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Case Study #1
From Uncertain Returns to a Powerful Retirement Income Strategy
NRI Lady Investor | Mumbai, India | Previously Resided in London, UK
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CLIENT
NRI Lady Investor
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ORIGIN
Mumbai, India
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PREV. RESIDENCE
London, UK
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CAPITAL
AED 2 Million
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GOAL
Retirement Income
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The Challenge
Over the years, she had invested in multiple countries seeking rental income and long-term wealth creation. However, the returns were inconsistent and did not meet her expectations. After relocating to Mumbai, she started looking for a more strategic investment that could generate:
- check_circleStrong rental income
- check_circleCapital appreciation
- check_circleLong-term retirement security
"Strategic Precision."
VEDVI's Solution
After analyzing the investor's global portfolio, VEDVI identified that her capital was fragmented. We proposed consolidating her resources into a high-leverage, high-growth Dubai asset to maximize both capital gain and rental yield.
Investment Requirements
Capital AvailableAED 2 Million
Strategic GoalSecure Retirement
Strategic Options
Structure of Wealth
PURCHASE PRICE
AED 5M
INITIAL INVESTMENT
AED 2M
FINANCING
AED 3M
INTEREST RATE
5%
MONTHLY EMI
AED 17,538
Performance Review
The 24-Month Transformation
PURCHASE PRICE (YEAR 0)
AED 5 Million
CURRENT VALUATION (YEAR 2)
AED 11 Million
TOTAL CAPITAL GAIN
AED 6M
+120% GROWTH
Rental Yield Performance
trending_up
YIELD
8% NET
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ANNUAL INCOME
AED 880,000
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MONTHLY INCOME
AED 73,333
NET MONTHLY CASH FLOW
Income
AED 73,333
−
EMI
AED 17,538
=
Net Profit
AED 55,795
YIELD ON CURRENT VALUE
8%
Based on the current property valuation of AED 11 Million.
YIELD ON ORIGINAL PRICE
17.6%
Based on the initial purchase price of AED 5 Million.
RETURN ON EQUITY (ROE)
44%
Annual rental income relative to the AED 2 Million cash investment.
The Portfolio Blueprint
INITIAL CAPITAL
AED 2,000,000
PROPERTY CONTROLLED
AED 5,000,000
CURRENT ASSET VALUE
AED 11,000,000
NET MONTHLY CASH FLOW
AED 55,795
TOTAL CAPITAL GAIN
AED 6,000,000
RETIREMENT INCOME / YEAR
AED 880,000
Instead of investing AED 2 Million in a ready property, strategic use of leverage, market timing, and location selection helped transform a AED 2 Million investment into an AED 11 Million asset generating AED 73,333 per month in rental income.