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Buffered Index and Designed Income Offerings for July 2024

Minimum investment in the below offerings is $25,000

NOTE: Due to the volume of incoming investments, accounts must be processed and funded at least 7 days prior to the Execution date of July 3rd, 2024.  That puts the funding deadline date as June 27th, 2024, funds must  be in place at that time. If we miss the funding deadline, know that rates are only guaranteed through the processing period as the next month offering may be higher, or lower.

Offering #1: Designed Income July 3rd, 2024

  • Coupon Rate = 8.80% Annual Yield (coupon paid quarterly)​
  • Maturity: 36 months
  • Underwritten by Citigroup (CUSIP 17331UWN3)

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

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

  • Example of Coupon on a $100,000 investment would pay approximately $2,090 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 8.80% quarterly coupon will be paid, even if the tracked indicies are down up to 25%.  

  • Principal Barrier 40.0% (tracked equity indexes, listed above, can literally 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 1 year (this is a protection feature for the issuer and client, call for more info on this feature)
  • click PDF button below for full Designed Income presentation 
  • Also, See chart below for visual
Designed income wnotes 7-2024 25-40.png

Offering #2: Dual-Directional Buffered Index July 3rd, 2024

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by Barclays (CUSIP# 06745U2X7)

    • Investment tracks the S&P 500 and DJIA Indices​

  • UNCAPPED with 108.0% 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 108.0% of earned interest. You will receive the full return of the index, even if it is 50.00%, plus an additional 8% of gains... Example: If the index returns 30% over the 24 months (for example) you would receive the 30% return, (remember, the percentage you can earn is uncapped, no ceiling). In addition, the account pays interest at the rate of 108.0%. This means if the index actually earned 30%, you would be credited 32.40% interest, if the index earned 50%, you would be credited 54.0%. (see mechanics of portfolio in the chart below - multiply the return percentage X 108% for final return)

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

    • What is a "Buffer"? A buffer offers a level of "market protection" to your assets. In this portfolio, it is "Dual-Directional". Example, if at the end of 24 months, the portfolio has dropped 17.0%, you would add the buffer (market protection) of 15.0% and only be down 2.0%. However, this "Dual" feature still provides you with a return when the market loss is between 0% and negative -15.0%. Example: if the market was down 15.0% at the end of 24 months, you would actually receive the inverse of that loss, or a positive (+)15.0% return, which is a 30% swing! Or, if the market was down -10.0%, you would be up positive (+) 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". Any market losses beyond 15%, you would then lessen your losses by 15%.  ​

    • With a volatile market, people are looking for buffers, or some type of market protection. These are great options to get some level of protection on your investment, which can help for a portion of your funds.

  • Execution Date = July 3rd, 2024

  • This portfolio has no call provisions

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

Dual Directional uncapped 7-2024108 Par.png

Offering #3: Dual-Directional Buffered Index July 3rd, 2024

  • Term: 24 months

  • This portfolio does not participate in dividends

  • Underwritten by BMO (CUSIP# 06376AR88)

    • Investment tracks a single index, the S&P 500 index​

  • CAPPED at 22.55%, meaning you will capture unlimited interest of the tracked index up to 22.55% over the 24 months. You will receive the full return of the index if it is 22.55% or less%... If the index returns 25% (for example) you would receive a 22.55% return, as the percentage you can earn is capped at 22.55% because BMO has provided protection to your investment on the downside. 

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

    • What is a "Buffer"? A buffer offers a level of "market protection" to your assets. In this portfolio, it is "Dual-Directional". Example, if at the end of 24 months, the portfolio has dropped 23.0%, you would add the buffer (market protection) of 20.0% and only be down 3.0%. However, this "Dual" feature still provides you with a return when the market loss is between 0% and negative -20.0%. Example: if the market was down 20.0% at the end of 24 months, you would actually receive the inverse of that loss, or a positive (+)20.0% return, which is a 40% swing! Or, if the market was down -10.0%, you would be up positive (+) 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". Any market losses beyond 20%, you would then lessen your losses by 20%.  ​

    • With a volatile market, people are looking for buffers, or some type of market protection. These are great options to get some level of protection on your investment, which can help for a portion of your funds.

  • Execution Date = July 3rd, 2024

  • This portfolio has no call provisions, it will run 24 months.

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

Dual Directional  7-2024 22.55 cap 100 Par.png

Offering #4: 100% Buffered-Index Offering July 3rd, 2024

  • Term: 18 months

  • This portfolio does not participate in dividends

  • Underwritten by Goldman Sachs (CUSIP# 40058ARK2)

    • Tracks the S&P 500 and the DJIA indices

  • This portfolio is intended to offer additional "buffers" (market protection) up to 100.00% of market losses 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 and principal investment would be returned. 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. People ask, how can Goldman Sachs do this?  You are essentially transferring the market risk to Goldman Sachs for 18 months, and their Investment Managers are investing the funds. Institutional firms don't just bet on the market going up, there are thousands of ways to make big gains in the market even when the market is flat, or negative.

  • Cap: 18.0% - this means that over the 18 months, you cannot earn interest above 18.0%. If the return at the end of 18 months is 18.0% or less, you would get the full return, if it returned 19.50%, you would receive 18.0%. Goldman Sachs caps higher potential growth over 18.0% because in order to provide the client with a 100% Market Loss Protection, this is necessary.

  • Execution Date = July 3rd, 2024

  • This portfolio has no call provisions, it will run 24 months.

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

100pct Buffered-Index example 24mos w-cap 18pct  7-2024.png

If you have 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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