Dear Reader,

Welcome to our first newsletter of 2011. At Quintas we are of the opinion that the future is somewhat brighter and that we are finally turning a corner. The IMF have taken control of our finances and with the passing of the Finance Bill we are now taking the painful medicine they prescribed. The election which should bring political stability is imminent. The prolonged process of sorting out our banking crisis is advancing slowly and sometimes not so surely but there are signs of lending and credit flowing again. It will be a long slow "grind" and no doubt there will be more casualties on the way but as we close the door on 2010 we go into 2011 with ideas in our minds, a spring in our step and hope in our hearts.    

There is no doubt that 2010 will be remembered as a horrendous year for the Irish Economy, for our Government and for the Irish business community. We certainly had the "perfect storm" in 2010 as the country went from one crisis to another – be it banking, political, economic, and business. The year ended with a prolonged period of sub-zero temperatures leading to almost impossible trading conditions for Irish retailers, but I suppose 2010 will be most of all remembered for the arrival in November of AJ Chopera and his team from the IMF.

As you are aware Quintas Wealth Management has been designing, structuring and managing our own branded investment products since May 2009.  In that time we have launched 10 products across varying asset classes such as Oil, Sugar, Equity, Private Equity and Agriculture.  We have successfully matured a number of these products producing an average annualised return of 20%.  Our most recent success was a 22% investment return after one year for clients. 

Our investment approach has been driven by 3 simple but strong core principles –

Strong Investment Idea, Optimal structuring to protect capital, Relevant Market Timing.

There is no doubt that in recent years the global economic recession has had a huge impact on the sport of golf most particularly throughout the established markets of Europe and America.

In the 1990s and early 2000s, selling memberships to golf clubs was a relatively easy affair as people were making money and weren't overly worried about club initiation fees and annual dues.

Now, the financial climate has changed. Club incomes are on the slide and many are fighting to survive as cash-strapped players look for less expensive fun resulting in many clubs scrapping expensive membership fees and offering cut-price deals to stem the exodus. Quite simply, the party is over and clubs will have to survive on a lot less revenue than they are used to.

2011 has arrived and even though business sentiment and outlook has improved the New Year still presents many challenges for businesses and families.

Here at Quintas Wealth Management we are focusing on a number of key areas in our meetings with clients.  These include:

• Cashflow
• Pension Plan Review
• Mortgage Review

The great Liverpool manager of the 1960’s/70’s Bill Shankly once said 'Football isn't a matter of life or death, it's much more important than that'. In my experience this is maybe a slight exaggeration when it comes to sport but not when you consider that Cash is the oxygen that enables a business to survive and prosper and is the primary indicator of business health. While a business can survive for a short time without sales or profits, without cash it will perish. For this reason the inflow and outflow of cash needs careful monitoring and management.

As we are all only too aware, the outflow part of cash flow is never a problem; money will always run out of your business or pocket easily. Keeping the money coming in on a regular, sustained basis is the tricky part of cash flow management.

• BRIC Outperformer Tranche 11 eliminates market direction by constructing a relative value strategy where Emerging Markets are expected to outperform the S&P 500.  There is strong capital protection with potential early redemptions every 6 months with a 7% (or 14%p.a.) return available

To view a copy of the brochure please click here.

• Agri Protector offers clients a 97% capital guaranteed exposure to the soft commodities of Corn, Cotton and Sugar.  There are potential early redemptions every year with a 10% p.a. return available.

To view a copy of the brochure please click here.

• Quintas Energy Italian Solar Project

• Special Offer for All Protection Cases

For further information please click here.

'How Budget 2011 has impacted on your pocket'.