Richard Smith

Bdm South East (Inc London) @Hearthstone Investments

London, GB

At Hearthstone Investments I promote the TM HomeInvestor It is the Only RESIDENTIAL PROPERTY Fund operating as an OIEC that is daily traded and available across the majority of Adviser platforms and Tax Wrappers.The fund is an ideal diversifier within portfolios due to its defensive characteristics.It has returned around 6% p.a. since inception in 2012 with extremely LOW volatility. It has NO leverage and the 200 plus properties the fund own have been purchased with Cash.The fund will NOT shot the lights with regard to returns but is perfect as \"Ballast\" with \"Stable\" returns.In the last 5 years the fund has only had 5 negative months with it\'s highest loss of JUST 0.61% in July 2016 following the Brexit announcement, significantly less than other funds deemed to be defensive.

Valentines High School Ilford Essex

History and Geography A Level