The news articles posted on this website are not adopted or endorsed by GWG Holdings, Inc. and do not represent the opinions or views of GWG. GWG belives that readers may find these articles useful or interesting.
by Stan Luxenberg
Since the financial crisis, nervous investors have been pouring into bond funds. But the flight to fixed income could produce dismal results. The problem is that most bond funds drop when interest rates rise, and many economists expect that rates will climb in coming years. Continue reading…Posted: April 10, 2012
U.S. News & World Report
The Federal Reserve Board has not formally relaxed its intention to keep interest rates low through the end of 2014. And there is little new to say about the way non-existent interest rates on savings accounts, certificates of deposit, and U.S. Treasury securities have hurt all savers, particularly risk-averse investors. Continue reading…Posted: March 30, 2012
by Matt Krantz
With the Fed holding interest rates down so low, are there any ways for investors to get income? A: You can almost hear the groan from income-craving investors when the Fed says it’s going to hold short-term interest rates down. Investors who count on getting a stream of cash from their investments aren’t fans of low interest rates. Savers are the ones hurt most by chronically low short-term interest rates, as they get next to nothing from their cash. Even so-called high-yield savings accounts are paying less than 1% a year in interest, which isn’t even enough to keep up with inflation. Continue reading…Posted: March 23, 2012
by Andrew Tignanelli
How often over the past years have you heard the Fed has decided to keep interest rates low — until 2010 or 2013, 2014 and possibly now until 2900? It’s normally hailed as a good thing — but is it? Low interest rates, while a blessing to some, can be a curse to others, meaning the Federal Reserve is favoring some while punishing others. Continue reading…Posted: March 21, 2012
Globe and Mail
by Dianne Maley
Feeling the squeeze from low interest rates on your fixed-income portfolio? The good news is that you have alternatives. Alternative investing is a large, deep pool with something for everyone, from the most conservative to those who just want a little spice. These investments can take the form of limited partnerships, mutual funds, closed-end funds or even mortgage pools. Continue reading…Posted: March 7, 2012
by Michael Aneiro
The Fed’s newly extended expectation of pinning down short-term interest rates keeps encouraging investors to invest in longer-dated, riskier bonds. With little reason to expect short-term rates to rise over the next several years, Wells Fargo Advisors says even the most disciplined fixed-income investors have to be questioning the rationale to stay invested in short-term, high-quality fixed-income investments. Continue reading…Posted: February 9, 2012
by Jonathan Spicer
The U.S. Federal Reserve may need to raise interest rates before the middle of 2013, despite the central bank’s repeated forecasts that it expected to keep rates ultra low until at least then, a top official said on Wednesday. Continue reading…Posted: January 20, 2012
by Richard Newman
Savers may not like it, but government policies that keep interest rates low in hopes of stimulating the economy will continue through 2012. Continue reading…Posted: January 18, 2012
Bonds have historically been an investment of choice for those looking to diversify their portfolios. Today’s market is no different, but the challenge comes in determining what types of bonds to invest in and the length of time to invest, says Jim Bernard, CFA, senior vice president and director of fixed income portfolio management at Ancora Advisors LLC. Continue reading…Posted: January 6, 2012
by Michael Sivy
America’s finances are deteriorating. The Federal debt has increased by more than 50% over the past three years. New liabilities in 2011 totaled $1.3 trillion. And there is no prospect of a quick fix that would bring this snowballing debt under control. As a result, rating agencies have warned that the U.S. credit rating is at risk of a downgrade. Continue reading…Posted: January 5, 2012
Selling commissions range from 0.50% to 5.00% of the principal amount of debentures sold, depending on the debentures' maturity dates. GWG pays Arque Capital additional underwriting compensation ranging from 2.00% to 3.00% of the principal amount of debentures sold depending on the debentures' maturity dates. Such additional underwriting compensation consists of a dealer manager fee, a wholesaling fee (payable only to wholesaling dealers), and an accountable and non-accountable expense allowance. Arque Capital will share its commissions and non-accountable expense allowance with other dealers who may participate in the offering. The total amount of the selling commissions and additional underwriting compensation paid to Arque Capital and any other FINRA member in the course of offering and selling the debentures will not exceed 8.00% of the aggregate amount of the debentures sold.
An investment in Renewable Secured Debentures may be considered speculative and subject to a high degree of risk, including the risk of losing your entire investment. The information provided herein does not constitute an offer to buy securities or the solicitation of an offer to sell securities. Renewable Secured Debentures are not available in the following states: AL, AK, AR, MD, NC, OH, OK, PA, TN, TX. Elevated suitability restrictions apply in the following states: AZ, IA, ID, KS, KY, MA, ME, NE, NM, ND, NJ, OR, SC, WA. An offer to sell securities can only be made by a Prospectus, pursuant to a registration statement, and any amendments thereto, then effective and on file with the Securities and Exchange Commission ("SEC"). Investors must read the entire Prospectus for investment conditions, risk factors, minimum requirements, fees and expenses and other pertinent information with respect to the Renewable Secured Debentures in order to obtain the information essential to making an informed investment decision. Risks may include, but are not limited to, GWG’s limited operating history, lack of liquidity or a secondary market, continued low interest rates, subordination to senior debt, actuarial experience, among other factors. The secondary market for life insurance policies is new and relatively unproven. Changes to the actuarial assumptions or development of the secondary market for life insurance policies may have an adverse effect on Renewable Secured Debentures, resulting in a potential loss of principal. Similarly, the deterioration of credit quality of life insurance carriers may cause the inability for a carrier to make a payment on the underlying life insurance policies which would have an adverse impact on Renewable Secured Debentures. Certain restrictions apply to this investment including, but not limited to, geographic availability, investor suitability, redemptions prior to maturity and assignment prohibitions. No dealer, broker, salesperson, or other person has been authorized by GWG to give any information or to make any representation other than as contained in the Prospectus, and, if given or made, such other information or representations must not be relied upon as having been authorized by GWG. No statement found herein is incorporated by reference into the Prospectus, and no statement herein constitutes any part of the Prospectus. GWG is under no obligation to update any information included herein. The information and expressions of opinions are subject to change without notice and speak only as of the respective dates in which they are made.
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Cautionary Statement Regarding Forward-Looking Statements: Certain matters discussed on this website may be forward-looking statements. We have based these forward-looking statements on our current expectations, assumptions and projections about future events using information available to us at the time and are not intended to be guarantees of future events or performance. These forward-looking statements are subject to risks, uncertainties and assumptions about our operations and the investments we make, including, among other things, factors discussed in our filings with the Securities and Exchange Commission and the following: changes in the secondary market for life insurance; our limited operating history; the valuation of assets reflected on our financial statements; the reliability of assumptions underlying our actuarial models; our reliance on debt financing; risks relating to the validity and enforceability of the life insurance policies we purchase; our reliance on information provided and obtained by third parties; federal and state regulatory matters; additional expenses, not reflected in our operating history, related to being a public reporting company; competition in the secondary life insurance market; the relative illiquidity of life insurance policies; life insurance company credit exposure; economic outlook; performance of our investments in life insurance policies; financing requirements; litigation risks; and restrictive covenants contained in borrowing agreements. We disclaim any intention or obligation to publicly update or revise any forward-looking statements to reflect any change in our expectations or in events, conditions or circumstances on which those expectations may be based, or that may affect the likelihood that actual results will differ from those contained in the forward-looking statements. This cautionary statement is applicable to all forward-looking statements contained in this website.
Securities are being offered on a best efforts basis on behalf of GWG Holdings, Inc., by Arque Capital, Ltd., member FINRA/SIPC, dealer manager for the offering of Renewable Secured Debentures. GWG Holdings, Inc., and Arque Capital, Ltd., are not affiliated entities.
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