You see london…

SET UP YOUR PASSIVE INCOME NOW!

How it works - where to invest money​

We provide investors with an opportunity to earn over 30% annualised NET income with a guaranteed exit. By using a crowd-funded structure, ordinary people can invest relatively small amounts in a lucrative hotel business model and achieve the levels of return usually available only to large property investors. Start investing in Nemo Hotel now!

4 SIMPLE STEPS

1. WE FIND LOCATIOIN

 

We find a location that meets our criteria for our next branch.

2. WE RAISE FUNDS

 

We raise funds from private and institutional investors.

3. WE REFURBISH

 

We rebuild and refurbish a property into a brand new Nemo Hotel.

4. WE BRING RETURNS

 

We operate the hotel on zero profit base, proving our shareholders with great returns.

It’s easy to invest in Nemo Hotel. Investors crowd together, each of them provides a small amount of the funding required to start a new Nemo Hotel branch, usually to renovate and refurbish parts of existing buildings. We find and refurbish suitable premises, install furniture, put together an operational team, and run a new hotel further as a part of our Nemo Hotel chain. As an investor, you do not need to do anything. You just sit back and relax. Start investing in Nemo Hotel now!

Built in partnership:
Every hotel is set up as a separate partnership (UK LLP), where 25% of it belongs to Nemo Hotel and the rest to numerous crowd investors (members) who invested in such a particular branch.

CAPITAL STRUCTURE

We envisage Nemo’s growth through building its partnership network, where Nemo establishes each partnership with different investment partners. Every partnership (hotel) is set up as a separate entity - UK LLP, where 25% of it belongs to Nemo Hotel and the rest to numerous crowd investors who invested in such a particular branch. Nemo operates all hotels on a zero profit base, aligning all the partners’ interests, and making them result oriented only. There is no corporation tax for UK LLPs.

NEMO HOTELS IN LONDON

Nemo Hotel capital structure

We want our chain to grow fast, so we have to make investments in Nemo attractive for many. That is why unlike other property investment companies we will be distributing the entire profit to our shareholders. Nemo's expected NET annualised return is over 30%.

 
 
 

WHERE TO INVEST MONEY IN THE UK?

Where to invest UK when you look for passive income ideas?

Investing is one of the problematic ideas that a person can make in life; it can be an alternative source of income as well as a source of income after retirement. The primary aim of putting the cash into businesses is to make profits off course, but this only makes sense if things go right. It is essential to consider factors such as risk tolerance and time prospective before starting any investments. There are plenty of great investment opportunities in the UK for private investors. They can enjoy one of the most stable economies in the world. The British government has always formulated policies to protect individual investors. We will discuss a number of investment opportunities available for individual investors in the UK, ranging from bank deposits, stock market, cryptocurrencies trade, government bonds, asset management, and collective investments in properties. Some of them will be good passive income ideas, but some would require a seriatim level of day-to-day involvement to keep things under control. Talking about the UK’s economy, you have to take into account its geographical and regional dissimilarity of this country. For most of the foreign investors (investors from China, Russia, Middle East) the question: “where to invest UK?” has the almost guaranteed answer: “ In London’s property”, but this might be too primitive since there are good alternatives available on the market.

Bank deposits are still a safe option

Bank deposits, also known as Individual savings accounts, are still considered to be the most popular form of investments for British people. Although interest in individual saving accounts is very low and even doesn’t beat the real inflation, most of the households choose them as the first point of sticking their money (Carpenter, 2018). Most banks don’t charge fees on savings accounts, and they are relatively easy to open.

A customer who wants to invest in bank deposit chooses whether he/she wants to receive interest on maturity or every month. Off course, bank deposit is considered to be the least risky option since the government guarantees it up to the amount of £70K per each private account.

UK government also encourages this form of investment by waiving taxes on profits on interest.

As bank deposits lose money due to inflation in real terms, it is not a good passive income idea.

Shall I invest in Cryptocurrency trade?

Which cryptocurrency shall I invest into, since I hardly understand this market at all? Crypto trade has been a real boom around the world. Its business in the UK rocketed rapidly reaching billons in day trade volumes. There are over 200 different cryptocurrencies actively used a hand on all British trading platforms. Bitcoin has been the most popular amongst them. In 2017 its price raised from £600 per to over £8,000 for a single coin, although its rate has been very volatile (London Stock Exchange, 2018). Their volatility requires one to study market trends first before investing in this type of trade. This asset class, however, is not viewed as an official currency and is subject to huge market speculations and manipulations. Recently the cryptocurrency also came under the rigorous scrutiny of the UK financial authorities (particular Financial Conduct Authority, and National Anti Money Laundering Agency).

If I want to buy government bonds?

If I want to invest my money safe, I would probably choose to buy some government bonds. In this case, the private investors lend money to the government for some agreed years, in return, earn interest. The government pays back attention at regular intervals, also known as the coupon. Once the bond reaches a maturity date, the government pays back all original investment to the investors. In the UK, government bonds are also referred to as gilts. The name given to given to gilt depends on the maturity of the bond; for example, those government bonds that mature in three years are named as a three-year gilt (Belsham et al., 2017). Guilts is a low-risk form of investment since, at no given time, the government may become bankrupt, hence not paying the interest or fully repay the loan. In other words, Investor term government bonds a risk-free investment, since the government produces money to meet its debt. However, this type of investment is less volatile; market analysis is required to make an informed decision before investing.

Shall I invest in collective investment schemes?

A collective investment scheme, commonly known as crowd investment - is a mechanism where different investors pool together resources to invest, and where the returns are also shared equally. Collective investment schemes are governed by the Financial Services and Markets Act 2000 (FSMA). FSMA act defines the property, the effects, and how the shareholder receives profits and income resulting from the property. Shareholder decides on the kind of investment they want to venture, they may decide to but rental estates, hotels, plots, accommodation units, storage units, among others (Investment Association, 2018). Collective investments are regulated in the UK by the Financial Conduct Authority (FCA) since there is a risk if investors' money is not managed correctly. This is less safe way to invest money, although this sector has been multiplying, as ordinary people feel their involvement and participation in real startups and established businesses.

I want to buy stocks to get passive income

The stock market is another form of share investment in the United Kingdom. It is appreciated as a way of investment in the past that could make an individual amass resource quickly without much straining. However, currently, this myth has taken a different shift. The market itself dictates the share prices; hence, several investors can acquire and auction the shares of publicly listed companies. Shares prices go up a large group of investors buys shares at once, resulting in high demand. For any investment made to the company grants a share. In turn, it guarantees a shareholder the dividends that are usually given out at the end of the year (Carpenter, 2018. There are two types of shares that investors engage in daily. It includes preference and ordinary shares. An ordinary share enables an investor to be a company's part-owner. It entitles the shareholder voting rights, which means they are informed of any decision made in the company. An ordinary share is a risk because there is no guarantee for the shares invested. Another one is preference share, which does not carry any voting rights, but it less risk than ordinary. The dividends are given before ordinary-share investors.

Asset management is where private investors fund asset managers. UK is the leading asset management outside the US. In 2017asset management, the industry was approximated to be about £1.7 trillion in the UK. Asset management has been dramatically recognised in the UK (Investment Association, 2018; this is due to the outstanding outcome of the assets manager from overseas. Assets manager receives funds from investors and put the money into working capital in companies, through equity and fixed income allocation investors are rewarded.

Investment in buy-to-let properties

A buy-to-let property is another form of investment for any ordinary person in the UK. It is noted that many citizens are quitting their formal employments and invest fully as landlords. Mortgage investors should engage with mortgage brokers before embarking on the business (Girma, 2011). The low-interest rates in the United Kingdom have sparked interest in ordinary individuals to make their savings in buy to let properties. Therefore the high demand for rentals tempts many ordinary people in the United Kingdom.

In conclusion, despite the diverse ways of investing, its principle remains unchanged. There is no assurance of getting back the money spent; thus, it remains a gamble game. It does not mean individuals shouldn't invest instead should make proper judgments and extensive consultations. For anyone to invest, they should start with saving with well-set goals. It is also essential to do a market analysis before venturing into an investment. However, some investments are more volatile; more risk investment is also attributed to overwhelming returns or loses. Taking the risk on your savings and bonds provides room for shares stocks to multiply over a while, earning better returns than investing in a bank that make little interest. Investing depends on balancing performance and risk to ensure it obtains the profit.



Should I buy rental property in the UK?

How to invest money in collective investment schemes UK?

There has been a number of different investment strategies in the UK Real Estate available to private individuals. According to Hoffman and Aalbers (2019), despite Brexit, the political and economic climate within the United Kingdom is still conducive for property investments. There are various methods for people to put their money into real estate, including letting private tenants, renting out for commercial use, and buying a single unit out of a Collective Investment Scheme (CIS). Crowdfunded platforms are growing like mushrooms in Britain today. There are offers for every pocket, taste, and risk appetite. Some unexpended investors are even having difficulties in finding the right option from this broad spectrum. To invest money in some collective investment scheme became possible even without leaving your bedroom – online.

To invest in Private Rented Sector

The vast majority of private individuals having sufficient disposable income chose to invest in the Private Rented Sector (PRS) in London or the rest of the country. According to Sissons & Houston (2019), 90% of the total 1.9 million landlords in the UK are private individuals. Overall, real estate housing makes up 74% of all real estate. Over the last fifteen years, demand for private housing has risen from 12% in 2007 to 21% in 2017, from 2.69 million to 4.7 million households. Before a tenant moves into a rented flat or house, he or she signs a tenancy agreement with the landlord, with relevant terms and conditions set by the latter. The tenant pays a deposit also with rent; the deposit is protected by UK law and repaid upon vacation of premises after contract termination or expiration. There is a minimum liability for the landlord besides ensuring a safe, hygienic space. Having a sufficient amount to pay down the deposit allows anybody to buy a rental property and instantly to become a landlord.

Growing private rented sector changes the property investment landscape

The housing rate is fixed and other bills such as electricity, water and garbage privately charged on tenants account. The number of rented units is directly proportional to revenue and profit. In 2012, private renting surpassed social renting (Hoffman and Aalbers, 2019). According to the Council of Mortgage Lenders (2015; Hoffman and Aalbers, 2019), the average age for owning a home without financial support from family is 31 years. The age bracket of 35 to 49-year olds is the largest group of renters, edging 25 to 34 year-olds. The trend is that as for 2019 and into the foreseeable future, there will be increased families living in rented private households. For those who decided to make property investment their passive second income a number of financial products available. All the UK high street banks and building societies are fighting to get potential landlords’ attention.

Shall I invest in commercial property in London?

Commercial Property falls under specific use, hit represents about 14% of all real estate markets by gross surface area (Chambers, Spaenjers, & Steiner, 2019). The market value of commercial real estate accounts for 21% of all estate because it has very high rental yields. The majority of investors are companies rather than individuals. The average returns are about 4.9% for all the sectors, though high-rise malls are the most profitable at 9% in London, Manchester, and other large cities. However, the past decades before 2016 guaranteed an average of between 6 to 12%.

Investors in commercial property have a high trust rate with the banking sector in obtaining secured loans from financial lending institutions. Commercial property investment needs an efficient investment portfolio with huge risks, but the returns on investment (even a small percentage) are significant, especially after five years or more. Over the last few years, profitability in the sector has stagnated with rising operating costs and uncertainty over Brexit. Individuals investing in commercial real estate have a better chance of doing so as a registered company. If not, they should buy shares in Real Estate Investment Trusts (REITs).

How to earn money investing in Collective Investment Schemes?

Unlike commercial property or private rentals, the main form of income of a Collective Investment Scheme (CIS) is not rental income but dividends. A CIS investment is like having shares in a company. A single real estate unit can be bought by way of REITs or mutual funds (Kirk, Samuels, & Finch, 2019). The difference between REITs and mutual funds is that while the former is limited by law to real estate, the latter can invest in other sectors as well. REITs, if profitable, guarantee investors 90% of taxable income (Kirk et al., 2019).

Compared to other real estate investments, it provides the least level of development and operating risk but carries an added misselling risk, as valuation and projected returns are usually over-priced. Investors must conduct a personal analysis of the trusts and mutual funds they can buy. The advantage of CIS schemes is that a single unit carries the least risk in case of underperformance. The right collective scheme unit has the potential to multiply in value, thereby gaining capital growth over the years. Additionally, in times of inflation, dividend yield goes up, so they are a safe bet in unpredictable economic times.



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