Investing my savings
In the economic sector, when we talk of investment we reference to a financial activity of a subject, called an investor.
Therefore, investing means starting an activity aimed at increasing one's own assets. Very important in this case is the availability of an initial capital, not necessarily a conspicuous one.
The investment can be dealt with by a private individual or by an entrepreneurial subject in the context of his business activity.
You can in fact decide to invest available money or invest accumulated savings over few years.
What is an investment fund?
A mutual investment fund is a financial instrument comparable to a large moneybox where converge resources of small and large savers.
The Collective Investment Savings Bodies (acronym OICR), more commonly known as mutual investment funds, are products of collective management of saving consisting of assets divided into parts, the property of which belongs to a plurality of investors. OICRs are financial instruments comparable to large moneybox where converge the resources of small and large savers.
To each undersigned is recognized the same rights, in proportion to the number of units and types of share classes held.
The management of the "moneybox" is entrusted to an investment management company that offers the advantage of a professional investment service to all savers who otherwise, having a small capital available or lacking the necessary skills, could not afford it.
The manager of a fund invests in various types of assets such as: liquidity, bonds, shares and real estate. The decision on what to buy depends on the investment objective of the fund.
The advantages of common investments:
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Leverage the specialist skills of the fund manager
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Joining forces with thousands of other investors, you can access to investment opportunities that are bloked to individual investors
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Your investment risk is distributed in different types of products and allows you to create a diversified portfolio that depends not only on the fate of a single project and / or company.
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Remember that the value of investments may decrease or increase and the investor may recover less than invested
The funds invest in different types of underlying activities, helping you to spread your investment risk. Your savings are invested in multiple projects, making you less dependent on the success or failure of the individual, and creating a diversified portfolio.
Equity funds
Risks associated with shares can be reduced by investing in equity funds. A manager selects a range of actions to reduce the dependency on the performance of a single company.
Growth-oriented funds - the aim is long-term capital growth. The fund manager selects the companies with the best potential in terms of appreciation of the share quote.
Income-oriented funds - whose aim is to generate attractive income for investors. The manager selects those companies that correspond to regular dividends and whose share quote tends to be less volatile than that of other companies.
Bond funds
The bonds are loans taken by companies (corporate bonds) or governments (government bonds) in order to rally capital. For all purpose, they are credit statements that promise to return the amount borrowed on a fixed date and to pay a fixed interest rate over the duration of the loan.
Bond funds can be of different types and vary according to the type of bonds in which they invest: from government bonds to corporate bonds; from bonds with a short deadline to those with a longer one; from bonds issued in Developed Countries to those of Emerging Countries.
Overall, government bonds are considered to be safer than shares because it is a Sovereign State to guarantee its payment. Corporate bonds, on the other hand, are subject to the risk that the company results unable to honor its loan or that it is insolvent on the payment of interest.
Balanced funds
This type of funds diversify investments in both bonds and shares
Money and liquidity funds
These funds invest in short-term monetary bonds in order to deposit capital that may be needed in the short term. The advantage for individual investors is represented by the possibility of benefiting from higher interest rates, normally blocked to them as private investors.
Energetic and real estate funds
Energy real estate funds can represent the ideal solution for those who want to limit the risk associated with investing in the individual building and / or energy production system and distribute it over several assets.
Most real estate funds do not deal with the energy sector and only have commercial, hospitality, residential and industrial real estate assets. Visolis Fund combine the real estate and energy sectors to minimize investment risk.
Real estate and energy funds are subdivided into two categories:
Traditional real estate funds
Traditional real estate funds invest directly in the bricks and mortar. The fund deals with the search for real estate, the negotiation of the sale, the search for tenants and the maintenance of buildings. Investor returns are constitute of possible revaluations of properties held by the fund as well as a rental component.
It is important to note that traditional real estate funds can be difficult to sell, so it is not always possible to make investments when needed. Your sales instructions may be delayed or have restrictions on withdrawals. Furthermore, the value of a property is the result of subjective judgments rather than objective calculations.
Funds of real estate companies
There are also funds such as the VISOLIS Fund which invest in shares of companies operating in the real estate and energy sectors. Investors earn on constant annual returns from real estate lease and energy production. Furthermore, they may also receive income in the form of dividends paid in shares of the companies themselves.
A real estate fund may hold shares in companies known under the initials of REIT (Real Estate Investment Trust).
Choose the Location that suits you best
Three investment areas are available in the Visolis Fund Trust:
VIPRO ( Visolis Project )
VNT ( Visolis New Technologies )
Revis Green
Each of them has distinct classes of action, uniquely identified by the subscription contract.
Each Investment Area offers:
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VIPRO invests in three sectors of the real economy (Energy - Real Estate - Water)
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VNT Visolis New Technologies is a product that invests in Blockchain - Mining Farm technology powered by Green Energy and Cryptocurrency
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Revis Green is reserved for owners and proprietors of energy production plants from renewable sources for investment purposes.
You can choose according to your needs, selecting from the different versions available for:
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Inclination to risk
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Efficiency expectations
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Immobilization of liquidity (time horizon)
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Volatility of the reference market
Risk propensity and performance expectations indicate a willingness to bear a loss. In our efficiency expectations we must never forget that higher yields correspond to greater risks.
The time horizon indicates how long we are willing to give up our financial resources to keep them immobilized in an investment product.
Market volatility in which we invest. More volatility higher efficiency but greater is the risk of partial or total loss of capital.
Visolis fund seeks to understand your financial profile, your desire and the chance you have of risking, your expectations and the time horizon of your investment.
Our investment actions for the Revis Green product are called "G." Green Shares = reserved for the REVIS GREEN product (revisgreen)
Our investment actions for the VIPRO and VNT products are two types
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"P" Privileged Shares = These are the Shares that are issued at promotional moments that follow one another during the time to reward the most virtuous subscribers. This class gives a special right in the distribution of profits, as better specified in the information sheet.
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“S” Standard Actions = These are Shares for those who will subscribe to the fund at different times
The currency of the Visolis fund's share classes is in EURO for VIPRO and REVIS GREEN products.
The currencies of the Visolis fund's share classes are in EURO and / or in Cryptocurrency for the VNT product.
How to evaluate the funds
Once you have identified the type of fund that best suits your needs, you are ready to select your funds. But how can you choose among the hundreds of funds on the market?
The funds on the market for years allow us to assess their historical performance, even if past results are not indicative of future ones.
Historical performance is a factor that helps to understand the level of success achieved by the fund over time. But it must keep in mind that the more the assets of a fund increase, the more it could become difficult to efficiently manage it.
A good performance can also depend on management time.
Investing in funds in which the investment is transparent, I see and decide on and how to invest with concrete and guaranteed projects, give greater security to the capital and protect any losses.
Annual management commissions and / or commissions on refunds must be reviewed and clear at the time of subscription.
It is important to analyze all the costs of a fund and to rely on managers who practice an absolutely transparent cost policy.
Distribution or accumulation of proceeds
Income accrued in the fund means the result of the investment generated by the fund's investment in individual products.
The accumulation share classes reinvest the incomes accrued in the fund up to the natural deadline of the investment period by increasing the capital, while the distributed versions pay with a typically six-monthly and / or annual frequency.
Advantages of distribution classes:
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Get a periodic income;
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Consolidate the income distributed by the fund into a current account.
Disadvantages of distribution classes:
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Income taxes are withheld at each payment;
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The income once paid will not be reinvested and as such does not participate in the potential further growth of the capital.
VISOLIS Fund proposes, for each share class, two types of choice
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To distribution of income at duty (Coupon "D")
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To accumulation with capital increase (Coupon "A")
The management commissions of your capital diversify in entry costs and recurring annual costs.
Entrance fee: these are applied before the investment by the distributors at their discretion, and are fully recognized to them.
Recurring annual fees (current expenses): these are a series of costs applied to the fund's assets, and include a series of items of which the most significant are management fees, distribution fees, administrative charges and custodian bank fees.
Guide to Commission charges
The charges relating to a fund are part of the overall performance of your investments.
When you decide where to invest, remember to examine a fund's investment purposes. But there is another factor not to be overlooked: the charges. Some funds, such as those that replicate an equity index, have relatively low costs. Others instead apply greater charges because they have exclusive investment skills and virtuous projects.
Annual management fee
Every year a percentage usually between 0.50% and 1.5% is charged to the fund by the management company as a management fee. This commission is included in the price of the fund and is calculated every six months, therefore it does not appear in the account statements.
Current expenses
The current expenses (previously known as TER - Total Expense Ratio) indicate the annual operating expenses of a fund. They consist of the sum of the annual management fee and the additional expenses associated with the management of the fund, such as legal, accounting and capital custody costs. These expenses are applied monthly on the basis of a pro rata share of the assets.
Entry fee
Applied before the investment at the discretion of the placement agents, they are fully recognized to them. These are expenses charged to cover the administrative and marketing costs of the fund as well as the consultant's remuneration (if applicable).
Conversion Commission (Switch)
If you switch from one fund to another, the placement agent could apply the conversion fee, also called "switch". As far as Visolis is concerned, this commission can reach a maximum of 0.90%.
Exit commissions
Visolis applies exit commissions only in the event of withdrawal of the capital before the scheduled timing of the subscription. Other products existing on the market may include exit commissions at the time of sale at the end of the timing.
Efficiency fees (commonly known as performance fees)
Visolis applies commission on the efficiency of projects. If our team is able to obtain greater dividends than those subscribed, on the difference that will ripen, Visolis applies a variable% only on the incremental part.