Long-term: Bernstein Value & Income Portfolio / Short-term: Accumulating Interest - Cash Deposit Certificates

 

 Funds

 

Two solutions for different needs - connected by jointly creating economic value

Long-term:

The BVIP investment approach combines time-tested principles of value investing (first esta-blished by Benjamin Graham, successfully implemented by Warren Buffett) with modern investment management tools

BVIP

We have been investing our own funds following the "Ten Commandments" since 2011, consistently generating yields of 10% and above. The hurdle rate of the BVIP is 8%. Our 2015 return was 8.8% (after deducting 0.4% fees and a 20% carry)

Short-term:

We have set-up a program for short-term cash investments for flexible durations from one to twelve months at competitive rates. The funds are held at Toronto-Dominion Bank, the second largest bank in Canada with total assets of CDN bn …

AI-CDC

The edge of the Accumulating Cash Interest Deposit Certificates ("ACI-DC") is the payment of bonus interest in case the initial placement period is extended. The bonus increases with each prolongation. Details are presented hereafter …

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Bernstein Value & Income Portfolio ("BVIP")

Introduction

The BVIP investment approach combines time-tested principles of value investing (first esta-blished by Benjamin Graham, successfully implemented by Warren Buffett) with modern investment management tools. We have been investing our own funds following the "Ten Commandments" since 2011, consistently generating yields of 10% and above. The hurdle rate of the BVIP is 8%. Our 2015 return was 8.8% (after deducting 0.4% fees and a 20% carry).

Accumulating Cash Interest - Deposit Certificates

Introduction

There is only one way in which we are different as investors than you: 20% of any returns on the funds invested in the BVIP exceeding the hurdle rate of 8% per annum, calculated over a five year period, will accrue to us. We will receive neither an annual management fee nor any other compensation for managing the BVIP. Please check additional information and sample calculations on this approach here: "Allocation of profits & costs"

Implementation & investing

Our main motivation though is getting more people out of the costly, non-transparent and hypocrite world of private banking, out of ill-advised mutual fund investments, out of commission-driven brokerage accounts or out of mispriced derivative investments.