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Buffered Index and Designed Income Offerings for May 2024

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 days prior to the above date. Funding deadline date is

May 2, 2024. Rates are only guaranteed through the processing period as the next month offering may be higher, or lower.

Offering #1: Designed Income May 8, 2024

  • Coupon Rate = 9.35% Annual Yield (coupon paid quarterly)​
  • Maturity: 36 months
  • Underwritten by Bank of America (CUSIP 09711BM78)

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

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

  • Example of Coupon on a $100,000 investment would pay approximately $2,220 per quarter based on the parameters listed in the below PDF attachment Investment Addendum. Please call for info on this "Dividend-Type" income generating portfolio. The 9.35% quarterly coupon will be paid, even if the tracked indicies are down up to 50%.  

  • Principal Barrier 40.0% (tracked equity indexes can be down up to 40% 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 = May 8, 2024
  • Call Provisions: Issuer Callable after 1 year* and reviewed quarterly after (this is a protection feature, call for more info on this feature)
  • click PDF button below for full Designed Income presentation 
  • See chart below
Designed income wnotes 5-2024 25-40.png

Offering #2: Designed Income May 8, 2024

  • Coupon Rate = 7.75% Annual Yield (coupon paid quarterly)​
  • Maturity: 36 months
  • Underwritten by Bank of America (CUSIP 09711BM60)

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

  • Coupon Barrier 50.0% (call for info on this feature)

  • Example of Coupon on a $100,000 investment would pay approximately $1,840 per quarter based on the parameters listed in the below PDF attachment Investment Addendum. Please call for info on this "Dividend-Type" income generating portfolio. The 7.75% quarterly coupon will be paid, even if the tracked indicies are down up to 50%.

  • 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 = May 8, 2024
  • Call Provisions: Issuer Callable after 1 year* and reviewed quarterly after (this is a protection feature, call for more info on this feature)
  • click PDF button below for full Designed Income presentation 
  • See chart below
Designed income wnotes 5-2024 50-50.png

Offering #3: Dual-Directional Buffered Index May 8, 2024

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by Barclays (CUSIP# 06745QK81)

    • Investment tracks the S&P 500 and DJIA​

  • UNCAPPED with 106.5% participation, meaning you will capture unlimited interest of the tracked index returns over the 24 months. In addition, it also will pay you interest at the rate of 106.5% of earned interest. You will receive the full return of the index if it is 50.00%... If the index returns 30% (for example) you would receive 30% return, as the percentage you can earn is uncapped. In addition, the account pays interest at the rate of 106.5%. This means if the index actually earned 30%, you would be credited 31.95% interest, if the index earned 50%, you would be credited 53.25%. (see mechanics of portfolio in the chart below - multiply the return percentage X 106.5 for final number)

  • 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 17.0%, you would add the buffer of 15.0% and only be down 2.0%. 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 = May 8, 2024

  • This portfolio has no call provisions

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

Dual Directional uncapped 5-2024 106.5.png

Offering #4: Dual-Directional Buffered Index May 8, 2024

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by BMO (CUSIP# 06376ACK4)

    • Investment tracks the S&P 500​

  • CAPPED at 23.10%, meaning you will capture unlimited interest of the tracked index up to 23.10% over the 24 months. You will receive the full return of the index if it is 23.10% or less%... If the index returns 26% (for example) you would receive a 23.10% return, as the percentage you can earn is capped at 23.10% because they protect you on the downside. 

  • Offers a "Dual-Directional" buffer of 20.0%

    • 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 17.0%, you would add the buffer of 15.0% and only be down 2.0%. However, the feature gives actually gives a positive return if the return is between 0% and negative -20.0%. So, if it was down 20.0%, you would actually receive the inverse of that, or positive (+)20.0%, which is a 40% swing! Or, if it was down -10.0%, you would be up 10.0% (a 20% swing). Any negative loss between 0% and 20% 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 = May 8, 2024

  • This portfolio has no call provisions

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

Directional uncapped 5-2024 23.10cap.png

Offering #5: 100% Buffered-Index Offering May 8, 2024

  • Term: 18 months

  • This portfolio does not participate in dividends

  • Underwritten by Goldman Sachs (CUSIP# 40057YZE6)

    • Tracks the S&P 500 and the DJIA

  • This portfolio is intended to offer additional "buffers" up to 100.00% of market loss at the end of the 18 month term. Example, your portfolio is down 30% at the end of 18 months, you would have no losses due to market risk. If it was down 40%, you would also have no loss due to market risk. It provides a level of protection that a normal portfolio can't do.

  • Cap: 16.60% - this means that over the 18 months, you cannot earn interest above 16.60%. If the return at the end of 18 months is 16.60% or less, you would get the full return, if it returned 19.50%, you would receive 16.60%. Goldman Sachs caps higher potential growth over 16.60% because in order to provide the client with a 100% Market Loss Protection, this is necessary.

  • Execution Date = May 8, 2024

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

100pct Buffered-Index example 24mos w-cap 5-2024.png

Offering #6: 50% Buffered-Index with 203% Participation Crediting May 8, 2024

  • Term: 60 months

  • This portfolio does not participate in dividends

  • Underwritten by Morgan Stanley (CUSIP# 61776LQS9)

    • Tracks the S&P 500 Futures Excess Return Index

  • This portfolio is intended to offer additional "buffers" up to 50.00% of market loss at the end of the 60 month term. Example, your portfolio is down 45% at the end of 60 months, you would have no losses due to market risk. If it was down 30%, you would also have no loss due to market risk. It provides a level of protection that a normal portfolio can't do.

  • UNCAPPED and provides 203% particpation - this means that over the 60 months, you can earn unlimited interest/returns. If the return at the end of 60 months is 20.0%, you would receive 40.6% interest, if it returned 28.0%, you would receive 56.84%. Lastly, if it received 35.0%, you would earn 71.05% interest (which wouldn't be unheard of to average 7% over a 5 year period). 

  • Execution Date = May 8, 2024

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

Buffered-Index example 60mos 5-2024.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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