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Our Fixed Return Programs are the same as fixed annuities offered by most of the insurance companies but have higher fixed returns. Fixed annuities are characterized by a minimum interest rate guaranteed by the issuing insurance company or a mutual fund.

Secure and safe no-risk investments became popular with conservative investors and for those who want to target for exact returns on their investments. Our fixed annuities have an additional variable benefit to the guaranteed amount.

Besides guaranteed minimum return you are to receive an additional premium if the investments provide higher than average annual return. It allows us to offer competitive premiums and pay out additional benefits if investment projects are subject to more than average income.

With a fixed annuity, we are focusing on safety of principal capital and stable investment returns. Our lowest interest rate is 11% per annum.

Depending on the investor’s needs we are able to offer our investors both Single payment and Series of payments investments depending on the investor’s preferences.

Benefits are subject to be paid at maturity or can start to be paying at the beginning of the following quarter or month in case of investment in Immediate Annuities.

At least 60- 65% of assets under Fixed Return Programs are invested in various types of U.S. and foreign investment grade bonds or their unrated. The fund’s portfolio may include government bonds, corporate debt securities, mortgage-related securities and asset-backed securities. At least 25-30% of assets under Fixed Return Programs are invested in construction projects that normally have minimum 30-55% rate of return.

Thus we combine long term construction projects with government backed securities which allows us to offer competitive fixed returns on investments.

To select securities for the fund, portfolio manager conducts extensive research into the credit history and current financial strength of investment grade bond issuers. The portfolio manager also examines such factors as maturity of the securities, the longterm outlook for the industry in which an issuer operates, the economy and the bond market.

Although the portfolio manager may invest in individual bonds with different remaining maturities, the fund’s average effective maturity will be no more than 10 years.

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