FIXED GUARANTEED INCOME QUESTIONS

 

WHAT DO YOU MEAN BY “FIXED INCOME"? WHAT DOES IT CONSIST OF?
Unlike investments in “variable income” (in which the profitability of the investment is not guaranteed or known in advance), investments in “fixed income” are low volatility and risk, ideal for the most conservative investors. They allow you to obtain a periodic income on the invested capital and have it returned at pre-established times. You know how much and when you will earn. No more chasing unpredictable ups and downs of the stock market or crypto.

 

WHAT IS THE MINIMUM AMOUNT I MUST HAVE TO PARTICIPATE?
US$50,000 (Fifty thousand US dollars) is the lower limit for this type of investment.
 

WHEN DO I GET PAY?

Payments are made every quarter.

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WHAT IS THE HIGHEST INTEREST RATE YOU PAY?

Growing Capital offers up to 5.5% per year, 16.5% in a 3 term period.

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WHAT IS A PROMISSORY NOTE?

A Promissory Note is a written, legally enforceable agreement to pay you interest at a specific rate and frequency and repay your principal (the original amount that you invest) on a specific date.

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HOW DO I WITHDRAW MY INVESTMENT?

Your principal is automatically returned to your funding account upon the maturity of your Note. You have the option to reinvest your principal if additional investment opportunities are available.

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WHAT TAX FORMS ARE PROVIDED?

Growing Capital provides Investors with an IRS Form 1099 annually every January.

 

WHAT IF I HAVE MORE QUESTIONS?

Deciding what to do with your money is hard. The world of finance, with all its insider language, doesn’t make it any easier. Contact us for more information or a no-obligation conversation.

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I MADE THE DECISION TO INVEST, HOW DO WE CONTINUE?
The next step is to contact our commercial team, and then become part of our select group of investors.

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RENTAL PORTFOLIO INCOME QUESTIONS

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WHAT'S THE DIFFERENCE BETWEEN A PERSONAL OR GROUP RENTAL PORTFOLIO?

- In a personal rental portfolio, you own and manage rental properties individually. Each property is treated separately for tax purposes. You can manage them yourself where you have full control over management, and decision-making. Any profits or losses from each property directly impact your personal finances. Managing one or multiple properties can be time-consuming and overwhelming. If one property faces financial challenges, it affects only that property. Tax benefits (such as deductions) are specific to each property. 

Growing Capital can take of you rental portfolio and you become a passive rental portfolio owner.

- In a group rental portfolio, multiple investors come together to collectively own and manage rental properties. These can be family members, friends, or business partners. A shared portfolio means a more diversified and lower risk across multiple properties. Grouping properties allows for potential tax benefits. Growing Capital as your group rental portfolio manager takes care of all decision-making always in 100% benefit for the group. The more income for you, the more income for Growing Capital. If rent is not collected, Growing Capital makes $0. Profits and losses are shared among group members.
Remember that both personal and group rental portfolios have their pros and cons. Consider your goals, risk tolerance, and resources when deciding which approach suits you best. If you’re interested in building a rental portfolio, let us know. From our experience, most of the people that start a personal rental portfolio self-managed end up hiring us to avoid headaches of every day operational decisions.

WHAT IS THE MINIMUM AMOUNT I MUST HAVE TO PARTICIPATE?

For a personal portfolio in the rental market areas we work right now you can start your personal property portfolio with $200,000 just for one house. For a group rental portfolio, you can participate with a minimum of $50,000.
 

WHEN DO I GET PAY?

Payments are made every quarter.

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HOW MUCH DO YOU CHARGE TO MANAGE A RENTAL PORTFOLIO?

Growing Capital charges 10% of rent but it is important to know that 10% is ONLY on income received. If a property is vacant or a tenant didn't pay, we do not get that 10%. 

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CAN I BUY THE PORTFOLIO IN MY NAME OR I NEED AN LLC?

Even though you can buy properties in your name, it is better to do it with an LLC to protect you and your assets. Contact us for me information. We have an accounting and legal department ready to clarify your doubts.

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FOR HOW LONG I HAVE TO OWN A PORTFOLIO?

If you own your personal portfolio, you are free to sell whenever you think it's necessary. If you are part of a group portfolio, we hold them between 3-7 years and we sell as the market is favorable for the group.

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HOW MUCH RETURN SHOULD I EXPECT?

Know that ANY invest you make does not guaranteed returns. In our experience, rental income is about 6% annual and appreciation is about 16% in 5 years, 25% in 7 years. As an example, if you invest $100,000 in a group portfolio, you will make 37% total return is sold in 5 years or 55% total return if sold in 7 years. For more information, please contact us.

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WHAT TAX FORMS ARE PROVIDED?

If you own your personal portfolio, your CPA will do your taxes for you. If you are part of a group portfolio, Growing Capital provides Investors with an IRS Form K1 annually.

 

WHAT IF I HAVE MORE QUESTIONS?

Deciding what to do with your money is hard. The world of finance, with all its insider language, doesn’t make it any easier. Contact us for more information or a no-obligation conversation.

​

I MADE THE DECISION TO INVEST, HOW DO WE CONTINUE?
The next step is to contact our commercial team, and then become part of our select group of investors.

 

​​​We hope that you will soon allow us to help you enjoy the present, safeguarding your future!