Buffered Index and Designed Income Offerings for October 4th, 2022

Minimum investment in the below offerings is $25,000

NOTE: Due to volume of incoming investments, accounts must be processed and funded at least 10-14 days prior to the above date. Funding deadline date is October 4th, 2022. Rates are only guaranteed through the processing period.

Offering #1: Designed Income

  • Coupon Rate = 10.00% Annual Yield (coupon paid quarterly)​
  • Maturity: 36 months
  • Underwritten by Citigroup Global Markets, Inc

    • Performance tracks DJIA, NASDAQ 100 and S&P 500​

  • Coupon Barrier 25.0% (call for info on this feature)

  • Example of Coupon on $100,000 investment would pay approximately $2,375 per quarter based on the parameters listed in the below PDF attachment Investment Addendum. Please call for info on this "Bond-Type" income generation portfolio.  

  • Principal Barrier 50.0% (tracked equity indexes can be down up to 50% and your principal will be returned at the end of the 36 month maturity period. Call for full and complete info on this feature)
  • Execution Date = October 7th, 2022
  • Call Provisions: Issuer Callable after 1 year* (this is a protection feature, call for more info)
  • click PDF button below for full Designed Income presentation 
  • See chart below
10-2022 Designed income w-notes.png

Offering #2: Dual-Directional Buffered Index

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by Credit Suisse.

    • Investment tracks the S&P 500 & DJIA​

  • The portfolio is Uncapped, meaning you will capture whatever interest the tracked index returns. You will receive the full return of the index if it is 36.35%, or 60%. If the index returns 38.0% (for example) you would receive 38.0% return. This provides unlimited upside, and it also protecting your downside losses. (see chart below)

  • Offers a "Dual-Directional" buffer of 15.0%

    • What is a "Buffer"? A buffer offers a level of "protection" to your assets. In this case, it is "Dual-Directional". Example, if at the end of 24 months, the portfolio has dropped 18.0%, you would add the buffer of 15.0% and only be down 3.0%. However, the feature gives actually gives a return if the return is between 0% and negative -15.0%. So, if it was down 15.0%, you would actually receive the inverse of that, or positive (+)15.0%, which is a 30% swing! Or, if it was down -10.0%, you would be up 10.0% (a 20% swing). Any negative loss between 0% and 15% would offer you the opposite gain on the positive side, or what we call "dual-directional". ​

    • With a volatile market, people are looking for buffers, or options to get some level of protection on their funds, this can help for a portion of those funds.

  • Execution Date = October 7th, 2022

  • This portfolio has no call provisions

  • Click the PDF button below for the full Dual-Directional presentation

10-2022 Dual Directional.png

Offering #3: Dual-Directional Buffered Index

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by Goldman Sachs & Co, LLC

    • Investment tracks the Buffered S&P 500​

  • The portfolio is capped at 32.35%, meaning you will capture interest the tracked index returns over the 24 months up to 32.35%. You will receive the full return of the index if it is 30.35%.. If the index returns 38.0% (for example) you would receive 32.35% return, as that is the cap rate you are able to earn. This portfolio is "capped" because they offer you downside protection at a pre-determined level, so you are not taking on the full weight of the market, or in this case, an index. (see mechanics of portfolio in the chart below)

  • Offers a "Dual-Directional" buffer of 15.0%

    • What is a "Buffer"? A buffer offers a level of "protection" to your assets. In this case, it is "Dual-Directional". Example, if at the end of 24 months, the portfolio has dropped 18.0%, you would add the buffer of 15.0% and only be down 3.0%. However, the feature gives actually gives a return if the return is between 0% and negative -15.0%. So, if it was down 15.0%, you would actually receive the inverse of that, or positive (+)15.0%, which is a 30% swing! Or, if it was down -10.0%, you would be up 10.0% (a 20% swing). Any negative loss between 0% and 15% would offer you the opposite gain on the positive side, or what we call "dual-directional". ​

    • With a volatile market, people are looking for buffers, or options to get some level of protection on their funds, this can help for a portion of those funds.

  • Execution Date = October 7th, 2022

  • This portfolio has no call provisions

  • Click the PDF button below for the full Dual-Directional presentation

10-2022 Dual Directional capped.png

Offering #4: Buffered Index

  • Term: 18 months

  • This portfolio does not participate in dividends

  • Underwritten by The Goldman Sachs Group, Inc. 

    • Tracks the S&P 500 and the DJIA

  • This portfolio is intended to offer additional "buffer" up to 20.0% of any losses at the end of the 18 month term. Example, your portfolio is down 20.0% at the end of 18 months, you would have no loss. If it was down 22%, you would only be down 2.0%. It provides a level of protection that a normal portfolio can't do.

  • Cap: 29.0% - this means that over the 18 months, you cannot earn interest above 29.0% over the 18 months. If the return at the end of 18 months is 29.0%, you would get the full return, if it was 14.25%, you would get the full return, however, if it returned 32.0%, you would only get 29.0%. The Goldman Sachs Group, Inc. caps higher potential growth over 29% because in order to provide the the client with a buffer (or downside market protection feature) of 20.0%, this is  necessary.

  • Execution Date = October 7th, 2022

  • Click the PDF button below for the full Buffered Index presentation

10-2022 Buffered-Index example 18 month.png

Offering #5: Buffered Index

  • Term: 24 months

  • This portfolio does not participate in dividends

  • This portfolio has a Participation Rate of 200% (info below)

  • Underwritten by Morgan Stanley Finance, LLC

  • Tracks the S&P 500, the DJIA and NASDAQ 100​

  • This portfolio is intended to offer an additional "buffer" up to 10.0% of any losses at the end of the 24 month term. Example, your portfolio is down 10.0% at the end of 24 months, you would have no loss. If it was down 12%, you would only be down 2.0%. It provides a level of protection that a normal portfolio can't do.

  • Cap: 43.00% - this means that over the 24 months, you cannot earn interest above 43.00%. If the return at the end of 24 months is 43.00%, you would get the full return, if it was 24.25%, you would get the full return, however, if it returned 48.0%, you would only get 43.00%. Credit Suisse caps higher potential growth in order to provide the buffer (or downside market protection feature) of 10.0%.

  • Participation Rate - IMPORTANT FEATURE!: An example of how the participation rate of 200% works... If the return at the end of 24 months is 18.2%, they would multiply that return by 200%, or 36.4% gained. If the return was 12.8%, they would multiply that return by 200%, or 25.6% gained. If the return was 23.5%, multiplied  by 200% = 47%, your return would be capped at 43.00%, so your gain would be 43.00%. This is a way to capture additional gains above and beyond a traditional return of the market or an index. 

  • Execution Date = October 7th, 2022

  • Click the PDF button below for the full Buffered Index presentation

10-2022 24 Month Buffered Index 200par.png

If there is any interest in one of the above portfolios, please reach out to our office to set up a strategy meeting. This meeting is about an hour long and we take the time initially, to understand your needs and risk tolerance. (Please click here to our Risk Assessment webpage. The results will feed to us so we are prepared for our initial meeting).

As always, you can simply call our office phone number at: (480) 878-7444, or you can send us an email at: dan@risefg.com.

We look forward to meeting with you and having the opportunity to gain your business.

Sincerely,

 

Dan Anderson

Founder/Registered Investment Advisor

Rise Financial Group
 

Contact us below for more information and to receive a full prospectus by mail or e-mail, or call us at 480-878-7444.

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