Mortgage Payment Vehicles

INVESTMENT PLANS

Mortgage payments are a considerable cost to a household, and homeowners are searching for ways to save money. Running an investment plan alongside an interest only mortgage can considerably reduce costs in the long term, and Premier Cru Fine Wine Investments believes that Fine Wine acts as an ideal investment vehicle for mortgage repayment.
Portfolio

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• Capital Investment Portfolio
• Income Portfolio
• Retirement Plans
• Monthly Saving Plan
• School Fees Plan
• Wedding Plan
• Mortgage Repayment Portfolio

Capital Investment Plans: start from £10,000
There is no upper limit, subject only to availability. Additional investments can be as low as £1000
and can be invested at anytime during the year

Monthly Investment Plans: £5,000 initial investment and £175 per month,
and can be enhanced at anytime.

Income Portfolio: minimum investments of £10,000

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Additional investments may be made into any plan at any time. The minimum additional investment is £500 there is no maximum. Investments in excess of £250,000 will need to be spread evenly throughout the market, to keep prices stable, and will take up to 2 weeks to fully invest.

Minimum recommended term for all plans is 3 years (unless specifically arranged with head office). There is no maximum investment period. A cellar of Fine Wine can be managed and ‘turned’ for hundreds of years without further capital expenditure. All wines can be placed in trust.

Investment Charges for Wine Investing

Portfolio arrangement, documentation, transport, receiving, handling and documenting all wines into your private account at Octavian Warehouse is charged at 2.55% for the first year.

From the first anniversary of the cellar, the annual management fee is just 1.75% of the cellar value. A discounted annual warehousing charge of just £9.50 per annum which includes insurance and storage has been secured for
our clientele.

• No Dealing Charges on purchase
• No Dealing Charges on sale – unless sold at auction
• No Early Encashment Charges
• No Investment Top Up Charges
• No Partial Encashments Charges

 

 

Investments Expertise

WHICH WINES

All investments demand knowledge and expertise. We at Premier Cru pride ourselves on our knowledge of taxation, market conditions and forces, and the intricate rules of supply and demand. When we structure an investment portfolio, our panel of wine experts will recommend Fine Wines that should show the best returns, coupled with the appropriate level of risk over your chosen period of investment.

We are able to structure tailored portfolios of Fine Wines at the most competitive purchase price.

Only the Top 30-60 of the registered 4000 Châteaux in the Bordeaux region reach the standards we demand, for quality, underlying stability, limited availability, historical and forecasted investment growth.

To Read About Selling Your Wines follow this link.

Spring/Summer 2011 Newsletter

At Premier Cru we are  delighted to be able to report on this years’ vintage having had the pleasure to taste the finest most exclusive wines on the planet. Paula Golding, Managing Director, Lara Jacobson, Director of Broking and I visited some of the most beautiful estates in the world, steeped in history, oozing with passion and mystique. This years’ vintage is one of superb quality in a classic Bordeaux style Quantity is small this year with most chateaux down 20% – 40% The wines are as good as 2009, but very different. 2010 is an investable vintage, high prices and scarce allocations are expected. Our long list of Chateaux appointments included all five first growths, Lafite Rothschild, Mouton Rothschild, Latour, Margaux and Haut Brion as well as a dozen others including Cos D’Estournel, Palmer, Lynch Bages, and Pichon Lalande to name but a few. Other wines that were not seen at their chateau were tasted at the big UGC tastings. The wines are well structured and powerful yet fresh and refined. They are going to take an average of 10 years cellaring before they will be approachable and then be drinking for many decades before they fade. It is well documented however that many people who are new to the wine market are drinking wines very young reducing mature wines in circulation. How does it compare to the 2009’s? This question has been the subject of many conversations during En Primeur week and the answer was put beautifully by Thibault Pontallier of Chateau Margaux “They are both excellent, but different. It is a bit like trying to comparing the 1899 to the 1900 vintage, a duel which continues today” Thibault is not the only one to mention the historic 1899, 1900 vintages as the nearest historical comparison. When tasting new vintages we often discuss previous ones to try to find a benchmark to determine the style of the wine. Before the tastings there were comparisons drawn between the 1989 and 1990 vintages but the 2009, 2010 is of an even higher quality than these. Similarly the 2009’s were more often likened to the 1961 and 2000 which gives you an idea of how unique each vintage is and how hard it is to create so many near perfect but unique wines in such a short period of time. It is not unheard of, it is just very rare and we should reflect on how lucky we are to be active buyers during such abundant times. The investment team had no hesitation in recommending the 2010 vintage to feature as part of a balanced portfolio. Although we are expecting higher prices this risk is counter balanced by the low production. For the short term investor, 3- 5 years, the vintage represents a high risk outlook however this risk decreases significantly over time. Our recommendation would be 5 – 10 year hold. Risk levels have been set at medium to high and will be determined by the value, weighting, and term of your individual holdings. As time goes on the amount of wine which meets the high standard required to trade globally with a strong reputation becomes seriously diminished as they get widely distributed, taken into private cellars out of Bond, travel long distances and of course the best reason, be consumed. During the En Primeur Week itself in Bordeaux we see (and participate in) the consumption of thousands of bottles of Fine Wine both aged and young – another relative ter percentage of wine is held back by the Chateaux, as far as we know only one of the classified growths releases as much as 98% of their stock. Some Chateaux are known to keep back up to 30% of their wines. Much of this is for personal use, when they entertain they too want to demonstrate their finest work and leave enough for their great grandchildren to enjoy We would recommend that most investors carry some 2010’s in their cellars, for those of you who are already clients we are able ‘top up’ your cellar and add this vintage to your portfolio.

Protect Investments

Wine Investment Protection You physically own the wines, not shares or units of investment.There have been some high profile court cases in the past where wine stockists who offer a storage facility have gone into liquidation and clients wines (not stored in individual accounts) were deemed the assets of the company and sold by the receivers. We overcome this risk by giving each client an individual account within our Client Trust Account with Octavian Warehouse in Corsham, Wiltshire. The wine belongs to you at all times, and can only be removed from bond with yours and the company’s signature or that of a beneficiary in the event of death. Octavian has recently spent in excess of £1.5m to install special equipment to monitor the atmospheric temperature and humidity. The conditions must be perfect so the wines can mature properly and realise its maximum potential (see Christie’s Ullage Chart) thus protecting your valuable investment against deterioration. The wines are fully insured for their full replacement value, both in storage and in transit.The overall benefits of our system are: Insured at full replacement value Wine maintained in optimum conditions Recorded personal ownership Wines cannot be removed from Bond without owners written consent No VAT No duty NB. If you decide to store your wines personally, please be aware that the conditions in which your bottles are kept will reflect on its value. Like any consumable rare product it must be stored in the correct conditions and carry full provenance.

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Fine Wines have consistently outperformed all other forms of recognised investments. http://ow.ly/3YRxQ

Register to receive the Premier Cru wine list. http://ow.ly/3YRwO

Premiercru are able to structure tailored portfolios of Fine Wines at the most competitive purchase price. http://ow.ly/3YRwf

Premier Cru – Testimonial

Don’t just take our word for it. Listen to what our clients have to say about the services we offer.

I knew very little about Fine Wine as an investment when I first approached Premier Cru on a recommendation.
A number of years further on and, despite their best efforts to educate me, I still don’t. However the results of my investments speak for themselves. I have found Premier Cru to be both knowledgeable and user friendly.
Their active management of my portfolio – they never ‘let’ me purchase anything that would be inappropriate –
has resulted in hassle free growth. I would recommend them to my best friend!

Steve Penny – Kent

Dear Paula & Stacey

I feel like the cat that’s got the cream, and then some more. I was recommended to your company by my soon to be ‘other half.’ He said Premier Cru. And there’s been no looking back.

I was reading the FT June 20, 2009 Special Report on Wine Investments and was pleased as can be to see not only were you quoted but also you had bought me top En Primeur wines(as I had expected from your expertise in the industry). I give praise where it’s due and your company is excellent. If I go on anymore this will sound like a paid advert. I can only say I look forward to a long relationship with Premier Cru.

Karen, Essex.

To read other testimonials

Premier Cru – Investment Expertise

How do you sell your wine?

Through Premier Cru

Since 1992 we have built a network of leading brokers & stockists from all over the world, who purchase wines on behalf of our clients. You have the choice of two prices.

01. A spot price will be given if you need to sell your wines at short notice and you would probably receive
       payment within 48hrs.

02. The best price can be achieved by broking your wines throughout the wine world via our network of stockists
       and private buyers. This type of sale will usually take 12-16 weeks.

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By Auction

If you wish to sell through an auction house, we will prepare the necessary paperwork and see to the technicalities.
The auctioneers commission is usually around 10% of the final selling price, and the proceeds should reach you approximately six weeks after the sale. The Auction House that we use is the world renowned Christies.

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Private Sale

There are many private cellar owners who regularly advertise for fine Wines to purchase. We are able to furnish you
with the necessary information. We are also approached directly for specific wines and we are able to introduce you
to private buyers.

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For the wine drinker

Wines can be withdrawn for consumption at any time. You will however need to pay VAT and Duty, again we will help prepare the paperwork. It is important to remember that VAT is only charged on the original purchase price of the wine, regardless of its value.

Premier Cru – Investment Expertise

Which Wines?

All investments demand knowledge and expertise. We at Premier Cru pride ourselves on our knowledge of taxation, market conditions and forces, and the intricate rules of supply and demand. When we structure an investment portfolio, our panel of wine experts will recommend Fine Wines that should show the best returns, coupled with the appropriate level of risk over your chosen period of investment.

We are able to structure tailored portfolios of Fine Wines at the most competitive purchase price.

Only the Top 30-60 of the registered 4000 Châteaux in the Bordeaux region reach the standards we demand, for quality, underlying stability, limited availability, historical and forecasted investment growth.

 send us your email and we’ll send you our full list of wine for sale