GENIUS HIGH-INTEREST DEPOSIT ACCOUNT
| Interest rates | |
| $300-$2,000 | 14% Monthly |
| $2,001-$5,000 | 18% Monthly |
| $5,001-$50,000 | 25% Monthly |
Minimum deposit is $300. If your balance falls below $300, your HYDA account stops earning interest.
OUR FUNDS
Genius Funds manages two investment funds. Our funds are investing mainly in highly lucrative equities and bonds, focusing on emerging economies. We offer investment products that provide flexibility, keeping pace with the individual demands of our investors.
| Fund name | Symbol | Dividends |
| Emerging Markets Growth Fund | EMGF | 1.0% - 1.9%, Daily payments |
| World Bond Market Fund | WBMF | 6.0% - 9.0%, Weekly payments |
Click on fund symbol for detailed financial information.
As of 10th of June, 2009 we also offer the Genius High-Yield Deposit account. This new investment product offers interest yields comparable to our investment funds with the flexibility of a deposit account similar to the one you have in your bank.
EMERGING MARKETS GROWTH FUND
Genius clearing symbol: EMGF
Investment objective: Long-term investment generating maximum regular income.
| Minimum Initial investment | |
| Common Shares: | USD 10 |
| Preferred Shares: | USD 500 |
| Premium Shares: | USD 5000 |
| Income distribution | |
| Distribution period: | Daily, at midnight CET next day |
| Dividend range: | 1.0% - 1.2% for Common Shares, 1.1%-1.4% for Preferred Shares and 1.3%-1.9% for Premium Shares |
Most investments are made in countries with S&P Rating BB+ or higher. Stock investments are diversified across many industries, with a high focus on the country's leading industry (producing 20 or more % GDP in some cases). For example, the fund has chosen the KASE stock exchange of Alma-Ata, Kazakhstan (S&P BBB rating), where it had heavily invested in the energy market. Kazakhstan has one of the largest undeveloped non-OPEC oil reserves in the world, and its energy export constitutes a significant part of the country's GDP. Investment failures in this sector of Kazakhstan's economy are highly unlikely. Share price of the fund remains unchanged at $1 per share. All the income generated by the fund is distributed to shareholders daily¹. Shares cannot be sold or exchanged within first 150 days from purchase.
If additional shares of this fund are purchased within the first 150 days and their value is higher than 50% of the currently owned shares, the 150 days no-sale period will start from the day you have purchased the additional shares.
¹Dividends are paid on business days
EMERGING MARKETS GROWTH FUND
Genius clearing symbol: EMGF
Disclaimer
Information in this prospectus and its distribution shall not be viewed as an attempt to solicit investments from jurisdiction where it is Genius Investments has no legal license to do so.
Past performance can predict possible future results, but it cannot guarantee them in any way. Please review our terms and conditions before considering investing in this fund.
This fund is subject to the following risks:
- Stock market volatility
- Emerging markets exposure
Stock markets are volatile and can experience strong fluctuations in response to political, regulatory or economic developments. This is particularly true in emerging economies.
Although fund managers should be able to react quickly and efficiently to any significant changes in the economic environment that affects the fund's resources, there is always a risk that the fund's share price will decline. Any investor who invests through an investment fund should be aware of the risk of losing money.
Since investment funds are not banks, the deposits are not insured by the FDIC or any other similar institution. However, the risks associated with investment funds are much lower than the risks investors take when they buy and sell stocks on their own.
WORLD BOND MARKET FUND
Genius clearing symbol: WBMF
Investment objective: Long-term investment generating moderate regular income.
| Minimum Initial investment | |
| Common Shares: | USD 10 |
| Preferred Shares: | USD 500 |
| Premium Shares: | USD 5000 |
| Income distribution | |
| Distribution period: | Weekly, on Mondays |
| Dividend range: | 6.0% - 6.5% for Common shares, 6.5%-7.0% for Preferred Shares and 7.4%-9.0% for Premium shares |
This fund is especially attractive for investors seeking regular, continuous income on a long-term basis. The fund's assets are mainly placed in high yield bonds, providing individual investors with access to a bond market that is usually available only to institutional investors. Share price of the fund remains unchanged at $1 per share. Shares cannot be sold or exchanged within first 180 days¹ from purchase.
If additional shares of this fund are purchased within the first 180 days and their value is higher than 50% of the currently owned shares, the 180 days no-sale period will start from the day you have purchased the additional shares.
¹ Business days, excluding weekends and public holidays
WORLD BOND MARKET FUND
Genius clearing symbol: WBMF
Disclaimer
The information published in this prospectus and its distribution shall not be viewed as an attempt to solicit investments in a jurisdiction where Genius Investments has no legal license to do so.
Past performance can predict possible future results, but it cannot guarantee them in any way. Please review our terms and conditions before considering investing in this fund.
This fund is subject to the following risks:
- Bond market volatility
- Emerging markets exposure
Bonds are subject to two kinds of risks: credit risk and interest rate risk. Our managers constantly monitor major credit agencies such as Moody's and S&P, analyzing their bond credit ratings. Nevertheless, if bond credit ratings are lowered, the bond price and the interest rate can decline and the fund may not be able to generate the expected income. Our managers invest in high yield and high risk bonds from emerging market economies, to maximize the profit for the investors. However, unexpected factors in the emerging markets, like market volatility, government decisions and more, can affect the price and yield of the invested bonds to a significant extent.
