IPOs / Bonds – Mayberry Investments Limited

IPOs and Bonds

Invest in Equity or Debt Through the Capital Markets

Mayberry Investments Limited (MIL) can help you access the capital markets in two distinct ways: by investing in equity (buying shares through Initial Public Offerings IPOs) or the secondary market and by investing in debt (buying bonds). These are different types of in vestment, with different rights, returns, and risks.

When you buy shares you become a part-owner (shareholder) of the company. When you buy a bond, you lend money to the issuer and become a creditor; you do not own any part of the company. It is important to understand this distinction before you invest.

Explore IPOs and Bond Offerings

IPOs
Investing in Equity (Shares)

An Initial Public Off ering (IPO) is the first time a company offers its shares to the public. By subscribing to an IPO, you buy shares and become a shareholder in the company.

What this means for you

Ownership: you hold an equity stake in the company.
Potential for capital growth if the share price rises.
Possible dividend income, if and when the company declares dividends.
An opportunity to diversify your portfolio.

Key risks

The value of shares can fall as well as rise, and you may get back less than you invested.

Dividends are not guaranteed and may be reduced or suspended.
If the company is wound up, shareholders rank behind creditors (including bondholders) and may not recover their investment.

Bonds
Investing in Debt

A bond is a debt instrument. When you buy a bond, you lend money to the issuer for a fixed period. In return, the issuer agrees to pay you interest and to repay the principal at maturity. As a bondholder you are a creditor of the issuer; you are not a shareholder and you do not own any part of the company.

What this means for you

Regular interest income (the coupon) over the life of the bond.
Return of your principal at maturity, provided the issuer meets its obligations.
Where a bond is secured, a claim over the pledged collateral in the event of default.

Key risks

Lower Risk: Secured bonds are generally considered lower-risk than shares or unsecured bonds, because they are backed by collateral.

High Recovery Rate: In the event of a default, secured bondholders have a claim on the collateral, which can lead to a higher recovery rate than for unsecured creditors. Recovery is not guaranteed — the collat eral may be worth less than the amount owed, and you may not recover all, or any, of your investment.

Added Security: The added security of collateral may make secured bonds attractive to more risk-averse investors. However, no bond is free of risk, and you should not invest on the basis of the security alone. Read the prospectus and consider the risk factors before investing.

Why Bonds

Preserving capital and earning a predictable return
Steady streams of income from interest payments prior to maturity.
*Potential tax advantages, depending on the specific bond and your individual circumstances. Any tax treatment is not guaranteed and may change — see ‘Important information’ below.

Why IPOs

Preserving capital and earning a predictable return
Steady streams of income from interest payments prior to maturity.
Tax Exemption possibility

* Important information: Capital at risk. The value of investments, and any income from them, can go down as well as up, and you may get back less than you invested. Bonds and shares are not deposits and are not guaranteed. Past performance is not a reliable indicator of future results.

Any tax treatment referred to depends on your individual circumstances and may change. It is not guaranteed, and you should obtain independent tax advice.

Before investing in any bond or IPO , you should read the relevant prospectus / offer document in full — including the risk f actors — and consider seeking independent financial advice.”