Investment of Capital

Risk-based, managed fund portfolios

Our approach is to provide our clients with a thoroughly ‘London’ level of service, both in terms of low charges, wide spread of market assets and excellence of management.

We bring to the African market investment opportunities for our HNW and UHNW Private Clients that are unique, normally available only from London or European Private Banks or family offices. These can be accessed direct or via six risk-graded Caravel Diamond or Diamond Plus Strategies, which are risk-based and actively managed. A Risk Assessment must be completed so we can suggest the correct Strategy for your risk appetite, your objectives and your investment timescale. These Strategies all have a multi-asset core which is based, regulated and managed in London.

The Caravel Partners Investment Committee, guided by City of London experts and others, meets quarterly to determine the asset allocation of the Strategies for the next Quarter. It is guided by macro-economic forecasts as well as asset performance, and seeks to maximize alpha while maintaining each Strategy's risk profile.

Islamic Investment

Islamic investing is grounded in Islamic finance principles, which aims to meet investors’ financial needs with integrity and in a manner that is fair, trustworthy, honest and ensures a more equitable wealth distribution. Islamic investing is beginning to be seen not only as a religiously guided investment, but also as an ethical form of investing that promotes real economic activities that are socially desirable. The net effect of this investment approach is the generation of competitive investment returns and encouraging ethical business practices.

Similar to socially responsible investing, Shariah-compliant investing mandates social values & good governance by filtering out businesses that engage in activities, which among others, deemed unethical. Another major difference between Islamic and Western investment is that conventional western investment identifies currency/money as commodity, thus it be be traded or rented and a profit made from it. In Islamic investment, money as a commodity is not recognized; therefore, money cannot be sold or rented to make profits. Charging money over money in a debt contract is Interest (riba) is forbidden. Finally, all Islamic investment assets must be signed off by an Islamic scholar – certified as non-haram. 

We offer three Islamic Strategies, Cautious, Balanced and Growth.

Regular Savings

Saving a set sum regularly and with discipline is the logical way to grow a future capital sum.

There are many reasons for saving, whether to reach a definite future target – a pension to fund your old age, a pool of money to pay for the future college education of a new child or a deposit for a future home purchase - or simply to ‘put away’ a regular sum for future use. What is key is the methodology by which you save every month. Nowadays there are low-commission offshore regular savings plans that do not tie in your money for years, or force you to save during a so-called ‘Initial Period’. These modern variants are much more saver-friendly than the old-style plans from the offshore insurance companies. The new generation includes plans linked directly to global exchanges which guarantee you up to 180% of contributions made during the savings term.

Equity investment is the proven way to grow your money over time. Equities have yielded around 9% per annum on average, net of inflation, since the 1930s. And remember, time is in general more important than the amount of money saved: by starting early, you reduce the amount you might need to save. Whether you need a full retirement plan or just have a regular amount of money that can be saved over a period of time, we at Caravel Partners will match you with the most appropriate plan, and explain it so you thoroughly understand and 'own' it.

Aurora Africa Plan

The Africa Plan has been specifically designed for the greater African Continent, as a contractual pension plan. This plan is suitable for UK expatriates and or dual residents, as well as African nationals.

Main features include:

• Minimum retirement age of 50 years.

• Maximum retirement age of 75 years.

• Plan pays out benefit gross.

• 30% Pension Commencement Lump Sum available at retirement.

• No requirement for an annuity.

• Access to global investment management services.

Protection of Your Money

Asset values can and do move up or down as the market itself moves. That is a reality that we seek to manage for you in our portfolio selections and on-going management. A further reassurance we provide is the viability of the financial institution with whom we place your money. We deal only with institutions regulated in UK-equivalent regulatory jurisdictions. Different offshore jurisdictions employ different methodologies (Trust structure or segregated accounts), but the effect is the same: in the extremely unlikely event of the holding financial institution being unable to meet its liabilities, the full value of your account is protected. 

Medical Insurance

You’ve moved abroad, so now you need to ensure you and your family protected as you were back home. Not all insurers and banks in Africa will offer you comprehensive local medical insurance packages. We can provide you and your family with first-world coverage either for Zambia alone, or globally.

Life Assurance

The foundation of all families’ financial well-being. How would your family cope after your death or a serious illness? Will they be housed, clothed and fed? Will they be able to deal with education costs & expenses?

Even $250,000 of life cover would radically change your spouse and children’s lives in the event of your early passing.

We can also provide you and your employees with:

• Group Health (minimum five members) for companies involved in the mining sector
• Group life (minimum five members) with many possible riders including Disability cover / Funeral expenses / Accidental Death Benefit
• Shareholder / Director / Key executive group pension plan

UK Social Housing

• provides access to low-risk, lower-entry level investment opportunities
• 9% pa ROI on the value of the housing unit bought
• a very secure return on investment in a hard currency
• British property ownership
• zero management or maintenance involvement

Compared to private housing investments, social housing presents unique opportunities. The government or local authorities supports the rent, with Housing Associations covering any rent gaps. This ensures stable, government-backed income for investors. Additionally, unlike traditional rental agreements directly with tenants, these agreements are with organisations offering longer leases Up to twenty-five years) which include repair and maintenance terms.

Social housing in Britain provides a range of accommodations for those in need, including low-income families, the homeless, individuals with disabilities, survivors of domestic violence, and asylum seekers. This sector benefits from the largest share of a £6.4 billion social impact investment, showing how important this area of investment is to addressing social challenges and supporting vulnerable populations in the UK.

Social housing in the UK is in very high demand due to the very high number of people on the waiting list. This means that once tenants finally secure a home, they don’t tend to move on quickly. The lease agreement with the local housing provider and the high demand for social housing within the UK also allows for long-term occupancy levels, so you won’t need to worry about your investment property sitting unoccupied.

High-Yield Fixed Interest Instruments

Caravel Partners has researched a number of high-yield notes and bonds issued offshore by private companies seeking to raise capital. We have strict criteria for the inclusion of a note or bond in our range:

• Unblemished track records – perfect record of payments of interest and capital invested
• Structural safety
• Sustainable business model
• Excellence of management
• Press exposure must be spotless

The benefits of these instruments are several:

• Interest rates from 8% to 18% per annum, depending on bond or note; investment period and sum invested.
• One, two and three year investment periods
• Monthly, quarterly, half-yearly and annual coupon payments
• Focus on safety and security as well as on growth

Nationality & Residence

Nationality & Permanent Residency programs for:

Structures

• Offshore companies
• Guernsey offshore Trusts

Offshore structures can provide you with many benefits:

Offshore Bank Accounts

We offer both corporate and personal accounts. Banks now require that new account holders be introduced to them by accredited partners.

We can make formal introductions to Standard Bank, Isle of Man & AfrAsiaBank / ABSA Bank, Mauritius.

UK Private Schools – the World’s Best Education

Through our partners, who have huge experience with African parents and children, you can access to around 400 secondary schools in Britain

• You will be advised on which school is the right one for your child, and will be guided, helped and supported every step of the way.

• They can also advise on choice of British university.