DevDosh Ltd Product Comparison
DevDosh Ltd are the safest 10% an investor can earn on their money
DevDosh Ltd delivers 4 primary benefits over the incumbent field of fixed income, debt investment and real estate debt investment product types.
Yield
Devdosh Ltd delivers a fixed rate yield of 10% per annum. This is a generous premium by comparison to rest of the market.
Term
Devdosh Ltd provide investment terms of 18-24 months. This short/medium term time horizon negates many systematic risks. Visit our Generic Risk page for further details. Working to these time horizons also increases fixed term investment strategy options with additional short term laddering opportunities.
Security
The underlying asset to the DevDosh Ltd investment is a 1st charge real estate development mortgage with 30% equity and multiple underwriting safeguards and procedures in place to secure investors capital. Visit our Investor and Developer pages for further details. 1st charge real estate development mortgages are senior to other forms of fixed income loan security.
Fees
DevDosh Ltd do not charge investors entry, exit or management fees. With the exception of paying a small fee for accelerated draw down of yield (which is paid directly to the regulated commercial escrow service) all costs are covered by the fees charged to the borrower. This is in contrast to the rest of the market who charge multiple fees.
DevDosh Ltd Product Type Comparison
Gilts
Description
Bonds issued by the UK Government
Typical Yield: 1%-2% per annum
Comparison: Lower than DevDosh Ltd
Term: Maturity dates typically 3yr / 5 yr / 10yr +
Comparison: Longer than DevDosh Ltd
Security: Government Guarantee
Comparison: Senior to DevDosh Ltd
Liquidity: Ready secondary market
Comparison: More liquid than DevDosh Ltd
Fees: Acquisition/disposal fees and possibly management/holding fees broker dependent
Comparison: More expensive than DevDosh Ltd
Comparative Statement
Gilts are considered to be highly secure which is reflected in their low coupon value (yield).
Their maturity dates (terms) are medium to long term which leaves them open to systematic risk.
Their liquidity is high with a ready secondary market. The market increases and decreases the value of the bond in relation to several influencing factors.
DevDosh Ltd provides a product with significantly greater yield over a shorter time horizon which reduces systematic risk and increases fixed term investment strategy options with additional short term laddering opportunities, with slightly subordinate security. Gilts are significantly more liquid meaning that an investor could sell out their position should they need access to their capital.
Corporate Bond
Description
Bonds issued by private companies with credit rating greater than BBB
Typical Yield: 2%-3% per annum
Comparison: Lower than DevDosh Ltd
Term: Maturity dates typically 3yr / 5 yr / 10yr +
Comparison: Longer than DevDosh Ltd
Security: Typically payment ability based off credit rating
Comparison: Subordinate to DevDosh Ltd
Liquidity: Secondary market
Comparison: More liquid than DevDosh Ltd
Fees: Acquisition/disposal fees and possibly management/holding fees broker dependent
Comparison: More expensive than DevDosh Ltd
Comparative Statement
Corporate bonds are considered to be secure which is reflected in their low coupon value (yield).
Their maturity dates (terms) are medium to long term which leaves them open to systematic risk.
Their liquidity is good with an active secondary market. The market increases and decreases the value of the bond in relation to several influencing factors.
DevDosh Ltd provides a product with significantly greater yield over a shorter time horizon which reduces systematic risk and increases fixed term investment strategy options with additional short term laddering opportunities. The DevDosh Ltd product has stronger security meaning that investor capital is safer in the event of borrower default. Corporate bonds are more liquid meaning that an investor could sell out their position should they need access to their capital, however they are not as liquid as Gilts.
High Risk Bond
Description
Bonds issued by private companies with credit rating below than BBB. High risk/junk bonds carry a substantial risk of default
Typical Yield: 3%-5% per annum
Comparison: Lower than DevDosh Ltd
Term: Maturity dates typically less than 3yr / 3yr / 5 yr / 10yr +
Comparison: Longer than DevDosh Ltd
Security: Typically payment ability based off credit rating
Comparison: Subordinate to DevDosh Ltd
Liquidity: Reduced secondary market
Comparison: More liquid than DevDosh Ltd
Fees: Acquisition/disposal fees and possibly management/holding fees broker dependent
Comparison: More expensive than DevDosh Ltd
Comparative Statement
High risk bonds carry a substantial risk of default which is reflected in their higher coupon value (yield) by comparison to other types of bonds.
Their maturity dates (terms) are short to long term which indicates that the issuers are not sufficiently credible to raise short terms funds in the money markets and exposes the longer maturity bonds to systematic risk.
Liquidity is available in the high risk bond market but holders of unpopular issuers may need to apply heavy discounts to expedite sale. The market increases and decreases the value of the bond in relation to several influencing factors.
DevDosh Ltd provides a product with significantly greater yield over a shorter time horizon which reduces systematic risk and increases fixed term investment strategy options with additional short term laddering opportunities. The DevDosh Ltd product has stronger security meaning that investor capital is safer in the event of borrower default. High risk bonds are more liquid meaning that an investor could sell their position should they need access to their capital, however they are not as liquid as corporate bonds.
Mini Bond
Description
Bonds issued by small private companies with low credit rating. Mini bonds carry a substantial risk of default
Typical Yield: 4%-15% per annum
Comparison: Lower/higher than DevDosh Ltd
Term: Maturity dates typically less than 3yr
Comparison: Longer than DevDosh Ltd
Security: Typically payment ability based off credit rating and good will pitch. Often false claims of asset backing are made.
Comparison: Subordinate to DevDosh Ltd
Liquidity: Illiquid
Comparison: Comparable to DevDosh Ltd
Fees: Acquisition/disposal fees and possibly management/holding fees broker dependent
Comparison: More expensive than DevDosh Ltd
Comparative Statement
Mini bonds carry a substantial risk of default which is reflected in their higher coupon value (yield) by comparison to other types of bonds .
Their maturity dates (terms) are short term which indicates that the issuers are not sufficiently credible to raise short terms funds in the money markets or access other traditional loan products which would be more competitive for them at current interest rates.
Mini bonds are iliquid in nature with no secondary market.
DevDosh Ltd provides a product with similar time horizon, yields and liquidity profiles. The DevDosh Ltd product is substantially more secure as capital is ringfenced and secured within a 1st charge real estate development mortgage. This means that should the borrower default the investors capital is protected.
Commercial Paper
Description
Promisary note used for short term borrowing requirements
Typical Yield: Less than 1% per annum
Comparison: Lower than DevDosh Ltd
Term: Maturity 270 days or less
Comparison: Shorter than DevDosh Ltd
Security: Typically payment ability based off credit rating
Comparison: Subordinate to DevDosh Ltd
Liquidity: Ready secondary market
Comparison: More liquid than DevDosh Ltd
Fees: Acquisition/disposal fees and possibly management/holding fees broker dependent
Comparison: More expensive than DevDosh Ltd
Comparative Statement
Commercial paper is highly secure and highly liquid which is reflected in its low coupon value (yield).
Their maturity dates (terms) can be as long as 270 days but normally 90 days or less making commercial paper a cash equivalent.
DevDosh Ltd provide a product with significantly greater yield over a longer time horizon which is asset backed.
Funds
Description
Various types of funds that manage pooled investor capital
Typical Yield: Less than 1%-3.5% per annum
Comparison: Lower than DevDosh Ltd
Term: Expected 5 year commitment with Short Term Trading Fee Penalties as deterence to withdraw investment
Comparison: Longer than DevDosh Ltd
Security: Fund invests in various debt instruments with different levels of security
Comparison: Subordinate to DevDosh Ltd
Liquidity: Fairly iliquid
Comparison: Comparable to DevDosh Ltd
Fees: Multiple fee potential including management fee, front-end load, redemption fee etc
Comparison: More expensive than DevDosh Ltd
Comparative Statement
Funds mange pools of client capital in debt instrument portfolios. Values of funds can go down as well as up.
DevDosh Ltd provide a product with significantly greater yield over a shorter time horizon which is asset backed and cheaper.
INVESTORS / DEVELOPERS
If you are a risk averse investor looking for the best fixed income return for your capital
or
If you are a property developer looking for achievable property development finance
OFFICE CONTACT
EMEA Office
OFFLINE TILL POST COVID-19
APAC Office
+62 (0) 877 5836 5211
EMAIL
support@devdosh.com
The DevDosh Ltd fixed income investment product is not suitable for everyone. Please visit our suitability page to gain a deeper understanding of your compatibility with the product. As with all investments capital is at risk and there is a chance that you will get back less than you invested.
The information on this website does not constitute or represent a financial promotion; nor it is financial advice or a personal recommendation. Do not make investment decisions based purely on the information contained on this website and seek professional advice if you are unsure of your best investment choices. We have made every effort to ensure all information on this site is accurate. However we cannot guarantee that to be the case.