Investment Philosophy
Two fundamental strategies form the foundation of our investment philosophy: value and margin of safety. Our patience, discipline, and long-term outlook have led to our continued success amid unpredictable economic climates.
Investing in Mortgage Funds
With our historically low-risk/high-yield Mortgage Funds, we lend on properties that meet our 65% loan-to-value guideline and generate good interest rates. We are experts at valuing real estate accurately and determining the trustworthiness of borrowers. Our 65% loan-to-value criterion gives the borrower incentive to repay the loan while providing us with an exceptional margin of safety in the unusual event that we need to foreclose.
PFG’s mortgage funds continue to be a consistent and relatively low-risk investment in a diversified portfolio. Our active fund is the Yosemite Mortgage Fund II, which in recent quarters has yielded approximately 8% annualized. Our four completed funds all yielded better than 10% per annum.
Private Real Estate Funds
For our real estate acquisition and development projects, we search for value-add properties at below-market prices. We have had great success transforming our acquisitions into beautifully renovated, income-producing properties. Accredited investors may qualify for preferred-return investments in our private real estate funds.
Your Financial Future
Pontes Financial Group has been affiliated with a few trusted financial investment firms for many years, and each of these affiliates has a particular area of expertise. Once we learn about your unique financial and personal goals, we can facilitate a meeting between you and an investment affiliate who can develop a strategy to deliver the results you want, when you want them. We believe in maintaining long-term, personal relationships with clients, so we consistently monitor the progress of your investments to ensure that your personal goals and strategic preferences are being honored.
FACT #3: CONFIDENCE
Financial confidence comes from defining specific goals, creating a strategy likely to achieve those goals, and making decisions based on unbiased information. Because we rigorously monitor and report the facts of each investment—and of your portfolio collectively—you are empowered to measure your objectives against actual results.