Global Real Estate Investment - Orbvest Specialized Investment

Frequently Asked Questions

  1.  Seychelles is an independent member of The Commonwealth
  2.  85th signatory of the Multilateral Convention on Mutual Administrative Assistance in Tax Matters
  3.  Has the highest African GDP per capita ($15,410 in 2016 – World Bank) and a Fitch BB- Rating (higher than South Africa’s)
  4.  Has over 200,000 registered companies; 20,000 per year being registered
  5.  Offers Tax Free Capital Gains 
  6.  MERJ (https://merj.exchange/) is a regulated exchange, governed by Financial Services Authority (www.fsaseychelles.sc)
  7.  MERJ is an affiliate member of the WFE (World Federation of Exchanges”)
  8.  Offers a multi-currency trading/ settlement platform reducing currency conversion costs and providing a hedge against  local currency to international investors (one of the few in throughout Africa & Asia)

Our high value properties are listed as independent public companies on the MERJ exchange, as closed funds, governed by WFE (World Federation of Exchanges) so shareholders have ultimate comfort and security.

OrbVest is not a REIT or FUND in the traditional sense. We have identified that not only are investors increasingly looking at low risk, high yielding, hassle-free and tax efficient returns in first world currencies, but they also want blue chip assets with more control and transparency. We offer the opportunity to invest into a building directly. We take the unknown’s out of the equation. We believe the investor should be able to select the asset so returns are consistent and not susceptible to share price fluctuations.

PKF Capital Markets (Seychelles) Limited, is a licensed securities broker/dealer and member of the Seychelles Stock Exchange MERJ and a registered Sponsor Advisor to the companies listed by OrbVest.

The investments are subject to certain rules and regulations and are country specific.  By means of an example, for US citizens, only accredited investors are eligible to invest. To qualify as an accredited investor, you must meet certain thresholds as defined by the Securities and Exchange Commission under rule 501 of Regulation D. Specifically, you must meet one of the following criteria:

  • Earn an annual income per individual of over $200,000 per year ($300,000 per couple) with the expectation of maintaining such level of income in the future.
  • Have a net worth of more than $1 million (individually or jointly), excluding the value of a primary residence.
  • Be a bank, an insurance company registered investment advisor, business development company, or small business investment company.
  • Be a general partner, executive officer, director or a related combination thereof for the issuer of a security being offered.
  • Be a business in which all the equity owners are accredited, investors.
  • Be an employee benefit plan, a Trust, charitable organization, partnership, or company with total assets more than $5 million.

Personal investment accounts are easy and it will be possible to complete the whole transaction online in certain circumstances. Depending on your country of origin, we also can accommodate certain corporate entities including trusts and Limited Liability Companies.

For personal investment we are required to adhere to money laundering and KYC legislation, so we will require:

  • Certified Identity/Passport
  • Proof of address (Municipal rates or tax invoice, Telephone, TV License, Motor vehicle license, full rental/lease agreement) – Not older than 3 months
  • Bank Statement – Not older than 3 months in your personal name
  • Certified Company’s registration document
  • Memo and Articles of Association
  • An official document listing any Company’s Representatives (if applicable)
  • An official document listing the Company’s Directors
  • An official document giving the power to act on behalf of Company for each Representative (if applicable)
  • Certified Identity/Passport (for each Director, Agent, Founder, Protector, and Representative (person authorized to act on behalf of Company)
  • Proof of residential physical address (for each Director, Agent, Founder, Protector, and Representative (person authorized to act on behalf of Company)
  • Contact telephone numbers (for each Director, Agent, Founder, Protector, and Representative (person authorized to act on behalf of Company)
  • Bank Statement – Not older than 3 months in Trust/Company name
  • Proof of company physical address
  • KYC for any entities who own more than 25%

All legal documents can be sent and signed electronically which allows for a more efficient and seamless transfer of documents between yourself and Orbvest while maintaining the authenticity and security of your information. Investments are finalized once proper legal documentation is accepted and funds are confirmed received.

Yes. The minimum investment is different for each investment but can be as low as $5,000.

Standard transfers can be made from the investor’s bank account. The funds are not handled by OrbVest, so your cash is held safely in escrow. The release of funds follow the Trust account rules for these security investments. Only once the minimum equity amount has been raised for the investment, are the funds paid from the project escrow account to the relevant attorney’s escrow account.

OrbVest makes money on the project based on a project fee of between 5%-7% which covers marketing and equity raise fees. This fee is not deducted from your capital investment amount. All management, due diligence, deal fees are disclosed in our listing documents.

When you’re ready to cash out your funds into your online wallet, the banking details entered is the bank account into which the funds will be transferred.

All income through our investments needs to be reported to the Internal Revenue Services. As a result, OrbVest needs to obtain your personal details.

When you invest in one of our projects, you’re effectively buying shares in a listed company. The return on the investment is directly related to the income from the underlying Asset, this being the real estate. The company is listed on MERJ, the regulated Exchange in the Seychelles which is also an associated member of the Word Exchange Federation. Each investment is part of a multi-listing program and is individually approved by the listing committee before any marketing and capital raising occurs. The raised capital is only released from the broker/dealer’s Trust account, once the minimum amount was raised and paid directly to the attorneys’ escrow account. OrbVest can provide proof from the Title Office that the property has been registered in the Entity as outlined in the Property Supplement, after closing.

OrbVest SA (Pty) Ltd is a juristic representative of VanWealth Portfolio Management, an authorised FSP with registration number 41690.

Over the last 6 years OrbVest have amassed a portfolio 27 carefully curated buildings with a value of $320 million and have raised equity of $94 million from over 30 countries. The company is on track to grow this to a value of $340 million backed by more than a $100 million in equity by December 2020. The performance speaks for itself considering that 65% of our investors re-invest. Quarterly dividends of between 5.6%- 9% per annum, are paid for the income investment projects, as well as the capital gain that is paid at the end of the investment period. This is all dependent on the performance of the underlying asset.

Returns are paid in United States Dollars.

OrbVest mantra is that it doesn’t buy buildings, it buys future income streams. The company has invested considerable resources understanding the transformative nature of medical technologies and how they will influence health care and senior living trends in the future, and have developed a unique advantage to identify stable future income streams that will be in demand ten years from now.

Under investment committee chairman Hennie Bezuidenhoudt the company has assembled a team of recognised non-executive Directors, including Dawid Wandrag (ex RMB Merchant Bank) and Alan Kynoch to ensure the highest levels of diligence are adhered to.

The unique 10-layer due diligence process has been modelled which takes into consideration both the macro and micro factors that may influence a property, enabling Orbvest to weigh up the risk and return profile of any given project.

Projects are only released by OrbVest once they have been signed off by the Investment Committee.

OrbVest plans to list another 5 projects in 2020.

This investment is selected to deliver an income to the investor during the investment period. The Asset is most often fully let with long lease periods and is already profitable. Returns are projected and calculated on the assumption that the Asset will be retained for a period of 3- 5 years. Typically, these products pay quarterly dividends to investors and a capital gain at the end of the investment period.

Yes, dividends can be re-invested into new projects if they meet the minimum investment criteria.

The exit differs for each project; however, the usual holding period is 3 – 5 years.

During the holding period, the Investment Committee continually evaluates market conditions, to consider the best exit opportunity for investors. At the end of the predetermined holding period, the real estate will be placed on the market, unless:

  • The market conditions prior to the predetermined holding period are favorable to exit.
  • OrbVest received a favorable unsolicited offer.
  • Market conditions indicate to postpone the exit.
  • If the building is sold, the above hurdle free carry (capital profit) is distributed between the parties.

OrbVest partners with several successful and well-established Partners, who manage the Asset on the ground with an iron-clad contract. This ensures that if the Property Manager is not performing the company can “step in” and replace them. The Property Partner provides a monthly financial report on each investment which is carefully reviewed by the internal Finance team. Investors also receive quarterly investor reports.

All profits will then be distributed as dividends, and your capital will be returned to you plus any free carry that may be included depending on the deal details.

Because you have invested into a listed equity on MERJ your request to sell will be actioned on the secondary market based on a willing buyer, willing seller basis – so there is no guarantee of liquidity. OrbVest also has an in-house process to assist and facilitate your request.

Investors’ money will not be released from escrow to OrbVest, the project will not proceed, and funds will be returned to the investor.

Because the investment is a listed equity on MERJ, you will receive foreign dividends which need to be declared as income. Investors must obtain their own independent financial and tax advice in this regard.

Yes, we offer two attractive incentive schemes for successful referrals:

  • Affiliate based marketing, where we reward you for each successful investment from an investor who you marketed to.
  • Partner referrers, where we partner with registered individuals and companies who are licensed to market, co-brand and sell our investments.

Contact our Affiliate Manager: melanie@orbvest.com to find out more.

The amount borrowed compared to the cost or value of the property purchased. Lenders often require that a loan-to-value ratio not exceed a specified amount, unless a borrower also purchases mortgage insurance.

Example: If you borrow $75,000 of the total $100,000 purchase price of your home, the loan-to-value ratio is 75%.

Internal rate of return (IRR) is often used to evaluate and compare the attractiveness of each investment against other investments.

The IRR is defined as, the interest rate at which the net present value of all the cash flows (both positive and negative) from an investment equal zero. If the IRR of a new project exceeds the investors required rate of return, that investment is desirable.

The hurdle rate which is also known as the minimum acceptable rate of return (MARR), is the minimum required rate of return or target rate that investors are expecting to receive on an investment. The rate is determined by assessing the cost of capital, risks involved, current opportunities in business expansion, rates of return for similar investments, and other factors that could directly affect an investment.

Before accepting and implementing a certain investment project, its internal rate of return (IRR) should be equal to or greater than the hurdle rate. However, most importantly, any potential investments must have a return rate that is higher than the hurdle rate for it to be acceptable in the long run.

The “cash on cash return,” also sometimes called the “equity dividend rate”, is a simple ratio measurement of an investor’s return in relation to the cash invested. The cash on cash ratio is determined by dividing the before-tax cash flow (net operating income less debt payments) and dividing it by the initial equity investment. For example, if the net operating income is $150,000, the debt service is $50,000, and the amount initially invested is $1 million, then:

(Net operating income less debt service) / initial equity investment = ($150,000 – 50,000) / $1,000,000 = 10% cash on cash return.

The capitalization rate, or “cap rate,” refers to a ratio used to convert an income stream into an estimate of value. The income stream utilized is the property’s net operating income, which considers expenses such as utilities, insurance, management, and repairs, but which does not include financing expenses (like debt service). At the time of acquisition, the cap rate can be figured by dividing a property’s net operating income by the property’s purchase price (its then current value).

Example: A property that has a gross income of $300,000 and operating expenses of $100,000 (for a net operating income of $200,000), and a purchase price of $2,000,000 would be calculated as:

Net Operating Income ÷? Purchase Price = $200,000 ÷? $2,000,000 = 10.0% cap rate.

Since cap rates convert an income stream to value, the above calculation can be re-figured so that a given income stream and an assumed cap rate can be used to estimate the value of a comparable property, or even to estimate the future value of a property. Investors often use cap rates to convert future projected income streams into that property’s future value (and thus its anticipated sales price at that time).

  1.  Please send an email to support@orbvest.com
  2.  Confirm your current and new email address
  3.  We will request our Platform Development team to change your email address accordingly
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top right-hand side of your screen, you will see a drop-down menu
  5.  Choose the profile you wish to edit
  6.  Change the necessary details on the profile / banking details
  7.  Please note that you will be prompted to go through the KYC process again
  1.  Go to www.orbvest.com
  2.  Use the same email address as previously used
  3.  Go through the Forgot password process
  4.  You will receive an email (please check your junk mail folder)
  5.  Click on the link in the email
  6.  Choose a new password
  7.  Confirm new password
  8.  Go back to www.orbvest.com
  9.  Login with your email address and new password
  10.  Go to “DASHBOARD”
  11.  Here you will see your investments / wallet balance / distributions
  12.  You will also be able to switch between your personal and company profile in the top right-hand corner of your screen
  1.  All international investors are required to go through the KYC (Know Your Client) process before they can make an investment on the OrbVest platform.
  2.  PKF Capital is our listing sponsor and third-party verification agents. All KYC documents are vetted by them as they need to adhere to the MERJ exchange anti money laundering and KYC requirements.
  1.  Please also be sure to check if the email was not received in your junk or spam folder
  1.  Go to www.orbvest.com
  2.  Register
  3.  Complete basic information
  4.  Agree to OrbVest Terms and Conditions
  5.  Join Now
  6.  You will receive an email verification link (please check your junk mail as well)
  7.  Confirm your email address
  8.  Log In
  9.  Go to DASHBOARD
  10.  On top right-hand corner of your screen, there is a drop-down. Choose “My Profile”
  11.  Complete information including banking details and upload Certified Passport and Proof of Residential Address
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top right-hand side of your screen, you will see a drop-down menu
  5.  Go to My Profile – Here you will see all entities linked to your profile
  6.  At the bottom of the page, you can add an additional Investment Structure
  7.  Complete information
  8.  On the DASHBOARD, select Documents
  9.  Upload Documents (Specific documents are required depending on what type of structure you are adding)
  10.  Once the profile has been completed and basic documents uploaded, the profile will be reviewed by OrbVest and triggered for PKF Capital to review
  11.  OrbVest will contact the representative of the Legal Entity if any additional information / documentation is required by PKF Capital
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top right-hand side of your screen, you will see a drop-down menu
  5.  Go to My Profile – Here you will see all entities linked to your profile
  6.  At the bottom of the page, you can add an additional Investment Structure
  7.  Complete information
  8.  On the DASHBOARD, select Documents
  9.  Upload Documents (Specific documents are required depending on what type of structure you are adding)
  10.  Once the profile has been completed and basic documents uploaded, the profile will be reviewed by OrbVest and VERIFIED
  11.  Once an investment has been done on the platform, the information will be visible to Jumpstart Securities.
  12.  OrbVest will contact the representative of the Legal Entity if any additional information / documentation is required by Jumpstart Securities
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the left-hand side of your screen, you will find colourful options
  5.  Choose “Fund my wallet”
  6.  Complete the amount you wish to transfer
  7.  Submit
  8.  Download the Bank Details
  9.  Once you have received the Proof of Payment from your Bank / Forex Broker, log into your profile
  10.  Navigate back to the “Fund my Wallet” section
  11.  Complete “Funding amount”
  12.  Upload to the Proof of Payment
  13.  Submit

*Once your funds have been received in the PKF Capital bank account, you will get a notification

  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  Your wallet balance will reflect your dividends received + any funds you have transferred via the “Fund my wallet” process
  5.  On the left-hand side of your screen, you will find colourful options
  6.  Choose “Invest in Latest Project”
  7.  Choose the project you would like to invest in
  8.  Invest
  9.  Confirm amount
  10.  Tick all Acknowledgments and Disclosures
  11.  Save and Next
  12.  Acknowledge that you have read the Offering Documents
  13.  Sign Document
  14.  Start
  15.  Sign
  16.  Sign and Finish
  17.  Confirm Payment – Wallet
  18.  Confirm
  19.  Complete

*Once your funds have been received in the PKF Capital bank account, you will get a notification

  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the left-hand side of your screen, you will find colourful options
  5.  Choose “Invest in Latest Project”
  6.  Choose the project you would like to invest in
  7.  Invest
  8.  A Pop-up will appear: “Customer Agreement” with JumpStart Securities. Please confirm your Accreditation according to your Accountant’s confirmation, accept customer agreement and Accept & Continue
  9.  Confirm amount
  10.  Tick all Acknowledgments and Disclosures
  11.  Save and Next
  12.  Acknowledge that you have read the Offering Documents
  13.  Sign Document
  14.  Start
  15.  Sign
  16.  Sign and Finish
  17.  Select Payment Method (Check or Wire)
  18.  Complete
  19.  You will receive an email confirming your investment as well as the banking details with specific reference required when making payment.
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  Your Dividends are automatically allocated to your USD wallet quarterly (MERJ investors)
  5.  On the left-hand side of your screen, you will find colourful options
  6.  Choose the project you would like to invest in (minimum investment amount applicable)
  7.  Invest
  8.  Confirm amount
  9.  Tick all Acknowledgments and Disclosures
  10.  Save and Next
  11.  Acknowledge that you have read the Offering Documents
  12.  Sign Document
  13.  Start
  14.  Sign
  15.  Sign and Finish
  16.  Confirm Payment – Wallet
  17.  Confirm
  18.  Complete

*Please note that if you change any of your details on your profile, your will have to go through the KYC process again before your request can be submitted

  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the left-hand side of your screen, you will find colourful options
  5.  Choose “Withdraw Funds”
  6.  Complete “Amount to withdraw”
  7.  Complete Withdraw form (your information will be automatically populated by the system)
  8.  Scroll down to the bottom of the page and click on “Click for signature”
  9.  Sign form
  10.  Done
  11.  Once you have submitted your withdrawal, the request will be sent to PKF Capital for processing on the first business day thereafter.
  12.  Please allow 5 to 10 working days for it to be processed
  13.  Once the funds have been transferred to your nominated bank account, OrbVest will send you the SWIFT confirmation
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Capital
  5.  Here you will see any investment you have made where the project has not been listed
  6.  Once the project has been listed, it will move to the Investments section
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Investments
  5.  Here you will see any investment you have made where the project has been listed
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Wallet
  5.  Here you will see your wallet balance, debits and credits including your distributions received
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  Your wallet balance will reflect your dividends received + any funds you have transferred via the “Fund my wallet” process
  5.  On the left-hand side of your screen, you will find colourful options
  6.  Choose “Invest in Latest Project”
  7.  Choose the project you would like to invest in
  8.  Invest
  9.  Confirm amount
  10.  Tick all Acknowledgments and Disclosures
  11.  Save and Next
  12.  Acknowledge that you have read the Offering Documents
  13.  Sign Document
  14.  Start
  15.  Sign
  16.  Sign and Finish
  17.  Confirm Payment – Wallet
  18.  Confirm
  19.  Complete
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Documents
  5.  Choose Legal Document
  6.  Here you will find a copy of your Signed Subscription Agreement
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Documents
  5.  Choose Legal Document
  6.  Here you will find a copy of your Property Supplement
  1.  Go to www.orbvest.com
  2.  Log in
  3.  Go to DASHBOARD
  4.  On the top menu, choose Investments
  5.  Select Project
  6.  Invest
  7.  Invest Summary
  8.  Select Brochure
  9.  A copy of the project brochure will be downloaded on your device
  1.  Quarter 1: January – March
  2.  Quarter 2: April – June
  3.  Quarter 3: July – September
  4.  Quarter 4: October - December
  5.  Distribution schedules are sent to the registered email address on your profile 30 days after the quarter has ended
  6.  On the distribution schedule, please search your ORB number
  1.  Property Updates aresent out quarterly together with your Distribution schedule per project
  1.  All announcements made on MERJ are sent out to the nominated group via email
  1.  Online or copy of Bank statement (more than welcome to block out all personal information)
  2.  Utility bill (the address where the energy and water consumption are being monitored)
  3.  Recent FULL lease agreement signed by both parties
  4.  Telephone or cellular account
  5.  Letter from client’s accountant / lawyer confirming the client’s physical address and for how long they have known their client (must be for longer than 3 years)
  6.  Co-habitation letter (we will also require this person’s Certified ID and proof of residential address)

The Guardian of the Minor will complete the following process on their behalf

  1.  Go to www.orbvest.com
  2.  Register with the minor’s unique email address
  3.  Go to DASHBOARD
  4.  Complete basic information
  5.  Agree to OrbVest Terms and Conditions
  6.  Join Now
  7.  You will receive an email verification link (please check your junk mail as well)
  8.  Confirm your email address
  9.  Log In
  10.  Go to DASHBOARD
  11.  On top right-hand corner of your screen, there is a drop-down. Choose “My Profile”
  12.  Complete information including banking details and upload the following documentation:
    • o Certified ID: Certified copy of minor’s unabridged birth certificate
    • o Completed and signed Minor Statement signed by the legal guardian
    • o Certified copy of Guardian’s passport or ID document/card
    • o A copy of the Guardian’s proof of residence not older than 3 months (Please see Acceptable proof of address documents – KYC)

As there is only space to upload 2 documents per individual profile, please combine documents 1 & 2, then upload it under “Proof of ID”. Combine documents 3 & 4, then upload it under “Proof of address”

Should you experience difficulties to upload these documents, you are more than welcome to forward it to support@orbvest.com and we will upload it for you.

  1.  After a project have been closed and listed, all US individuals and US Entities are issued an electronic Share Certificate
  2.  This Certificate is sent to the email address linked to the profile on the OrbVest platform
  1.  There are no physical share certificates issued for your shares listed on the MERJ exchange as they are dematerialised shares
  2.  PKF Capital (Broker Dealer) can supply you with the necessary reports related to your investments and shares issued
  3.  Please send an email to support@pkf.sc from the email address registered on the OrbVest platform
  4.  Include your ORB number
  5.  Confirm which of the following summaries you require:
    • o Account Summary:
    • o Cashflow Summary: Shows all Debits and Credits
    • o Daily Account Statement:
  6.  Include the statement period you wish to receive
  1.  Current valid passport
  2.  Current valid UK/EU/USA/Australia/New Zealand driving License
    • o Must be photo-based driving license
  3.  Current valid government issued identity book / card
    • o Must be photo-based driving license

Please note that for identity cards, the back and front is required

  1.  Notaries Public
  2.  Commissioner of Oaths
  3.  Judges
  4.  Attorneys
  5.  Police
  6.  Certified Accountants
  7.  Consulates / Embassies
  8.  Post Offices
  1.  Please send an email to support@pkf.sc from the email address registered on the OrbVest platform
  2.  Include your ORB number
  3.  Confirm which of the following summaries you require:
    • o Account Summary:
    • o Cashflow Summary: Shows all Debits and Credits
    • o Daily Account Statement:
  4.  Include the statement period you wish to receive
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