Questions for No Loss Investors:
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How do I invest with No Loss Investment?
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Can I borrow to invest?
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Where is the portfolio located?
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Is my investment CDIC/ FDIC insured or otherwise guaranteed?
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How do I determine what my profits would be?
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How will distributions be taxed?
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What happens if I need to withdraw my initial investment prior to the end of the project?
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What is a Self Directed IRA of Real Estate IRA?
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What are the Benefits of a Self Directed IRA or Real Estate IRA?
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How Do I Set Up a Self Directed IRA?
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Why Are There Two Different Websites for No Loss Investment and No Loss Micro Investment?
Q. How do I invest with No Loss Investment?
A. Contact us and we will send you the information you need to invest, including the Offering Memorandum, the Declaration of Trust and the Subscription Agreement. You may also invest through an Investment or Financial Advisor. Pleased be advised your advisor may charge you brokerage/investing fees for any investment that are transacted through their financial institution.
Q. Can I borrow to invest?
A. Yes! Many investors have borrowed as low as 2.25% to invest. We can refer you to a bank, mortgage broker or financial planner that can help you borrow at the lowest rate to invest. This technique, when properly executed, is a great way to save taxes and build wealth. Of course, using leverage does entail risks and you should understand these risks in determining whether using leverage is the right strategy for you.
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Q. Where is the portfolio located?
A. The investments in the portfolio are invested in one of properties currently being developed. You can see the real estate investment options for which you can choose .We will, over time continue to add to the portfolio as each new real estate property is ready for purchase and construction.
Q. Is my investment CDIC/ FDIC insured or otherwise guaranteed?
A. No Loss Investment is not a deposit taking institution. Your investment is not CDIC or FDIC insured. No Loss Investment offers qualified investors an opportunity to invest equity into purchase of property and construction of eco friendly homes. Please refer to the Offering Memorandum for full details.
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Q. How do I Determine What My Profits Would Be?
A. Please refer to the Investing Strategies for the investment model. The average rate of return on investment is between 10% - 42%. However, keep in mind that these are not guaranteed and can vary based on current market and economic conditions. Please see the Offering Memorandum for full details.
Q. How will distributions be taxed?
A. No Loss Investment profits can be very tax efficient and in some cases may be tax deferred depending on the investment vehicle employed (IRA, RRSP, RRIF, TFSA, RESP, college savings account…), giving you years of tax deferred cash flow and growth. We recommend that you should consult with your tax advisor to determine what impact, if any, these allocations may have on your tax situation for the current tax ear or in future years. In addition, please consult with your tax advisor regarding the best way to structure your investment to take advantage of a reduced capital gains rate.
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Q. What happens if I need to withdraw my initial investment prior to the end of the project?
A. If you need your initial investment back before the completion of the sale of the real estate investment, please be advised that all early withdrawals are subject to a penalty. Please see the Agreement for complete details.
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Q. What is a self-directed IRA or real estate IRA?
A. The term "self-directed" simply means that you, as an individual, have complete control over selecting and directing your own individual retirement account or 401k investments. Once established, your account can buy real estate and many other types of assets. With a self -directed individual retirement account or real estate IRA, you make all of the decisions regarding your investments. The self directed IRA custodian or administrator completes the documents required to establish your account and purchase your investment.
A real estate IRA is simply a self-directed IRA that holds real estate.
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Q. What are the benefits of a Self Directed IRA or Real Estate IRA?
A. The largest benefit of a Self Directed IRA or Real Estate IRA is that you can invest in what you know. Period.
With the great tax advantages provided by all individual retirement accounts and 401Ks, as well as the wider range of possible investments a self directed IRA or real estate IRA, you can potentially build wealth and secure your future much more effectively than through traditional retirement plans.
- If you work in or know the real estate field, you can invest in real estate.
- If you work in or know the mortgage field, you can use your IRA as a lender.
- If you know of or work for a company looking to raise capital, you can invest in a note with that company.
With a self-directed IRA or real estate IRA, you are not limited to the investment offerings of an IRA custodian or trustee. By using No Loss Investment as the administrator for your self directed IRA account, you have much greater flexibility in the number of investment choices you have. You are not limited to investing in stocks, bonds or mutual fund investments that are set up by the custodian.
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Q. How do I set up a Self Directed IRA?
A. You contact your broker and inform them that you want to transfer an existing IRA into a self-directed IRA. The broker will send you two forms. One is a basic IRA application, and the other is a set of instructions to your existing IRA custodian, directing that agency to liquidate the existing IRA and transfer the proceeds to the new IRA at the brokerage.
Once the money is there, you may invest it at will. With the direct transfer, you won't have to worry about taxes, withholding or any other Internal Revenue Service hassle.
Remember: You are not allowed to personally profit in any way from the investment until you reach retirement status, all earnings stay with the investment, which is verified by the qualified intermediary.
Q. Why are there two different website for No Loss Investment and No Loss Micro Investment?
A. Additional programming software was needed to be created to manage and calculate profit allocation to micro investors and since No Loss Investment had already been launched, it was decided a completely separate business and website would be formed for our new micro investors.
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