Managing Your Finances During a Recession: Expert Advice from Willow Rivers Wealth Ltd

April 24, 2023  2008 financial crisis, diversify portfolio, estate planning, expert advice., expertise, global economy, How to invest for inflation, inflation proof investments, investment, investment planning, investment strategies, Investments, personalized financial planning services, recession, what to invest in now, Willow Rivers Wealth Ltd

Managing Your Finances During a Recession: Expert Advice from Willow Rivers Wealth Ltd

During a recession, managing your finances can be challenging, but with the right knowledge and planning, it is possible to minimise the impact on your wealth.

How to Manage Your Finances During a Recession: A recession can bring with it a variety of financial challenges, and it is important to understand how to manage your finances during tough times. At Willow Rivers Wealth Ltd, our financial advisers have the experience and knowledge to provide advice and assistance on how to navigate the difficult economic climate, helping to protect and grow your wealth.
How to Manage Your Finances 

At Willow Rivers Wealth Ltd, we have years of experience in helping our clients navigate challenging economic times, and we offer expert advice and assistance to protect and grow your wealth.

Here are some tips on managing your finances during a recession, including recent investments that may be suitable for you:

 

 

 

  1. Create a budget: A budget is crucial to manage your finances during a recession. It helps you understand your income, expenses, and cash flow, allowing you to make informed decisions about your spending and savings. Our financial advisers can provide you with tools and resources to create a realistic budget tailored to your goals and priorities.
  2. Cut unnecessary expenses: Review your budget and identify areas where you can reduce your spending, such as dining out or entertainment. Cutting unnecessary expenses frees up funds to invest or save. Our financial advisers can help you identify suitable investment options for your situation, such as bonds, stocks, or real estate.
  3. Build an emergency fund: Having an emergency fund helps you weather financial storms. At Willow Rivers Wealth Ltd, we recommend building an emergency fund of at least three to six months’ worth of living expenses. We can help you choose suitable investment vehicles for your emergency fund, such as money market funds or high-yield savings accounts.
  4. Prioritise debt reduction: During a recession, it is crucial to prioritise paying off high-interest debt, such as credit card debt. Our financial advisers can help you develop a debt reduction plan that balances debt repayment and investments. We can recommend debt consolidation options and negotiate with lenders on your behalf.
  5. Seek professional advice: During a recession, seeking professional advice can help you make informed financial decisions. Our financial advisers have expertise in investment strategies, risk management, and other financial planning services that can help you protect and grow your wealth. Some of our recent investments that may be suitable for you include socially responsible investment funds, healthcare sector funds, and technology sector funds.

At Willow Rivers Wealth Ltd, we understand that managing your finances during a recession can be overwhelming. That’s why we offer personalised financial planning services to help our clients navigate these difficult times. Our financial advisers have the experience and knowledge to provide expert advice on managing your finances during a recession, and we offer a range of investment options suitable for different risk tolerances and investment goals.

In conclusion, managing your finances during a recession requires a combination of discipline, knowledge, and professional guidance. At Willow Rivers Wealth Ltd, we offer the expertise and tools to help you manage your finances and grow your wealth. Contact us today to schedule a consultation and learn more about our investment options, including socially responsible investment funds, healthcare sector funds, and technology sector funds.

Meta Description: Willow Rivers Wealth Ltd provides expert advice on managing finances during a recession, including suitable investment options such as socially responsible investment funds, healthcare sector funds, and technology sector funds. Contact us to schedule a consultation and protect and grow your wealth during challenging economic times.

Keywords: recession, financial challenges, financial planning, budget, unnecessary expenses, emergency fund, debt reduction, professional advice, investment strategies, risk management, socially responsible investment funds, healthcare sector funds, technology sector funds, personalised financial planning services, expert advice.

How to Manage Your Finances During a Recession: A recession can bring with it a variety of financial challenges, and it is important to understand how to manage your finances during tough times. At Willow Rivers Wealth Ltd, our financial advisers have the experience and knowledge to provide advice and assistance on how to navigate the difficult economic climate, helping to protect and grow your wealth.

Finding Secure Investments in the Current Climate: How Property Development and Renewable Energy Can Help

March 23, 2023  asset, buy to let, diversify portfolio, How to profit from inflation, investment, joint venture, property development, property investment, property joint venture, tech investment, uk property development, what to invest in now, what to invest in right now

In the current economic climate, investors are looking for secure investment opportunities that can provide stable returns while mitigating risks. Property development and renewable energy are two sectors that offer potential for long-term growth, and combining them can provide an even greater opportunity for secure investments. In this blog, we will explore how property development and renewable energy can help investors find secure investments in the current climate.

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  1. Property Development

Property development can provide investors with a secure investment by offering stable returns over the long term. As the population grows, the demand for housing increases, creating opportunities for property developers. By investing in property development projects, investors can benefit from steady rental income, capital appreciation, and tax advantages.

To mitigate risk, investors can focus on well-located properties with high rental demand, ensuring a steady flow of income. Additionally, investing in property development projects with a strong Gross Development Value (GDV) can help ensure profitability and reduce risks associated with underperforming projects.

Willow Rivers Wealth offers a range of property development investment opportunities in prime locations across the UK. Our projects have strong GDVs and are designed to deliver consistent rental income and capital appreciation. Learn more about our property development opportunities here.

  1. Renewable Energy

Renewable energy is another sector that offers potential for long-term growth and secure investments. As the world transitions towards more sustainable sources of energy, the demand for renewable energy is increasing, creating opportunities for investors.

Investing in renewable energy projects can provide stable, long-term returns through the sale of electricity or energy credits. Additionally, renewable energy projects can benefit from tax credits and government incentives, reducing risks and increasing returns.

Willow Rivers Wealth also offers investment opportunities in renewable energy projects. Our portfolio includes solar, wind, and hydro energy projects, providing investors with a diverse range of renewable energy investment options. Learn more about our renewable energy opportunities here.

  1. Combining Property Development and Renewable Energy

Combining property development and renewable energy can provide even greater opportunities for secure investments. Property developers can integrate renewable energy systems into their projects, reducing energy costs, and increasing the value of the properties.

Investors can benefit from the stable returns of property development projects, while also investing in renewable energy, creating a more diverse and secure investment portfolio. Additionally, property development projects with renewable energy systems can benefit from government incentives and tax credits, reducing risks and increasing returns.

Willow Rivers Wealth’s property development projects often incorporate renewable energy systems, providing investors with a unique opportunity to invest in both sectors. Learn more about our combined property development and renewable energy investment opportunities here.

Conclusion

Investing in property development and renewable energy can provide secure investments in the current economic climate. By investing in well-located properties with high rental demand and strong GDV, investors can benefit from steady rental income and capital appreciation. Additionally, investing in renewable energy projects can provide long-term, stable returns, reducing risks and increasing returns. Combining these two sectors can create even greater opportunities for secure investments while contributing to a more sustainable future.

At Willow Rivers Wealth, we specialise in property development and renewable energy investments. Contact us to learn more about our investment opportunities and how we can help you find secure investments in the current climate.

Why JVing with an existing developer is better for UK property development

March 10, 2023  buy to let, inflation proof investments, Investments, joint venture, property development, property investment, property joint venture, uk property development, Uncategorized, what to invest in now, what to invest in this quarter

The UK property market is notoriously difficult to navigate, with high costs, complex regulations, and a shortage of affordable housing. For those looking to enter the market, there are two main options: to start a property development project from scratch or to joint venture (JV) with an existing developer. While both options have their advantages, there are several compelling reasons why JVing with an existing developer is the better choice for UK property development.

JV
JV

Entering the UK property market can be a challenging task for anyone. However, JVing with an existing developer can provide access to valuable expertise. An experienced developer will have a wealth of knowledge regarding the local market, contacts with suppliers and contractors, and a deep understanding of the complex regulatory landscape. Trying to build this expertise from scratch is time-consuming and costly, and mistakes can be costly. A JV partner can provide a valuable shortcut to success.

Another benefit of JVing with an existing developer is the sharing of risk. Property development is a high-risk business, with a significant amount of capital and time invested in each project. By JVing with an existing developer, you can share this risk, minimizing your exposure to financial losses. Sharing risk with a partner also provides an opportunity to leverage each other’s strengths, expertise, and resources to ensure project success.

JVing with an existing developer can also help to reduce costs. An experienced developer will have established relationships with contractors and suppliers, as well as access to financing at favorable rates. They may also have economies of scale that can reduce the costs of materials and labor, which can be particularly beneficial when working on larger projects.

Developing a property from scratch can be a complex process involving numerous stakeholders, including architects, contractors, lenders, and regulatory bodies. With a JV partner, many of these processes will have already been streamlined and optimized, reducing the time and effort required to get a project off the ground.

Lastly, JVing with an existing developer can also provide improved exit options. By partnering with an established developer, you may be able to sell your share of the property development project more quickly and easily, freeing up capital to invest in other projects or diversify your portfolio.

In conclusion, JVing with an existing developer is the better option for UK property development. It provides access to expertise, reduces costs, streamlines processes, shares risk, and offers improved exit options. By working with a JV partner, you can leverage their knowledge, experience, and resources to achieve success in the competitive UK property market.

What to invest in right now

September 1, 2022  hydrogen, london property, property joint venture, Uncategorized, what to invest in now, what to invest in right now, what to invest in this quarter

With the days shortening and the kids about to go back to school, we are preparing for the autumn rush as our investors go back to their desks. I hope you had a good summer and survived the travel chaos across most of Europe if you were traveling.
Here is a quick look at what to expect this autumn. We are taking expressions of interest now, so if any of the below are of interest please let us know and we will add you to the list.

Property Developments:

1. Lydd, Romney Marsh, TN29 9BA – 5 Residential Units
This is a great opportunity to effectively be the bank. A first charge lending opportunity where by you will fund the purchase of the site and the developer will fund the construction of the 5 timber frame properties. You will hold a first charge over the site as security. We have done a number of developments with this builder in Kent and they come highly recommended. Full valuation report should be available in the next 2 weeks.

Equity Requirement of £600,000 to buy the land. 
The developer will be funding £800,0000 of build costs with his own funds.
Term – 12 months.
Rate – 12% p.a 
Security – First charge 
GDV – £1.8m
To find out more https://hubs.ly/Q01lj4Gh0
2. Wandsworth SW18 Swaffield Road
Equity requirement of £265,000 to facilitate the purchase and development of land in 
Swaffield Road into 9 dwellings, consisting of 3 town houses and 6 apartments with
landscaped communal amenity space. This is combined with a senior debt package of
£4m.
The proposed development makes in excess of 35% POC (gross of finance), which will
enviably net back to around 28%, which in the current climate given how competitive the
land market is, is a very strong return.
Equity Requirement of £265,000
Term – 12 months.
Rate – 14%
Security – Second charge
To find out more https://hubs.ly/Q01lj4Gh0
3. Conversion of Richmond Park Hotel into serviced apartments.
The Richmond Park Hotel is ideally located close to the River Thames in this most sought after area of West London. One or a small consortium of investors are invited to fund the equity a high value asset with a GDV of £5.6Million. 
Project Overview 
Reduce the number of rooms from 20 to 15
Full scale refurbishment and modernisation into higher yielding serviced apartments
15 year lease to serviced apartment provider already agreed at £235,000 p.a.
Ground floor consent to change to café – min £30,000 income p.a.
Rooftop mobile mast generates £14,000 income p.a.
Total annual income £279,000
Development capitalised at 5% giving a £5.6Million GDV
Exit via refinance to add to developers Portfolio (already interest from HNW investors to purchase as an alternative with an 8% yield).
Equity Requirement of £850K
Developer will be funding £130K of this with their own funds.
Term – 12 months.
Rate – 14%
Security – Second charge.
To find out more https://hubs.ly/Q01lj4Gh0
4. New commercial development in Cambridge.
We will once again be partnering with GCR our preferred development partners in Cambridge. Since the last two projects we did with them, they have become one of, if not the largest developer in Cambridge.
We will be offering our clients another JV planning uplift opportunity in this remarkable, fast growing, tech city. We have been promised its launch any day now so get in touch if you would like to know more.
5. Aerospace industry, plane leasing opportunity

 GLOBAL JET & WETLEASING EU (G/W) have successfully done more than € 60.000.000 of ACMI (Aircraft, Crew, Maintenance and Insurance) contracts in the last 10 years. Due to increasing demand in the travel sector post Covid-19 they are now looking to lease and operate their own aircraft in 2023. 

They are currently seeing a 68% increase in bookings compared to the same period last year which is a 24% above the pre-covid booking levels. This has led to a lack of available aircrafts on the market. Several contracts and opportunities were lost over the last months even if the rates are +45% higher than 2019 levels.

Going forward they would like to be in a much better and secure position to satisfy the needs of their clients. Instead of using different ad-hoc operators to complete their flight requests, G/W is looking to lease their own aircraft and complete some of these highly profitable requests themselves. 
G/W intends to lease one aircraft in 2023, and if the demand and sales are as expected then they intend to lease another aircraft in 2024. To accomplish this G/W requires a total investment of $1.000.000 by Q1 2023. G/W will be putting in $250.000 of their own money. 
The money will be used to establish an AOC (airline operating certificate) as well as pay the 3 months security deposit on the aircraft. Furthermore, it will allow G/W to cover all start-up cost.
This is a highly profitable industry since the EU introduced its canceled flight compensation scheme. Airlines are now far more motivated to reschedule flights rather than have to pay out up to 600 Euros for missed flights. 
With an expected return of 20-30% per annum, this should appeal to sophisticated investors with experience in the airline industry. 

To find out more https://hubs.ly/Q01lj4Gh0
6. Hydrogen plants UK, Spain and Portugal. 
We are working with two of the leading developers in the Hydrogen sector to build hydrogen production facilities across Europe. With as capex of £30,000,000 plus this wont be for everybody. However if any of our larger institutional investors would like to know more more please get in touch.
To find out more https://hubs.ly/Q01lj4Gh0
So thats a quick look at some of the exciting opportunities coming up over the next few month, if you are interested in any of these projects please click on the links or get in touch via email or call on the contacts below.
Also if you have any interesting projects you think might be suitable for Willow Rivers, please get in touch as we may be able to help fund them.
Enjoy the last days of the summer and I hope to hear from you soon.

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