Retail Bonds and the autumn period.

As we approach October we stretch out of the summer period and start to adjuct to progressing into a new year.October is a funny month for most people as adjusting doesnt seem easy but it always will feel like that.However ,progress we must and start thinking of next year and how we can make it a better year.Companies must also think about next year in investment in the business and securing trade.Securing finance is also important and as the banks seem to be sitting on their hands issuing retail bonds is a way for some companies to raise the finance they need to stabalise a business,invest in the business or both.
And when banks realise that business has changed its mindset and are looking for and finding other ways of finance it may be too late for the banks' bottom line.Time alone will tell.

Retail Bonds and a changing world.

As the time moves towards Jan 1st 2013 ,the date when advice for those with investments under £100000 will not be obtainable from many sources that they are used to getting.As it is always wise to have a diversified investment portfolio it is probable that Retail Bonds will be an investment that many will have as part of their medium term package.
This will see the market grow but as we have said before that companies that offer Retail Bonds as a form of public investment must approach this in a different way to others they have of raising capital and must be more open to their investors who would probably like to be kept up to date.Email being the necessary option.
Happy and successful investing to you all.

I.S.A.'s and Retail Bonds.

If you purchase retail bonds with a run date of 5yrs or more you can pklace them in an I.S.A. therefore saving you income tax.
Happy and successful investing.

Equity and retail bonds.

The requirements for equity settlements are changing on Nov 1st and require market makers to settle in 4 days in stock purchases or they will get fined.Market makers say that in smaller and mid cap shares trades direct to smaller purchases(2000 shares)  probably wont be of interest to them in trading.Therefore smaller companies will struggle to get money for investing because of their share customer purchase base when issuing new shares.We at www.RetailBonds.co.uk  believe that smaller and mid cap companies will now be serious in looking at retail bonds as a way of raising capital to invest.That will only make the market for retail bonds to grow larger and faster.
Happy and successful investing to you all.

Retail bonds and investor interest.

As the interest grows in retail bonds more companies are beginning to show interest in issuing them.Ther process between thinking about issuing them and actually issuing them apart from the legalities takes time as if it is a new way of financing for the company involved in the issue physicologicaly they have to adapt their thinking.Also The general investing public are often not aware of such retail bond issues.We at Retail Bonds.co.uk  intend to try to remedy the situation by comprehensively marketing retail bonds as a form of investment for public investors.All advice however in the relativety of buying retail bonds for investment must be given by an advisor regulated by the F.S.A.
Happy and successful investing.

Bond Issues as they are issued.

We are intending to keep you up to date with Retail Bonds as they are issued.The latest one is Workspace today being Thurs 20th 2012.We have put the links to Workspace at http://www.RetailBonds.co.uk    . Happy and successful investing to you all.

Business loans and advice.

On our Website http://www.helpfulbanking.mobi    we have added links to Community Development Finance Initiative with regards business finance and a link to the Governments free Money Advice Centre.
We hope both of these may be useful to some of you.
Happy and Successful Investing.

Loans and Debt advice.

As bank financing seems to be getting tighter and tighter we have put links on 2 of our sites to assist you,family or friends in surviving todays economy.
We have put free links to a free debt advice centre and a free link to Community Development Finance Initiatives on http://www.helpfulbanking.mobi     also on   http://www.SustainableBanking.co.uk We hope these are some help to you or people you know.  

Bonds and their attraction to the retail investor.

Retail Bonds are attracting great interest from the retail investor as they start to diversify their portfolio and returns from banks seem to diminish further.As we have said it is ideal to get advice from those regulated by the F.S.A.This will become more important from the 1st of January 2013 when it is officially obligated by the law as those not registered cannot give advice.
More Retail Bond issues will now start to appear as we move out of the holiday season.
Successful investing to you all.

Bonds and Future Income.

If as expected, and the figure is true ,this financial year £97 billion will come out of tied investments and looking for a home to make an income from.Also from 1st Jan 2013 rules about investment advice comes in and some investment advisors will not remain qualified to give advice.Banks have already started getting rid of financial advisors and there is talk that banks are looking for investors with a minimum of £100000 to invest.
This will leave many people without investment advice.It is therefore necessary for retail investors to get more knowledgeable about investing.It is also necessary for the market for Retail Bonds to give out more information on a regular basis to enable retail investors to have a balanced view.Therefore enabling them to consider Retail Bonds as an investment for their portfolio.

Infrastructure Bonds.Project Bonds.

As we progress out of the severe downturn we have been in the E.U. infrastructure projects will inevitably start up again .Their funding is openly discussed and many ways are suggested.One of the ways is to issue Project Bonds supported by the Governments of the countries involved.Obviously some countries are not in a position to do this yet but the U.K. Government is.Psychologically it is not yet quite there but we expect it  to get there soon.
Project Bonds will ,if as expected,secure the initial investment in the projects when they are at their most delicate stage of investment.
If this does develop in the way we expect we will keep you up to date through www.ProjectBonds.eu
In the U.K. any information will come through www.ProjectBonds.co.uk

Bond Investment Direct.

There seems to be an interest in investment direct into Retail Bonds rather than through Bond Funds.This is because Bond Funds incur a yearly management fee and direct purchase of Retail Bonds do not.Although Bonds held in a Fund are protected up to £50,000.
The choice of purchase of Retail Bonds must be by the investor alone but as some are finding a yearly fee does reduce the overall returns on the investment.
At www.RetailBonds.co.uk we will endevour to keep you up to date on movements within the Retail Bond market.

America and Retail Bonds.

Their is talk of a movement by an American Stock Market to create a platform to enable investors to invest and trade in European Retail Bonds.As the U.K. is part of Europe I would assume that should include  U.K. Retail Bonds.I would therefore expect those Retail Bonds that were accepted on the American platform would come under American legislation. If and when this does or may take place we at http://www.retailBonds.co.uk will keep You informed of the progress.It is believed that the American Market is collating trade from 2 of its markets to place in the new platform to enable it to be successful from the start.

London Stock Market and Retail Bonds.

The London Stock Market set up a platform to enable Retail Bonds to be traded on.Although most Retail bonds will be traded on this platform some are not so investors should be aware of this.Any advice for investing in Retail bonds should be by advisers registered with the F.S.A.
The platform will enable Retail Bond issues to grow faster as investors will see the bonds traded and availability if they wish to purchase the Retail Bonds after the closing date only if some investors wish to sell.
The stability that the stock market platform will give Retail Bonds will allow the development of the market in them to accelerate.

Affordable Housing and Retail Bonds

Many Housing Associations are issueing Retail Bonds as Banks have dried up lending to them.Some Housing Associations cannot issue Retail bonds because of their legal setups.If society wishes to reduce homelessness more social housing is required but one of the biggest problems with it is councils send the money direct to recipients instead of straight to the social housing operators.
This affects controlled cashflow and problems when the money is spent by the recipients and not used to pay the rent.Perhaps it is time the Government changed its rules in order to secure Social Housing Operators.
Banks also should consider selling the Housing Association loans to the pension funds.Although you can understand the Banks not wanting to take a hit on the loans I am sure if there is a will aggreements between Banks and Pension Funds could be concluded successfully for both sides as I am sure the Banks dont want the loans on their books.
Now is the time we need to review social housing and make it a necessary and important part of the structure in the U.K.

Local Authorities and Retail Bonds

It is being discussed that it may be possible for Local Authorities, with the Governments Blessing, to possibly issue Retail Bonds for infrastructure projects in their areas and attract investors within their authority areas.To enable this to actually take place and be successful marketing of the ideas need to start well before the issue of such bonds.To just raise funds by issuing Retail Bonds and expecting residents in their area to just invest is just pie in the sky as it is at the moment.
A long term push into letting residents know what benefits a project should have and expecting them to invest is not feasable. Long term planning should begin now and if a Local Authority does raise funds via Retail Bonds and is successful they must continue to inform their investors as a Company would do.
To let down their Retail bond investors once will put back their raising of capital this way for a long time.

Open Information Market in Retail Bonds.

As Retail Bonds start to be accepted into mainstream investments so more capital will become available by investors to enable Companies to diversify their capital loan base.As both sides start to work together and the Market grows so both Investors and Retail Bond issuing Companies will start to settle into the requirements of the Market.Open information is necessary for the Market in Retail Bonds to flourish and any Company that does not provide that will find that investors will be reluctant to invest with them.