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Sensewhere secures additional investment

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Edinburgh (PRWEB UK) 18 April 2013

Sensewhere has successfully secured additional funding from its investors to continue expansion and support new customers. The investment will help sensewhere capitalize on its leading position in the market following a significant increase in demand for its indoor location technology and solutions.

According to Rob Palfreyman, sensewhere CEO: “The company is heading in the right direction at a great speed and we are delighted to use this investment to expand and accelerate our efforts going forward. Recent activity in the market and growing realisation of the role indoor location technology now has, gives an exciting insight into what lies ahead.”

Following the launch of sensewhere’s adwhere and geowhere solutions at the end of 2012, sensewhere is now making available a new and more integrated version of its core sensewhere technology and an Evaluation Kit (EVK) in the form of an Android application. This latest fully integrated version of sensewhere positioning software uses sensors to complement the crowd sourcing of electromagnetic signals to provide a more accurate and efficient way to pin point a location indoors. The new EVK also integrates different indoor positioning technologies including support for both online and offline modes enabling accurate positioning without a network connection. It also includes GIS map smoothing and it will even work in areas that offer an existing fingerprint database. The new EVK was demonstrated during Mobile World Congress in Barcelona and is available now for trials globally.

About sensewhere:

sensewhere Ltd. is a world leader in hyper-local and indoor positioning solutions. sensewhere’s technology enables precise location information in areas where there is no or inaccurate satellite GPS data such as indoors or in dense urban areas. A key aspect of the technology is that it is based on sensewhere proprietary software and does not require installation of beacons or manual fingerprint to deliver fast accurate indoor location information.

Contact:

sensewhere Ltd.

Anna Majek

Communications Executive

Mobile: +44 7899 948 714

UK Office: +44 131 629 5452

E-mail: a.majek(at)sensewhere(dot)com







Start A Christmas Light Business With Low Investment

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Start A Christmas Light Business With Low Investment

Landscaping is a job with many benefits. 2 of the biggest benefits are making a lot of money during the summer months and being able to work outdoors. Although there is a lot of money to be made during the summer, for many landscapers the money virtually stops flowing during the winter months. This means landscape contractors have to find other ways of making money. Here are some ideas for winter time income for landscape contractors.

There are a few different ways landscape contractors can make money during the offseason. One of the best ways is by installing Christmas lights for people. This can be done for both residents and businesses. It actually fits right in with a landscaping business because the landscape contractor can use the same work crews and already has a large client base to market to.

Believe it or not, installing Christmas lights is very profitable. There are a lot of people who love to have their home or business decorated for the holidays but they don’t have the time, the will or the skill needed to do it well. These are people who are more than willing to pay to have their Christmas lights installed for them. They’re also people who hire a landscaper to get their lawn done. And that’s why installing Christmas lights is the perfect add-on service for landscapers.

Landscape contractors do need to begin to market and plan their Christmas light installation service early in the summer. They should start with the existing clients that they have.

For example, a landscape contractor could have a basic brochure printed and pass it out to every customer. With the brochure could be a coupon for a percentage off for existing clients who sign-up to have their Christmas lights installed before September 15th.

Not only should the marketing be done early, everything involved with the Christmas light installation business should be done as soon as possible This includes retaining or even hiring employees and ordering materials such as Christmas lights and decorations. Most Christmas light distributors raise their prices as the holidays get closer. So landscape contractors can save themselves a lot of money by ordering their lights and materials early.

Landscaping and installing Christmas lights really do fit together very well. They are both jobs that involve outdoor work yet they need to be done at different times of the year. Most importantly, many of the same people who hire landscapers are also interested in hiring someone to install their Christmas lights. So, any landscape contractors that decide to install Christmas lights will find that the transition is very smooth as well as profitable.

There are many benefits to being a landscape contractor. However, there is a major drawback too. That drawback is the fact that during the winter months there is usually no work to be done and most companies are forced to lay of most of their employees. That’s why the perfect business for landscape contractors is installing Christmas lights. Landscape contractors just have to make sure they start planning the business in the early on and that all the plans are done by late September. Then the landscaper can begin to install lights sometime around Halloween. This will allow the landscape contractor to make a lot of money during the winter time.

More Low Investment Business Ideas Articles

Power Quarterly Deals Analysis: M&A and Investment Trends – Q2 2013

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London (PRWEB) November 19, 2013

Power Quarterly Deals Analysis: M&A and Investment Trends – Q2 2013

Summary

GlobalData’s “Power Quarterly Deals Analysis: M&A and Investment Trends – Q2 2013” report is an essential source of data and trend analysis on the mergers and acquisitions (M&As) and financings in the power industry. The report provides detailed information on M&As, equity/debt offerings, private equity (PE), venture financing and partnership transactions recorded in the power industry in Q2 2013. The report portrays detailed comparative data on the number of deals and their value in the last five quarters, categorized into deal types, segments and geographies. The report also provides information on the top PE, venture capital (VC) and advisory firms in the power industry.

GlobalData derived the data presented in this report from proprietary in-house deals database and primary and secondary research.

Scope

-Analyze market trends for the power market in the global arena

-Review of deal trends in wind, fossil fuels, cogeneration, solar, hydro, biopower, geothermal, transformation technologies, energy efficiency, energy storage, energy infrastructure, and nuclear energy markets.

-Analysis of M&A, Equity/Debt Offerings, Private Equity, Venture Financing and Partnerships in the power industry

-Summary of power deals globally in the last five quarters

-Information on the top deals that took place in the power industry

-Geographies covered include – North America, Europe, Asia Pacific, South & Central America, and Middle East & Africa

-League Tables of financial advisors in M&A and equity/debt offerings. This includes key advisors such as Morgan Stanley, Credit Suisse, and Goldman Sachs

Reasons to buy

-Enhance your decision making capability in a more rapid and time sensitive manner

-Find out the major deal performing segments for investments in your industry

-Evaluate type of companies divesting / acquiring and ways to raise capital in the market

-Do deals with an understanding of how competitors are financed, and the mergers and partnerships that have shaped the power market

-Identify major private equity/venture capital firms that are providing finance in the power market

-Identify growth segments and opportunities in each region within the industry

-Look for key financial advisors where you are planning to raise capital from the market or for acquisitions within the industry

-Identify top deals makers in the power market

1 Table of Contents

1 Table of Contents 3

1.1 List of Tables 6

1.2 List of Figures 9

2 Power Industry, Global, Deals Summary 11

2.1 Power Industry, Global, Deals Analysis, Q2 2013 11

2.2 Power Industry, Global, Number of Deals by Type, Q2 2013 14

2.3 Power Industry, Global, Top Deals, Q2 2013 15

3 Power Industry, Global, Top Deal Makers, Q2 2013 16

4 Power Industry, Global, Deals Summary, by Type 17

4.1 Power Industry, Global, Merger and Acquisition Deals, Q2 2013 17

4.1.1 Top M&A Deals in Q2 2013 19

4.2 Power Industry, Global, Asset Transaction Deals, Q2 2013 20

4.2.1 Top Asset Transaction Deals in Q2 2013 22

4.3 Power Industry, Global, Asset Finance Deals, Q2 2013 23

4.3.1 Power Industry, Global, Project Finance Deals, Q2 2013 25

4.3.2 Power Industry, Global, Self-Funded Projects, Q2 2013 28

4.4 Power Industry, Global, Equity Offering Deals, Q2 2013 31

4.4.1 Top IPOs in Q2 2013 33

4.4.2 Top Secondary Offerings in Q2 2013 33

4.4.3 Top PIPE Deals in Q2 2013 34

4.5 Power Industry, Global, Debt Offering Deals, Q2 2013 35

4.5.1 Top Public Debt Offerings in Q2 2013 36

4.5.2 Top Private Debt Placements in Q2 2013 37

4.6 Power Industry, Global, Venture Capital Deals, Q2 2013 38

4.6.1 Power Industry, Global, Top Venture Financing Firms, Q2 2012–Q2 2013 40

4.6.2 Top Venture Financing Deals in Q2 2013 41

4.7 Power Industry, Global, Private Equity Deals, Q2 2013 42

4.7.1 Power Industry, Global, Top Private Equity Firms, Q2 2012–Q2 2013 44

4.7.2 Top Private Equity Deals in Q2 2013 45

4.8 Power Industry, Global, Partnership Deals, Q2 2013 46

4.8.1 Partnership Deals in Q2 2013 48

5 Power Industry, Global, Deal Summary, by Sector 50

5.1 Power Industry, Global, Wind Deals, Q2 2013 50

5.1.1 Wind – Deals of the Quarter 52

5.2 Power Industry, Global, Solar Deals, Q2 2013 54

5.2.1 Solar – Deals of the Quarter 56

5.3 Power Industry, Global, Fossil Fuel Deals, Q2 2013 57

5.3.1 Fossil Fuels – Deals of the Quarter 59

5.4 Power Industry, Global, Hydro Deals, Q2 2013 61

5.4.1 Hydro – Deals of the Quarter 63

5.5 Power Industry, Global, Biopower Deals, Q2 2013 64

5.5.1 Biopower – Deals of the Quarter 66

5.6 Power Industry, Global, Energy Efficiency Deals, Q2 2013 67

5.6.1 Energy Efficiency – Deals of the Quarter 69

5.7 Power Industry, Global, Nuclear Deals, Q2 2013 71

5.7.1 Nuclear – Deals of the Quarter 73

5.8 Power Industry, Global, Geothermal Deals, Q2 2013 74

5.8.1 Geothermal – Deals of the Quarter 76

5.9 Power Industry, Global, Energy Infrastructure Deals, Q2 2013 77

5.9.1 Energy Infrastructure – Deals of the Quarter 79

5.10 Power Industry, Global, Energy Storage Deals, Q2 2013 80

5.10.1 Energy Storage – Deals of the Quarter 82

6 Power Industry, Deal Summary, by Geography 83

6.1 Power Industry, North America Deals, Q2 2013 83

6.1.1 North America – Deals of the Quarter 85

6.2 Power Industry, Europe Deals, Q2 2013 88

6.2.1 Europe – Deals of the Quarter 90

6.3 Power Industry, Asia-Pacific Deals, Q2 2013 92

6.3.1 Asia-Pacific – Deals of the Quarter 94

6.4 Power Industry, Rest of the World Deals, Q2 2013 96

6.4.1 Rest of the World – Deals of the Quarter 98

7 Power Industry, Global, Top Financial Advisors 100

7.1 Power Industry, Global, Top Financial Advisors, M&A, Deal Summary, Q2 2012–Q2 2013 100

7.2 Power Industry, Global, Top Financial Advisors, Equity Offerings, Deal Summary, Q2 2012–Q2 2013 102

7.3 Power Industry, Global, Top Financial Advisors, Debt Offerings, Deal Summary Q2 2012–Q2 2013 104

8 Further Information 106

8.1 Methodology 106

8.2 About GlobalData 107

8.3 Disclosure information 108

8.4 Disclaimer 108

List of Tables

Table 1: Power Industry, Global, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 13

Table 2: Power Industry, Global, Deals by Type, Deals (Number and %), Q2 2013 14

Table 3: Power Industry, Global, Top Deals (US$ m), Q2 2013 15

Table 4: Power Industry, Global, Top Deal Makers, Number of Deals and Deal Values (US$ m), Q2 2013 16

Table 5: Power Industry, Global, M&A, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 18

Table 6: Power Industry, Global, Top M&A Deals (US$ m), Q2 2013 19

Table 7: Power Industry, Global, Asset Transaction, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012-Q2 2013 21

Table 8: Power Industry, Global, Top Asset Transaction Deals (US$ m), Q2 2013 22

Table 9: Power Industry, Global, Asset Finance, Number of Deals and Deal Values (US$ m), Q2 2012-Q2 2013 24

Table 10: Power Industry, Global, Project Finance, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 26

Table 11: Power Industry, Global, Top Project Finance Deals (US$ m), Q2 2013 27

Table 12: Power Industry, Global, Self-Funded Projects, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 29

Table 13: Power Industry, Global, Top Self-Funded Projects, Q2 2013 30

Table 14: Power Industry, Global, Equity Offerings, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 32

Table 15: Power Industry, Global, Top IPOs (US$ m), Q2 2013 33

Table 16: Power Industry, Global, Top Secondary Offerings (US$ m), Q2 2013 33

Table 17: Power Industry, Global, Top PIPE Deals (US$ m), Q2 2013 34

Table 18: Power Industry, Global, Debt Offerings, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 36

Table 19: Power Industry, Global, Top Public Debt Offerings (US$ m), Q2 2013 36

Table 20: Power Industry, Global, Top Private Debt Placements (US$ m), Q2 2013 37

Table 21: Power Industry, Global, Venture Capital, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 39

Table 22: Power Industry, Global, Top Venture Financing Firms, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 40

Table 23: Power Industry, Global, Top Venture Financing Deals (US$ m), Q2 2013 41

Table 24: Power Industry, Global, Private Equity, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 43

Table 25: Power Industry, Global, Top Private Equity Firms, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 44

Table 26: Power Industry, Global, Top Private Equity Deals (US$ m), Q2 2013 45

Table 27: Power Industry, Global, Partnerships, Deals Summary, Number of Deals, Q2 2012–Q2 2013 47

Table 28: Power Industry, Global, Wind, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 51

Table 29: Power Industry, Global, Solar, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 55

Table 30: Power Industry, Global, Fossil Fuels, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 58

Table 31: Power Industry, Global, Hydro, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 62

Table 32: Power Industry, Global, Biopower, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 65

Table 33: Power Industry, Global, Energy Efficiency, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 68

Table 34: Power Industry, Global, Nuclear, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 72

Table 35: Power Industry, Global, Geothermal, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 75

Table 36: Power Industry, Global, Energy Infrastructure, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 78

Table 37: Power Industry, Global, Energy Storage, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 81

Table 38: Power Industry, North America, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 84

Table 39: Power Industry, Europe, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 89

Table 40: Power Industry, Asia-Pacific, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 93

Table 41: Power Industry, Rest of the World, Deals Summary, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 97

Table 42: Power Industry, Global, Top Financial Advisors, M&A, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 101

Table 43: Power Industry, Global, Top Financial Advisors, Equity Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 103

Table 44: Power Industry, Global, Top Financial Advisors, Debt Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 105

List of Figures

Figure 1: Power Industry, Global, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 11

Figure 2: Power Industry, Global, Number of Deals by Type (%), Q2 2013 14

Figure 3: Power Industry, Global, Mergers and Acquisitions, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 17

Figure 4: Power Industry, Global, Asset Transactions, Number of Deals and Deal Values (US$ m), Q2 2012-Q2 2013 20

Figure 5: Power Industry, Global, Asset Finance, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 23

Figure 6: Power Industry, Global, Project Finance, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 25

Figure 7: Power Industry, Global, Self-Funded Projects, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 28

Figure 8: Power Industry, Global, Equity Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 31

Figure 9: Power Industry, Global, Debt Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 35

Figure 10: Power Industry, Global, Venture Capital Deals, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 38

Figure 11: Power Industry, Global, Top Venture Financing Firms, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 40

Figure 12: Power Industry, Global, Private Equity Deals, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 42

Figure 13: Power Industry, Global, Top Private Equity Firms, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 44

Figure 14: Power Industry, Global, Partnerships, Number of Deals, Q2 2012–Q2 2013 46

Figure 15: Power Industry, Global, Partnership Deals, Break-Down (%),Q2 2013 47

Figure 16: Power Industry, Global, Wind, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 50

Figure 17: Power Industry, Global, Solar, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 54

Figure 18: Power Industry, Global, Fossil Fuels, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 57

Figure 19: Power Industry, Global, Hydro, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 61

Figure 20: Power Industry, Global, Biopower, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 64

Figure 21: Power Industry, Global, Energy Efficiency, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 67

Figure 22:Power Industry, Global, Nuclear, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 71

Figure 23:Power Industry, Global, Geothermal, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 74

Figure 24: Power Industry, Global, Energy Infrastructure, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 77

Figure 25:Power Industry, Global, Energy Storage, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 80

Figure 26: Power Industry, North America, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 83

Figure 27: Power Industry, Europe, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 88

Figure 28: Power Industry, Asia-Pacific, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 92

Figure 29: Power Industry, Rest of the World, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 96

Figure 30: Power Industry, Global, Top Financial Advisors, M&A, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 100

Figure 31: Power Industry, Global, Top Financial Advisors, Equity Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 102

Figure 32: Power Industry, Global, Top Financial Advisors, Debt Offerings, Number of Deals and Deal Values (US$ m), Q2 2012–Q2 2013 104

Read the full report:

Power Quarterly Deals Analysis: M&A and Investment Trends – Q2 2013

http://www.reportbuyer.com/banking_finance/capital_markets/power_quarterly_deals_analysis_ma_investment_trends_q2_2013.html#utm_source=prnewswire&utm_medium=pr&utm_campaign=Investment_Banking

For more information:

Sarah Smith

Research Advisor at Reportbuyer.com

Email: query@reportbuyer.com

Tel: +44 208 816 85 48

Website: http://www.reportbuyer.com







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crowdfunding conference Award, donation investment CrowdFundingmentors, Jobs act

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crowdfunding conference Award, donation investment CrowdFundingmentors, Jobs act

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Hypo Venture Capital Asset Allocation: A Sound Investment Strategy Part 2

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Here at Hypo Venture Capital we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

In today’s complex financial markets, you have an impressive array of investment vehicles from which to select. Each investment also carries some risks, making it important to choose wisely if you are selecting just one.
The good news is that there’s no rule that says you must stick with only one type of investment. In fact, you can potentially lower your investment risk and increase your chances of meeting your investment goals by practicing “asset allocation.”

Asset Allocation Can Work
For instance, at age 25 you may decide to invest with the goal of retiring in comfort within 40 years. Most likely, your investment goal is to achieve as much growth as possible growth that will outpace inflation substantially. In aiming to reach this goal, you may allocate 70% of your assets into aggressive growth stocks, 20% into bonds, and 10% into money market instruments. You have years to ride out the wide fluctuations that come with stocks, but at the same time, you potentially lower your risk with your bond and money market holdings.
Because your goals and circumstances are unique, you may want to talk with an investment advisor who can help you tailor an allocation strategy for your needs. Generally, your asset allocation will change as you reach different stages in your life, as your investment goals also change along with these shifts in lifestyle.
If you have been investing aggressively for retirement for more than 20 years and are now less than 10 years from retiring, protecting what your investment may have earned from market ups and downs may become more important. In this case you may want to gradually shift some of your stock allocation into your bond and money market holdings. Keep in mind, however, that many financial experts recommend that stocks be considered for every portfolio to maintain growth potential.
A Simple Process, Some Dramatic Potential Results
Asset allocation is a simple concept, yet vital to long-term investment success. In fact, a landmark study cited in Financial Analysts Journal shows that about 90% of the variability of average total returns earned by balanced mutual funds and pension plans over time was the result of asset allocation policy.3 For many individual investors, the asset allocation decision amounts to choosing what types of mutual funds to invest in and the amount to invest in each type of fund. Others may want to add individual securities to this mix after exploring their investment options.
Regardless of the asset allocation strategy you choose and the investments you select, keep in mind that a well-crafted plan of action over the long term can help you weather all sorts of changing market conditions as you aim to meet your investment goal(s).
Points to Remember
1.Asset allocation is the way in which you spread your investment portfolio among different asset classes, such as stocks and stock mutual funds, bonds, and bond mutual funds.
2.When prices of different types of assets do not move in tandem, combining these investments in a portfolio can help reduce the variability of returns, commonly referred to as “market risk.”
3.Mutual funds are pools of securities, usually offering diversification within a single asset class. Some mutual funds may include several asset classes.
4.The asset allocation that is right for you depends on your investment time frame, goals, and tolerance for risk.
5.As your investment time frame and goals change, so might your asset allocation. Many financial experts suggest reevaluating your asset allocation periodically or whenever you experience a milestone event in your life such as marriage, the birth of a child, or retirement.
Want to know more?
Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

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The origins of crowd-funding

 
Crowd-funding is an internet-inspired means of raising money for a project or business from the mass market.  It is a relatively recent concept that has its origins in community and arts-based projects which members of the public are inclined to support for benevolent reasons. 
 
For example, a crowd-funding internet site might seek to raise £100,000 over a period of 30 days to help fund the making of a film.  If the website users subscribe the cash, they would receive acknowledgement that reflected the scale of their contribution – a £200 donation might be rewarded with tickets to the premiere and a £1,000 donation might lead to dinner with the director.
 
This “charitable” crowd-funding model has gathered pace and the sums of money raised have caught entrepreneurial eyes that see the potential for crowd-funding to explode into a major socio-economic phenomenon.  The key to unleashing such an explosion is through returning financial rewards to investors for their money.
 
Crowd-funding as an investment model
 
Different crowd-funding investment models are evolving, creating a new breed of retail “armchair dragons”.  The investment models can either take the form of debt (where the website user lends money to a crowd-funded business) or equity (where the investor becomes a shareholder in the crowd-funded business).
 
The crowd-funding investment model provides a greater rate of return than retail investors are likely to receive from investing in listed bonds or shares. It is also cheaper for the businesses than bank borrowing or institutional investment.  The investors can remain passive, as the crowd-funding website operator attends to investor protection issues, such as debt recovery and vetting the underlying business.
 
Barriers to crowd-funding investment
 
Crowd-funding as an investment model faces challenges in the form of existing consumer protection regulation.  The UK Government has signalled that it is interested in reviewing legal and regulatory barriers to crowd-funding. However, any relaxation of consumer protection measures will be subject to careful scrutiny to mitigate against the increased risk of public scandals resulting from fraud or poor book-keeping.
 
The obvious subject of a crowd-funding regulatory regime is the crowd-funding website operator.  As lending to non-consumer businesses is not regulated in the UK, the debt-based investment model escapes the majority of financial services regulation.  However arranging equity investment constitutes activity that is regulated by the Financial Services Authority (FSA) – soon to become the Financial Conduct Authority. 
 
Operators of equity-crowd-funding websites will therefore generally need to comply with financial services conduct of business requirements, such as assessing the appropriateness of investments for investors and holding client money in segregated accounts.  Whilst there are structures that enable operators to avoid becoming authorised, such structures can place significant technical and reputational restrictions on the operator’s ability to develop.
 
Even where the website operator seeks authorisation from the FSA, the current regulatory regime does not permit the promotion of crowd-funding “projects” to the general public, where the project concerned is not housed within a corporate structure.  For example, an authorised crowd-funding website operator could not arrange investment by the general public into a computer game, where the investors would receive a share in the net profits generated by games sales.  This is because of the prohibition on promoting “unregulated collective investment schemes” (more commonly referred to as “investment funds”) to the public.
 
The existing regulatory culture of assessing the individual circumstances and knowledge of investors does not sit well with an objective to open up the equity-based investment model to the mass-retail market.  This arises from the difficulty firms face in devising cost-effective processes that adequately vet individuals making micro-investments of, say, £10.

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In today’s complex financial markets, you have an impressive array of investment vehicles from which to select. Each investment also carries some risks, making it important to choose wisely if you are selecting just one.

The good news is that there’s no rule that says you must stick with only one type of investment. In fact, you can potentially lower your investment risk and increase your chances of meeting your investment goals by practicing “asset allocation.”

Asset Allocation Can Work

For instance, at age 25 you may decide to invest with the goal of retiring in comfort within 40 years. Most likely, your investment goal is to achieve as much growth as possible — growth that will outpace inflation substantially. In aiming to reach this goal, you may allocate 70% of your assets into aggressive growth stocks, 20% into bonds, and 10% into money market instruments. You have years to ride out the wide fluctuations that come with stocks, but at the same time, you potentially lower your risk with your bond and money market holdings.

Because your goals and circumstances are unique, you may want to talk with an investment advisor who can help you tailor an allocation strategy for your needs. Generally, your asset allocation will change as you reach different stages in your life, as your investment goals also change along with these shifts in lifestyle.

If you have been investing aggressively for retirement for more than 20 years and are now less than 10 years from retiring, protecting what your investment may have earned from market ups and downs may become more important. In this case you may want to gradually shift some of your stock allocation into your bond and money market holdings. Keep in mind, however, that many financial experts recommend that stocks be considered for every portfolio to maintain growth potential.

A Simple Process, Some Dramatic Potential Results

Asset allocation is a simple concept, yet vital to long-term investment success. In fact, a landmark study cited in Financial Analysts Journal shows that about 90% of the variability of average total returns earned by balanced mutual funds and pension plans over time was the result of asset allocation policy.3 For many individual investors, the asset allocation decision amounts to choosing what types of mutual funds to invest in and the amount to invest in each type of fund. Others may want to add individual securities to this mix after exploring their investment options.

Regardless of the asset allocation strategy you choose and the investments you select, keep in mind that a well-crafted plan of action over the long term can help you weather all sorts of changing market conditions as you aim to meet your investment goal(s).

Points to Remember

1. Asset allocation is the way in which you spread your investment portfolio among different asset classes, such as stocks and stock mutual funds, bonds, and bond mutual funds.

2. When prices of different types of assets do not move in tandem, combining these investments in a portfolio can help reduce the variability of returns, commonly referred to as “market risk.”

3. Mutual funds are pools of securities, usually offering diversification within a single asset class. Some mutual funds may include several asset classes.

4. The asset allocation that is right for you depends on your investment time frame, goals, and tolerance for risk.

5. As your investment time frame and goals change, so might your asset allocation. Many financial experts suggest reevaluating your asset allocation periodically or whenever you experience a milestone event in your life such as marriage, the birth of a child, or retirement.

Want to know more?

Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

Hypo Venture Capital is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.hypovc.com

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