Fintech PR

How Retail Investors Get the short end (and How to Fix it)

Published

2 years ago

July 4, 2023

CISION (PR Newswire)

REYKJAVÍK, Iceland, July 4, 2023 /PRNewswire/ —

MyntExchange announcement:

Individual investors are the invisible backbone of the investing economy.

If the investment world were an iceberg:

Investment bankers, hedge fund managers, and other such untrustables would be the tip of the iceberg-the part that the public sees.

Retail investors would be the vast majority of distributed wealth supporting the investment economy in the shadows, unseen.

This divide isn’t accidental. It’s a result of systemic flaws in traditional financial systems. These systems favor large, affluent investors who have more influence, access, and information than individual investors. Those “tip of the iceberg” investors can take advantage of high-quality investment opportunities that are out of reach for most people.

Why and how are the best investment opportunities reserved for the tip of the iceberg?

Let’s dig under the surface and find out.

It all starts with

Where’s Your Pension?

One of the most common ways individual investors get screwed over is by relying on retirement fund systems that have proven to be unreliable, expensive, and limited.

Pensions, for example, have become increasingly rare in the US private sector. In fact, only about 25% of civilian workers have access to one. Instead, employers have shifted to defined contribution plans, such as 401(k)s. Rather than relying on a public treasury, these plans require workers to contribute their own money and bear the investment risk.

In exchange, an employer might offer a miniscule 3-5% match.

These plans are supposed to help workers save for retirement by allowing them to defer taxes on their contributions until they withdraw them. However, many 401(k) plans have high fees and commissions that eat away at the returns.

Not to mention the investment options in most 401(k)s are limited, and don’t fit the risk profile for most sophisticated retail investors.

When you add in all the complex regulations around retirement funds, and you get the result we have today: workers who cheer the fact that their employer matches a miniscule 5% of their contributions, not realizing what they’re missing out on.

Bearing the Cost of Poor Management

Another way individual investors get screwed over is by having little or no control over their investments, then paying fees to fund managers who often do worse than the market.

In a 5 year study of 2,132 mutual funds, not a single actively managed fund outperformed an unmanaged index fund. Not. One.

This raises the question:

Why do individual investors pay high fees and commissions to fund managers who actually make less money than an unmanaged fund?

One possible answer: individual investors are unaware of the impact of fees on their long-term returns. For mutual funds, these fees come in the form of an “expense ratio” that acts as payment for managing the fund.

It’s a tiny-looking percentage that adds up to massive losses over time.

For example, if your mutual fund has an expense ratio of 1%, it means the fund deducts 1% of its assets every year to cover its costs.

So if an investor invests $10,000 in a fund that has an annual return of 10% before fees and an expense ratio of 1% (which are realistic numbers), after 20 years, the investor would have:

$49,725

However, if the same investor started with the same amount, got the same returns, and had an expense ratio of 0.1% (which is realistic for an unmanaged fund), the investor would have:

$60,949

That’s a difference of more than $11,000 due to fees alone. In other ways, management fees are a scam.

So why do individual investors keep paying these fees?

Unfortunately, because we’ve been tricked by some clever marketing tactics.

Never Trust a Suit

Never trust anyone in a suit. Suits are uncomfortable, unnatural, and completely absurd abominations of the professional world. They should be abolished.

Yet, you’ll never see more suits in any industry than you do in financial management.

That should tell you something…

Financial institutions use clever tactics-far more sophisticated than suit-wearing-to manipulate the world’s perceptions of them.

Even their fund names and appearances project security. Wealth. Stability.

Vanguard

Morningstar

Blackrock

And so on

These tactics have been used for over a century, and include projecting a facade of trustworthiness through formal attire, using jargon and technical terms to confuse or impress investors, or creating artificial scarcity or urgency to induce fear or greed.

Bernie Madoff was the king of this. He orchestrated the largest Ponzi scheme in history ($65 billion). To pull it off, he wore bespoke suits and cultivated an aura of exclusivity and secrecy around his hedge fund.

He claimed he had a proprietary trading strategy that could generate consistent returns of about 10% per year. However, he was actually fabricating statements and using money from new clients to pay off old ones.

The lesson: if management fees can be deceiving, the people who charge them are even more deceptive.

Minimum Investments

Most individual investors can’t even get access to the best investment opportunities.

Why? Because hedge funds and private equity funds often have minimum investment thresholds, many of which are $1 million or more.

In other words, individual investors who want to get higher returns by investing in startups and other hidden gems can’t even get their foot in the door.

So they’re left to put money in a 401(k), mutual fund, or some other money pit with miniscule returns and unnecessary risks.

The Status Quo No Mo’

Individual investors who want to achieve:

Higher returns

Lower fees

And more flexibility

-should consider investing in startups, not mutual funds.

Unlike the traditional financial system, which often screws over individual investors with minimum investments, management fees, and limited access, investing in startups offers many advantages.

Retail investors can invest any amount they want, pay no fees or commissions, access the highest returns, and diversify their portfolio. They can also help fund startups that are solving real problems and creating positive impact in the world, and enjoy the thrill of being part of something new.

Investing in startups is not without risks, but it can also offer great rewards for those who are willing to take the leap.

MyntExchange has started to list companies of their solution and starting possibly the best index fund solution in MyntCoin,

Listing HERE

CONTACT:

www.myntcoin.io

www.myntexchange.io

info@myntcoin.io

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Fintech PR

Vantage Wraps Up a Successful Showcase at iFX Expo Mexico LATAM 2025

Published

41 minutes ago

April 24, 2025

CISION (PR Newswire)

vantage-wraps-up-a-successful-showcase-at-ifx-expo-mexico-latam-2025

PORT VILA, Vanuatu, April 24, 2025 /PRNewswire/ — Vantage Markets is proud to conclude a highly successful appearance at iFX Expo Mexico LATAM 2025, where the brand not only engaged with industry stakeholders, but also received widespread recognition for its innovation, technology, and strong industry collaboration.

Held in the vibrant city of México, the event brought together some of the biggest names in the online trading and fintech industry. For Vantage, it was a week filled with thought leadership, strategic discussions, engaging entertainment, and meaningful connection with industry leaders.

At the core of the expo were powerful discussions around the future of trading, fintech innovation, and industry engagement. Alejandro Zelniker, Affiliates and Partners Business Strategist, took the stage as a panelist to discuss trends shaping the trading ecosystem, while Federico Pereira, Regional Business Development Lead, conducted an insightful workshop, sharing valuable perspectives with attendees.

Additionally, Alejandro and Juliana Reyes, Marketing and Partnerships Specialist, were invited to an exclusive interview with El Economista, one of Mexico’s leading financial publications. Their participation also featured in the “Oye Cracks” podcast, where they delved into the affiliate ecosystem and shared perspectives on the evolving role of women in the fintech industry.

Vantage was honored to receive two prestigious awards during the expo – “Best Multi-Asset Broker” and “Best Trading App”. These recognitions highlight Vantage’s commitment to providing a premium trading experience backed by cutting-edge technology, transparency, and product diversity.

To celebrate the successful showcase and to network with industry stakeholders, Vantage hosted an unforgettable Cocktail Party with over 100 guests in attendance. The evening was a true celebration of the community, featuring live saxophone music, mariachis, a mesmerizing alebrijes dance show, an energetic DJ set, and a vibrant mixology experience.

“We’re incredibly proud of what we’ve achieved at iFX Expo Mexico LATAM 2025,” said Alejandro Zelniker. “From winning major awards to sharing our expertise and connecting with the region’s most influential leaders. We’re excited for what’s ahead.”

Vantage’s participation at iFX Expo Mexico LATAM 2025 reflects the brand’s commitment to engaging with the wider fintech community, sharing educational resources, and supporting industry dialogue.

To stay connected with Vantage’s updates, follow our official channels or visit www.vantagemarkets.com.

About Vantage

Vantage Markets (or Vantage) is a multi-asset CFD broker offering clients access to a nimble and powerful service for trading Contracts for Difference (CFDs) products, including Forex, Commodities, Indices, Shares, ETFs, and Bonds.

With over 15 years of market experience, Vantage transcends the role of broker, providing a trusted trading ecosystem, an award-winning mobile trading app, and a user-friendly trading platform that empowers clients to seize trading opportunities. Download the Vantage App on App Store or Google Play.

trade smarter @vantage

RISK WARNING : CFDs are complex instruments and carry a high risk of losing money rapidly due to leverage. Ensure you understand the risks before trading.

Disclaimer: This article is provided for informational purposes only and does not constitute financial advice, an offer, or solicitation of any financial products or services. The content is not intended for residents of any jurisdiction where such distribution or use would be contrary to local law or regulation. Readers are advised to seek independent professional advice before making any investment or financial decisions. Any reliance you place on the information presented is strictly at your own risk.

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Fintech PR

Newmark Secures £153 Million Financing for UK Logistics Portfolio on Behalf of Brookfield and Copley Point Capital

Published

41 minutes ago

April 24, 2025

CISION (PR Newswire)

LONDON, April 24, 2025 /PRNewswire/ — Newmark Group, Inc. (Nasdaq: NMRK) (“Newmark” or “the Company”), a leading commercial real estate advisor and service provider to large institutional investors, global corporations, and other owners and occupiers, announces that the firm has arranged a £153 million loan to refinance a portfolio of four prime UK logistics assets on behalf of Brookfield, a leading global alternative asset manager with over $1 trillion of assets under management, and Copley Point Capital, a leading asset manager and principal investor. Matthew Featherstone, Head of UK & European Debt & Structured Finance, Managing Director Steve Williamson and Vice President Matthew Kang arranged the financing. Blackstone Real Estate Debt Strategies provided the funding.

Brookfield and Copley Point Capital strategically assembled the 1.6 million square foot portfolio during the dislocated capital market conditions in 2023. Located across the North West, East Midlands and London regions, the portfolio consists of four institutional-spec, highly reversionary warehouses on long-term leases to a diversified roster of entrenched tenants.

About Newmark
Newmark Group, Inc. (Nasdaq: NMRK), together with its subsidiaries (“Newmark”), is a world leader in commercial real estate, seamlessly powering every phase of the property life cycle. Newmark’s comprehensive suite of services and products is uniquely tailored to each client, from owners to occupiers, investors to founders, and startups to blue-chip companies. Combining the platform’s global reach with market intelligence in both established and emerging property markets, Newmark provides superior service to clients across the industry spectrum. For the twelve months ended December 31, 2024, Newmark generated revenues of over $2.7 billion. As of December 31, 2024, Newmark and our business partners together operated from approximately 170 offices with more than 8,000 professionals across four continents. To learn more, visit nmrk.com or follow @newmark.

Discussion of Forward-Looking Statements about Newmark
Statements in this document regarding Newmark that are not historical facts are “forward-looking statements” that involve risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements. These include statements about the Company’s business, results, financial position, liquidity, and outlook, which may constitute forward-looking statements and are subject to the risk that the actual impact may differ, possibly materially, from what is currently expected. Except as required by law, Newmark undertakes no obligation to update any forward-looking statements. For a discussion of additional risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see Newmark’s Securities and Exchange Commission filings, including, but not limited to, the risk factors and Special Note on Forward-Looking Information set forth in these filings and any updates to such risk factors and Special Note on Forward-Looking Information contained in subsequent reports on Form 10-K, Form 10-Q or Form 8-K.

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Fintech PR

Novo Holdings and EIFO invest €48 million in HealthCap IX to strengthen the Nordic life sciences ecosystem

Published

41 minutes ago

April 24, 2025

CISION (PR Newswire)

COPENHAGEN, Denmark, April 24, 2025 /PRNewswire/ — Novo Holdings and the Export and Investment Fund of Denmark (EIFO) have jointly invested €48 million in HealthCap IX, a Swedish life sciences venture fund focused on building innovative companies in areas of high unmet medical need.

Following the investment, HealthCap will establish a local presence in Copenhagen at the BioInnovation Institute (BII) to increase its focus on Nordic investment opportunities. In particular, the fund has committed to supporting early-stage companies emerging from academic and corporate research environments, with the aim of helping them progress towards further financing.

HealthCap is a longstanding and recognised venture firm with a strong presence in the Nordics. Since its founding in 1996, it has built a strong track record of supporting companies that address serious medical conditions through novel therapeutic approaches. With investments in more than 130 companies, HealthCap has played a central role in developing over 30 approved pharmaceutical products and more than 50 innovative medical technologies – benefitting millions of patients globally.

HealthCap’s focus is on precision medicine and therapies targeting areas of high unmet medical need, which aligns closely with the strategy of Novo Holdings’ Seed Investments vertical. The Seed Investments team at Novo Holdings backs early-stage biotech companies emerging from strong science, often at the point of spinout from academic institutions. HealthCap’s expertise in identifying and supporting such companies through their growth journey makes the fund a natural partner.

This marks EIFO’s first investment with HealthCap, while Novo Holdings has previously backed earlier HealthCap funds.

Mårten Steen, Managing Partner, HealthCap, said:

“We are proud to welcome two of Denmark’s most respected investors as LPs in HealthCap IX. The investments from Novo Holdings and EIFO not only enhance HealthCap’s ability to support transformative healthcare companies but also reinforce the Nordic region’s position as a global leader in life science innovation and entrepreneurship.”

Daniel Rasmussen, Principal, Seed Investments, Novo Holdings, said:

“We are pleased to continue our collaboration with HealthCap, which over many years has proven to be a strong partner in advancing the next generation of healthcare solutions. With this commitment, we aim to support high-quality scientific projects in the Nordics and ensure they have the support needed to develop into well-structured companies with clinical and commercial success.”

Rikke Michaela Greve, Investment Manager, EIFO, added:
“With its strong track record, good reputation, and well-established network in Denmark, HealthCap is a key player and a local anchor for Danish life sciences. It has the ability to attract international investment and collaboration, which is vital to securing sufficient funding for the region.”

About HealthCap
HealthCap is a leading European venture capital firm investing globally in life sciences. Since its founding in 1996, HealthCap has raised multiple funds and invested in more than 130 companies developing innovative solutions in areas of high unmet medical need. The firm focuses on precision medicine and breakthrough therapeutics, with more than 30 pharmaceutical products approved and over 50 medical technologies developed. HealthCap is headquartered in Stockholm, Sweden, and plays an active role in supporting life sciences across the Nordic region.
www.healthcap.eu

About EIFO – Denmark’s Export and Investment Fund
EIFO is Denmark’s national promotional bank and official export credit agency. The organisation works to open doors for global business, accelerate the green transition, support innovative technologies, and contribute to Denmark’s economic security. With total commitments exceeding DKK 170 billion and activities in more than 100 countries, EIFO offers financial solutions to Danish businesses and their global partners. It is also Denmark’s largest venture investor, making 78 investments in companies and 16 in funds in 2024.
www.eifo.dk

About Novo Holdings A/S
Novo Holdings is a holding and investment company responsible for managing the assets and wealth of the Novo Nordisk Foundation. The purpose of Novo Holdings is to improve people’s health and the sustainability of society and the planet by generating attractive long-term returns on the assets of the Novo Nordisk Foundation. Wholly owned by the Foundation, Novo Holdings is the controlling shareholder of Novo Nordisk A/S and Novonesis A/S (formerly Novozymes A/S) and manages an investment portfolio with a long-term return perspective. In addition to managing a broad portfolio of equities, bonds, real estate, infrastructure, and private equity assets, Novo Holdings is a world-leading life sciences investor. Through its Seed, Venture, Growth, Asia, Planetary Health, and Principal Investments teams, Novo Holdings invests in life sciences companies at all stages of development. As of year-end 2024, Novo Holdings had total assets of EUR 142 billion.
www.novoholdings.dk

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