan-2006
01-Sep-2006
01-M
ay-2007
01-Jan-2008
01-Sep-2008
01-M
ay-2009
01-Jan-2010
01-Sep-2010
01-M
ay-2011
01-Jan-2012
01-Sep-2012
01-M
ay-2013
01-Jan-2014
01-Sep-2014
01-M
ay-2015
01-Jan-2016
Value
Australia
SouthAfricanHousePrice
AustralianHousePrice
499%
3 Major forces
-R500 000,00
R0,00
R500 000,00
R1 000 000,00
R1 500 000,00
R2 000 000,00
R2 500 000,00
R3 000 000,00
R3 500 000,00
R4 000 000,00
R4 500 000,00
R5 000 000,00
01-Jan-1978
01-Sep-1978
01-M
ay-1979
01-Jan-1980
01-Sep-1980
01-M
ay-1981
01-Jan-1982
01-Sep-1982
01-M
ay-1983
01-Jan-1984
01-Sep-1984
01-M
ay-1985
01-Jan-1986
01-Sep-1986
01-M
ay-1987
01-Jan-1988
01-Sep-1988
01-M
ay-1989
01-Jan-1990
01-Sep-1990
01-M
ay-1991
01-Jan-1992
01-Sep-1992
01-M
ay-1993
01-Jan-1994
01-Sep-1994
01-M
ay-1995
01-Jan-1996
01-Sep-1996
01-M
ay-1997
01-Jan-1998
01-Sep-1998
01-M
ay-1999
01-Jan-2000
01-Sep-2000
01-M
ay-2001
01-Jan-2002
01-Sep-2002
01-M
ay-2003
01-Jan-2004
01-Sep-2004
01-M
ay-2005
01-Jan-2006
01-Sep-2006
01-M
ay-2007
01-Jan-2008
01-Sep-2008
01-M
ay-2009
01-Jan-2010
01-Sep-2010
01-M
ay-2011
01-Jan-2012
01-Sep-2012
01-M
ay-2013
01-Jan-2014
01-Sep-2014
01-M
ay-2015
01-Jan-2016
Value
UK
SouthAfricanHousePrice
UKHousePrice
332%
3 Major forces
-R1 000 000,00
R0,00
R1 000 000,00
R2 000 000,00
R3 000 000,00
R4 000 000,00
R5 000 000,00
R6 000 000,00
R7 000 000,00
01-Jan-1978
01-Sep-1978
01-May-1979
01-Jan-1980
01-Sep-1980
01-May-1981
01-Jan-1982
01-Sep-1982
01-May-1983
01-Jan-1984
01-Sep-1984
01-May-1985
01-Jan-1986
01-Sep-1986
01-May-1987
01-Jan-1988
01-Sep-1988
01-May-1989
01-Jan-1990
01-Sep-1990
01-May-1991
01-Jan-1992
01-Sep-1992
01-May-1993
01-Jan-1994
01-Sep-1994
01-May-1995
01-Jan-1996
01-Sep-1996
01-May-1997
01-Jan-1998
01-Sep-1998
01-May-1999
01-Jan-2000
01-Sep-2000
01-May-2001
01-Jan-2002
01-Sep-2002
01-May-2003
01-Jan-2004
01-Sep-2004
01-May-2005
01-Jan-2006
01-Sep-2006
01-May-2007
01-Jan-2008
01-Sep-2008
01-May-2009
01-Jan-2010
01-Sep-2010
01-May-2011
01-Jan-2012
01-Sep-2012
01-May-2013
01-Jan-2014
01-Sep-2014
01-May-2015
01-Jan-2016
Value
USA,AusandtheUKvsSouthAfrica
SouthAfricanHousePrice
USA
Australian
UK
C O N F I D E N T I A L
WHAT IS A PORTFOLIO STRATEGY?
A portfolio strategy is a strategy used to diversify investment risk, by investing into
different types of opportunities over a predetermined time period.
EXAMPLE:
Ben wants to save monthly $1 000 for the next 16 years to have enough money for
his son who is 2 now. He is risk adverse and want to ensure that he gets a regular
return that can compound over the 16 years.
With Wealth Migrate’s current offerings, he can invest in a new opportunities on a
monthly basis, that provides quarterly dividends that he will be able to reinvest in
time with his monthly $1,000 investment, therefore ensuring with the current
offerings in 4 years (Multifamily) or 5 years (Medical) from now, he will receive
capital gains of around 20% after receiving on average 8% that he compounded
already in 48 (Multifamily) or 60 (Medical) other opportunities during this time.
C O N F I D E N T I A L
GET THE FACTS
• 1% Fees = 10 years of retirement income
• 96% of Fund Managers don’t beat the 15 year
market average
C O N F I D E N T I A L
GLOBAL CITIZENSHIP
We have partner with Gold Coast Regional Center in Florida,
which offers a Employment Based-5 program (EB-5).
Currently investing $500,000 + $60,000 structuring cost, this
investment is use to create 10 new full time jobs for US
citizens, by building a Mixed Use Development currently in
Hollywood, Florida.
There current projects consist of Residential units, Hotel and
Retail areas.
C O N F I D E N T I A L
DIFFERENCE BETWEEN A REIT / FUND, SYNDICATION, DIRECT, FINTECH, CROWDFUNDING & COLLABORATIVE SMART INVESTINGTM
C O N F I D E N T I A L
COLLABORATIVE SMART INVESTINGTM
Number InvestorConsiderations WealthMigrate RealEstateFunds PublicREITS PrivateREITS Syndication DirectDeals Crowdfunding
1 InvestmentExpertise Yes Yes Yes ? ? ? No
2 QualifiedPartners Yes No No No No ? ?
3 CollaborativeInvestment Yes No No No No No No
4 LowerFees Yes No ? No No Yes ?
5 Trust Yes No Yes No ? Yes ?
6 Transparency Yes No No No No ? ?
7 Alignmentofpartnersinvolved Yes No No No No No No
8
SpecificPropertyInvestmentor
Financialinstrumentcorrelated
withthestockmarket
Yes No No No Yes Yes ?
9 Diversification Yes Yes Yes ? ? No ?
10 Efficient,FlexiableCommitment Yes No Yes ? ? No ?
11 Communication Yes No Yes ? ? ? ?
12 LowBarrierstoEntry Yes Yes Yes ? Yes No Yes
13 MeaningfulInvolvement Yes No No No No Yes No
14
Digitalexperiencefromhome
withnomiddlemenYes No No No No No Yes
15 PurposefulSocialImpact Yes No No No No No No
99
BLOCKCHAIN
COUNTRIES FOR MEMBERS
70%REPEAT
INVESTORS
$65,7m + 3% $3,9m +
$43kAVG TRANSACTION
SIZE
107
COUNTRIES FOR INVESTORS
INVESTED BY CLIENTS EARNED BY CLIENTSPROJECT FEE
1525+TRANSACTIONS
: :
99
46
60+TEAM
Group Performance July 2017
OUR BOARD
FOUNDER: ASOB, WORLDS
FIRST EQUITY PLATFORM
PAUL NIEDERER
FOUNDER: PRIVATE PROPERTY,
ONE AFRICA MEDIA
JUSTIN CLARKE
FOUNDER: VARIOUS Financial
Services & FinTech CO’S
MARTIN FREEMAN
Compliance:
Platform:
BEST SELLING AUTHOR
& SPEAKER
DR DOLF DE ROOS
Education:
CHAIRMAN &
CO-FOUNDER, ALSO BENCHMARK
PROPERTY GROUP
HENNIE
BEZUIDENHOUDT
Real Estate:
FOUNDER: FEENSTRA
PROPERTY GROUP
PIETER
FEENSTRA
Specialist Advisors:
TRANSFORMPR
MICHAEL TERPIN
GLOBAL FinTech EXPERT
Compliance authority
Global PR & Communications
JOY SCHOFFLER
NETWORK SOCIETY
VENTURES
DAVID ORBAN
ARC PARTNERS
RICHARD TITUS
C O N F I D E N T I A L
HOW DO WE EARN?
• 3% to 5% transaction fee
upfront
• Existing relationships with key
partners in UK, Australia,
USA and South Africa
• USD $4m (20%) in deferred
earnings to be received by
Wealth Migrate over next 3
years.
3% to 5%
NOW
FUTURE
EARNINGS
C O N F I D E N T I A L
DO IT ON YOUR OWN OR WORK TOGETHER?
• Birds that fly in flocks, saves 20% energy
• Flocks fly 5km/hr faster than alone
• Flocks of 25 birds can fly 70% further than on their own
C O N F I D E N T I A L
4 MOST IMPORTANT COMPONENTS TO FINANCIAL SUCCESS
1. Don’t loose money
2. Asymmetric risk / reward
3. Tax Efficiency
4. Diversification
• Diversify across asset classes
• Diversify within asset classes
• Diversify across markets and currencies
• Diversify across time
Ray Dalio, “Need 15 uncorrelated bets, an array of attractive assets
that don’t move in tandem, reduce risk by 80% and risk / return ratio
increases by a factor of 5!”
THANK YOU // Q&A
www.wealthmigrate.com [email protected] +27 (72) 575 8719
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