The Lloydshare Deferred Annuity

Online, March 16, 2011 (Newswire.com) - is a private investment company working alongside resorts and vacation clubs to make the club's package more beneficial to its membership. Through one of its primary products, Lloydshare's deferred annuity, Lloydshare is able to offer the vacation club's member a lump sum equal to the membership purchase price at the vacation club term's end.

Lloydshare was formed almost 10 years ago, when the concept of linking an asset-investment to the stock exchange was unheard of in North America. This investment practice has been commonplace in many parts of Europe, especially Italy, for generations. If properly structured, this offers a win-win situation for the property owner and the investment holder.

What is a deferred annuity?
The deferred annuity is an investment strategy where an individual gives a company money knowing that the company will invest this money, growing revenue from its performance on the stock exchange. The investor gives the monies on the agreement that the company will share its profits on a defined timeline (monthly, quarterly, annually, term-end, etc.).

The Lloydshare Deferred Annuity is based on a member of a vacation club releasing ownership of their vacation club membership to Lloydshare who invests it. The member is still eligible to use their vacation club benefits, and at the end of the term collects a lump sum equal to their original investment.

Other types of deferred annuities involve insurance companies. In the US, only insurance companies may issue deferred annuities. The individual investors give a lump sum to their insurance company, who uses the money to grow the company's wealth.
The investor then waits for the payouts to accumulate, and is given the option to sit and wait, or take it in period payouts.

Is Lloydshare safe?
With the global financial markets in a spin right now, people need to be sure about where their investments are, and how secure the investment holders are to market fluctuation.

Banking institutions, once perceived to be a safe place to hold your money (or retirement plan) were folding left and right less than five years ago. Anyone should be looking at investment holders with skepticism and closer examination. It just makes sense.

Using off-shore banking laws to the Lloydshare investor's benefit, the company is registered in the Island of Guernsey. A Crown Dependency but not part of the EU, Guernsey has its own tax and banking laws which are favored by many household name banking institutions, and Lloydshare. These features include:

Low tax rates on income
90% of investments are insured
Privacy laws further protect the investor
With 90% of the investments secured by the Island of Guernsey, Lloydshare is structured to protect its customer base as much as possible.

Resorts Insulate Themselves with Lloydshare
It's no secret that the global travel and vacation industry is in a funk right now. People are uncertain about their financial futures, and with good reason. Financial uncertainty's likely bedfellow is typically to trim the unnecessary expenses, and expect the worst. Vacations and travel are usually the first to go of the major expenses (home, car, vacations, school, retirement planning).

Resorts who offer Lloydshare to it's memberships are protecting themselves from the downturn. What was once considered to be a high-priced gift to yourself and spouse can now be sold as an investment. They can now say "Buy our vacation membership along with Lloydshare, visit us yearly and at the end Lloydshare will give you your money back."

These resorts are offering a double-win situation. The members enjoy the product they purchased year after year, with the resort (and local community) generating further revenue from the money the tourists spend while on vacation. Then at the end of the term, the couple is given their original investment back (minus fees) by Lloydshare.