“RINO” Digital Asset
“RINO”, solely developed by RINO PLUS INC, is an asset class of digital assets. In the heart of “RINO” is the integration of electronic assets and digital commodities, digital points technology, data processing technology and financial economics. “RINO” crosses space and time and facilitates the reallocation of economic resources.
“RINO” Digital Assets, is a dynamic savings plan empowered with an array of brand-new product features. It’s tailored for investors like you who are focused on the long-term investment horizon, striving to provide sumptuous wealth appreciation potential to grow your wealth for a happy prosperous life.
“A wise allocation of assets helps you to realise your dreams”
Understanding of “RINO”
As a RINO’s holder, you are able to enjoy a daily life payment platform, easy money managing services and capital wealth growth over time.
1. Gaining from market trading activities
2. Growth of purchasing power by time
3. Applying exchange of product in our daily expenditure
4. Function of asset transfer as a heritage for legacy planning
As a RINO’s holder, you are required to
1. Agreed and compline with “RINO” user terms & conditions;
2. Pay agreed premium and related charges within time selected;
3. Shall not engage in any acts that is detrimental to the interests of RINO PLUS and holders of “RINO”
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Reasons behind the rise of Digital Assets
Since the global financial crisis, investors’ demand for income has intensified, pushing down yields across asset classes.
1. Hunt for income in a low-interest world
A decade of low interest rates and quantitative easing by central banks have significantly reduced investors’ income from traditional assets of cash and government bonds.
With the inflation rate at 1.9 per cent average, cash parked in these accounts is losing value.
Growth in most developed markets is faltering and inflation remains subdued, meaning interest rates are expected to remain lower for longer. As the income on low risk assets has fallen, investors have had to cast their net wider by moving further and further up the risk spectrum.
There are other compelling reasons that are driving investors to take more risk when investing for income, such as slowing global growth and an ageing economic cycle, with the potential for declines in equities and corporate bond prices. Investors will have to continue to balance higher risks in their search for higher returns.
2. The demographics challenge
For the first time in history, there are now more people over the age of 65 than there are under the age of five. Globally, the number of people over the age of 60 is expected to more than double to over 2 billion by 2050.
In the US alone, an estimated 10,000 baby boomers are expected to reach retirement age every day over the next decade. These baby boomers are also the wealthiest generation, with an estimated $20 trillion in assets.
In what has been called the great wealth transfer, an estimated $59 trillion is expected to be transferred to baby boomers and their heirs from 2007-2061 in the US alone. To fund their retirement, this powerful cohort is expected to drive a sustained demand for investments paying regular income.
Demographic changes are also driving other shifts. Increased life expectancy is changing the way we live and work. Longer working lives in an increasingly knowledge-based global economy, and less manual or factory-based work, will keep a higher proportion of older people working and saving well into what was traditionally considered to be retirement age.
Working and saving for longer mean that this cohort is expected to continue to buy bonds for their predictive income streams, with global demographic demand for bonds expected to peak in 2025.
3. Regulatory change driving demand
In the aftermath of the global financial crisis, regulators around the world pushed out a raft of tighter measures aimed at reducing risk, both idiosyncratic and systemic risk. For insurers, a combination of Solvency II requirements - an EU-wide regulatory framework introduced in 2016 - and lower interest rates have pushed them to re-assess their portfolios, driving up demand for income-related products.
The mark-to-market approach for both assets and liabilities required by Solvency II is creating more volatility in insurers’ assets and liabilities, forcing them into liability-matching solutions and strategies that offer secure income streams.
Changes to UK rules on pensions are also expected to accelerate demand for these solutions. In 2015, UK savers were granted full access to their pension funds, allowing them to withdraw cash either to spend or reinvest. This meant that people were no longer forced to use their pensions to buy an annuity - they could decide to take control of their pensions funds and opt for income-generating funds to provide a steady source of income in retirement.
4. Pension scheme deficits
A combination of rising volatility, low returns and unpredictable market conditions have worsened funding levels in pension schemes, making it harder for them to meet their future cash flow obligations, and achieve sustainable returns on their investments.
Schemes that are closed to new members, and not receiving any inflows through member contributions, have also struggled to manage their cash flow to meet their near-term commitments.
For these schemes, investing in income products can allow them to make their investments work harder, so that they can deliver on their dual objective of generating income to meet cash requirements, as well as growing capital over the long term.
Conclusion
In a world where the investment responsibility has shifted to the individual, with the move from state pension to private pension provision, and from defined benefit to defined contribution pensions, investors will have to take on more risk to earn a higher income, especially in a lower-for-longer interest rate environment.
This means looking beyond traditional asset classes for income and investing across a range of different asset classes, with the aim of earning a steady income for the long-term, while also looking to minimise risk in more volatile periods.
Why “RINO”
We believe in making the complex to simpler - whether you work with us in person, on phone, or online. From choosing to digital asset, our goal is making wealth to be more straightforward and help with your unique needs.
“Living Better”
Why This Strategy?
Whether you are looking for:
• Simpler and less risky asset management platform;
• An asset management tools can help to eliminate risk and preserving the purchasing power of your money;
• Higher potential growth than traditional financial instrument whether you are bullish / bearish view on the economic market.
“RINO” Digital Asset may be your choice.
Features & Benefits
• Meet your multi-asset allocation needs or future retirement needs
• Offer chance to earn a higher return than a conventional deposit
• Possess capital growth opportunities, while enjoying the security of risk elimination