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COSMO

Private Portfolio Fund

10%

Net Annual Yield

36 Months

Lock-In Period

Product Details

COSMO Private Mortgage Fund provides mortgage borrowing solutions to Canadian Citizens, New Immigrants, and Non-Immigrants. Through property security on first and second mortgages, the fund focuses on the purchase, refinance, bridge, and renovation. The fund is aimed to lend aggressively on higher ratio and non-standard mortgages to maximize return for investors while maintaining our professional due diligence for risk diversification. The majority of securities are in a secondary position of charge, and some are over 80% LTV, which is comparatively higher risk. With mortgage terms typically less than a year, we can capture return and retrieve principal on these short term lending. No Interest Compound Available*

High

- Risk Tolerance -

$20,000,000

- Maximum Offering-

$300,000

- Minimum Investment-

N/A

- Management Fee -

Non-Reg

- Suitable Account -

N/A

- Minimum Addition-

Monthly

- Distribution -

June 2016

- Inception Date -

Secured Assets

COSMO Private Mortgage Fund is designed to diversely invest in quality real estate property located in the greater ontario area. Historical Portofio Detail Below:

Loan To Value

Loan to Value is the ratio between mortgages and property market value, the best-managed loan to value can significantly lower risk for our investors and secure asset value against investment. COSMO Private Mortgage Fund concentrates its loan-to-value at approximately 80%, for example, if the borrower has a property appraised at $1 million, the maximum summation of all mortgages is around $800,000. It effectively decreases the mortgage default risk.

Property Distribution

Our Invested Properties are across Ontario, this risk management method of geographical diversification lowers our risk of market fluctuation drastically. Historical Data are below:

Real-Time Performance Tracker

GIC

Guaranteed Investment Certificate

Principle

Annual Dividend Rate

Term

Compound Period

Tax Rate

Taxation:

Net Value

 

*EQ Bank 4 Years Term GIC Rate Used

 

$ 100,000

3.5%

4 Years

Semi-Annually

35%

$ 5,053

$ 109,384

HRU MIC

Mortgage Investment Corp

Principle

Annual Dividend Rate

Term

Compound Period

Tax Rate

Taxation:

Net Value

 

*HRU MIC Consistent Interest Used

 

$ 100,000

8.5%

4 Years

Monthly

35%

$ 14,114

$ 126,212

bond

canada federal bond

Principle

Bond Yield

Term

Compound Period

Tax Rate

Taxation:

Net Value

 

*Canada 4 Years Bond Yield Nov.2018 Used

$ 100,000

2.0%

4 Years

Annually

35%

$ 2,885

$ 105,358

Mutual fund

Segregated fund

$ 100,000

5.5%

4 Years

Annually

35%

$ 8,358

$ 115,523

Principle

Annualized Return

Term

Compound Period

Tax Rate

Taxation:

Net Value

 

*Sunlife Granite Balanced Portfolio Used

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