Over the past couple of weeks, I’ve been telling you about some of the things I’m investing in personally. What I have today is certainly the most speculative thing I’ve told you about so far, but also potentially the most lucrative. In fact, it has the potential to be literally life-changing.

Now I know you’re not naive – you know you don’t get anything for nothing. And so, this one comes with a healthy dose of risk.  But this is the kind of thing that could multiply your money a hundred or even a thousand-fold…maybe even more. It’s happened before and it could happen again.

Here’s what it’s all about…

A new Crypto currency – but with a twist!

At this stage in crypto currency  development, it’s much like the early 90’s, at the dawn of the internet age. There was one cybercafe on Whitworth Street, off Goodge Street, in London. It took an age to download just a page of Yahoo (a time before Google came on the scene). And all the world’s websites were contained within one three-inch-thick directory (called Rider’s). The process of searching was painful to handle and cumbersome and annoying, and slow, with many crashes and freezes, but – and the same applied to email – it was magical and we kind of just ‘knew’ it was worth persevering. And it would become easier and widespread. And of course … here we are.

Crypto is the same today. In ten years or even less, it will be as simple as using a credit card, perhaps easier. Everyone knows that. But now…it’s for geeks, the slightly pale-of-flesh and those who can be ‘bothered’. It’s a bit complicated at first glance and somewhat ‘techie’. But those who ‘get in’ before everyone else sees the light and piles on board will benefit to the same degree as when Apple shares were available for a few cents, Amazon just sold books and people started to use this new-fangled search engine called Google, because there was no advertising and the page just loaded more quickly.

Crypto is zeitgeist, and what I’ve been made party to, is information about  a brand new crypto currency which has yet to be launched, but which has already attracted the attention of some of the very biggest companies in the world – and some of the most high profile investors as well.

And I’ve got the opportunity to buy in now at a 45% discount on the launch price – an opportunity which I can also share with you.

We can buy into this brand new crypto-currency, to be launched next month, at a 45% pre-launch discount. It’s called RUON  and is a blockchain-based mobile application that could very well become the next generation social media, business, banking and humanitarian sensation.

It’s quite possible that RUON could achieve its target of being one of the most popular companies and greatest humanitarian concepts of the next decade. And the person who invented it and its pioneer is a friend of one of our editors, who he’s known and worked with for years.

Indeed, the concept is so big it has taken some of the smartest and visionary minds of blockchain technology, aerospace and even science-fiction, all working together, to help achieve its grand vision. The company has already been quoted as “one of the best uses of blockchain technology so far”.

The company includes Stan Larimer, the founding father of the blockchain and creator of the first-ever ICO (Initial Coin Offering).

Developing a new crypto-currency isn’t rocket science, but it helps if you are familiar. And Stan is an ex-NASA rocket scientist. Stan is also the father of Daniel Larimer, the creator of EOS, who has recently finished the world’s largest and most successful ICO, raising $4billion over the last year.

And RUON is now following in its footsteps, already being developed and built on the EOS blockchain, by Stan’s Bitshares developers.

But RUON is different and has a series of remarkable USP’s, which will elevate it above the crowd. Together with owners of coins/tokens making significant financial gain for themselves, there’s also an important humanitarian element, together with a socialmedia aspect. It really is unique.

Humanitarian-wise, RUON is allied with SovereignAid, a venture that promises to educate and empower in equal measure. It is well accepted that for crypto-currency and blockchain technology to be widely adopted, it needs to be used by every strata – rich and poor, tech-savvy and tech-phobic, male and female, the banked and the unbanked. SovereignAid will simultaneously serve the world’s wealthiest and poorest individuals, providing utility for the former and a lifeline to the latter. Charitable, functional and spendable, SovereignAid is setting its sights on becoming an alternative world payment system for the $155 trillion in cross-border transactions made each year (and help lift tens of millions out of poverty) and to help the two billion people worldwide who do not currently have a bank account. And RUON is its partner.

Then there’s the socialmedia aspect. Instead of ‘mining’, users earn tokens by ‘liking’ other users’ webposts. RUON aims to become the Instagram (MarketCap $50billion) and Wechat (MarketCap $30billion) of the blockchain. Simply put, the company expect that it’s how millennials and the mass market will adopt blockchain technology and crypto-currency, in an expertly-designed app that employs the kind of tech they’re already highly familiar with. And they’ll instantly get paid and rewarded by other users.

Instead of just ‘liking’ a picture or video stream, users can now send and attach RUON tokens to their favourite family & friends posts. You can’t do that on Facebook!

So, it’s hugely inter-active (which people like) and you can make money for yourself (which people like) and also automatically benefit good causes (which people also like). It’s appeal is to the whole of the population.

The company is in talks with Space X and has direct contact to Elon Musk, with a view to having the RUON & SovereignAid blockchain Nodes situated across their new satellite network, which is being established to provide the entire world with free internet by 2022. The idea is to beam crypto-currency across the globe, including those in the poorest and most remote parts.

And the great news from our point of view is that we’ve been offered the chance to ‘buy in’ at a huge 45% discount before this goes on public sale.

Initially, token distribution will be controlled. Today, you can buy one token at a 45% discount for $0.25 cents. When they go on sale to the public, the starting price will be $0.45 cents. As part of the rolling ICO, in under a year (310 days) they will be worth $2.00, then $2.50 (390 days) and, in the  last phase of the sale, $3.00 (470 days). That’s a profit of over 1,200%. Once free-floated, the value could then become … exponential.

In the world of crypto-currencies, you will be aware that tokens have the ability to dramatically increase in value. My advisors bought into Bitcoin at around £1,500. As of today, they’re worth £5,500 (and have been as much as £15,000). Sadly, they didn’t get in on the ground floor.

But we can with RUON.

If I’d purchased the crypto-currency NXT when it launched, I’d be very happy. The value of NXT recently stood at $0.249. During the ICO back in September 2013, one NXT coin was sold for $0.0000168. That means NXT has generated a return on investment for its early investors of over 1,477,000%.

RIPPLE went from $0.006 to $3.02. Investing $100 would have been worth a whopping $46,904.32.

IOTA held its initial coin offering in November 2015 and managed to raise over $400,000. During the crowdsale, IOTA tokens were sold for less than $0.001 and all one billion were sold. The token started trading publicly on exchanges one-and-a-half years later, at a price of $0.63. And then went to $1.43, which marks a 330,000% return.

The Ethereum project had its initial coin offering in the summer of 2014, where it sold 11.9 million tokens to raise $16 million. The issue price was $0.311. The price rocketed to $660, so over 250,000% increase.

For further information on RUON, take a look at  these videos:

RUON App features: https://vimeo.com/267078868
RUON Revolution: https://vimeo.com/267956069
RUON Explainer: https://vimeo.com/249573027
RUON Features: https://vimeo.com/267078868
RUON SocialMedia Market: https://vimeo.com/274267520

To sum up:

•  Total supply will be 3 billion

•  Initial RUON Token Price: $0.45 cents

• Pre-Launch Discount: 45% (further discounts available for quantity)

• Discounted Token Price: $0.25 cents

• RUON tokens sent to smart wallets in September

Doesn’t everyone wish they’d got in on the ground floor with these things? Well, that’s what I think I’ve found here. And that word think is important.

Like any other investor, I’m using my own personal judgement here. Nobody can say what will happen in the future with 100% certainty. For me, the risk-reward equation makes this something I want to do. Everything stacks up and a relatively small investment could yield huge rewards. But it wouldn’t be right for someone who couldn’t countenance (or indeed afford) to lose some or all of their investment.

I hope you’ve found this interesting, and if you’d like to receive further information on how you can get involved, drop me an email at John@streetwisepublications.co.uk

I look forward to hearing from you.

It’s a fair question isn’t it? We send you a wide variety of investment and moneymaking opportunities. But when the chips are down, where do I put my money?

Well the truth is that I try to spread it quite widely to minimise risk and also to take timescales into account – some cash I’ll need today, some next month, some next year, and some (God willing!) not for many years to come. And so I have property investments, stocks and shares investments, bonds investments, business investments, speculative investments….and good old-fashioned cash.

I like to have a reasonable amount of relatively liquid funds and for the past few years that’s been a problem. Last week The Bank of England raised interest rates by a quarter of one percent – the first rate rise for a decade. If that rise has filtered through into deposit rates, I’ve yet to see it, but returns from bank and building societies have been pitiful in recent years.

You’re lucky to get 1%.

A couple of years ago, that caused me to start looking at peer-to-peer lending. I opened accounts with a number of companies and started lending money out at anything from 3% to 8.5% per annum – much better than the rates on offer regular institutions. On the whole, the experience has been excellent. My returns from the cash I had sitting earning next to nothing in bank accounts has gone through the roof, and any risks there are have been mitigated by spreading funds.

But it isn’t for everyone (or it wasn’t!) because there can be drawbacks:

1.    Entry requirements can be prohibitive

Some peer to peer lenders require that you self-identify as a high net worth individual. That means an income of over £100,000 a year or assets in excess of £250,000, which rules out most of us.

2.     Security can be less than perfect

To my mind, the best loans to invest in are those secured by property. Property values are relatively stable, so if the loan is secured against a property at a maximum of 70% LTV, there should always be plenty of security there if the borrower defaults.

However, some companies lend to individuals on an unsecured basis, and others lend to businesses, secured on the assets of the business. Neither offer the same level of security as property and so headline rates can be eaten into by defaults.

3.    Company websites can be complicated

Sometimes it’s hard to see exactly what’s going in or what you’re investing in, and the nature of the loans you’re investing in, isn’t really clear.

4.    Some loans can be long term
I don’t like to tie my money up for more than a year. Some companies specialise in loans of 3 to 5 years, meaning you can’t get your hands on your money if you need or want it quickly.

Now if you’re a millionaire, happy to tie your money up for several years and can spread your money wide enough to take the rough with the smooth, none of this is a deal-breaker. As I said before, I’ve done very well out of peer-to-peer lending. But what if you just want a reasonably secure home for your nest egg, where you can invest small amounts quickly and simply…and get better returns than most of the other companies out there…and way more than the banks or other regular financial institutions?

Just recently I discovered a company called Kuflink, and have already started moving a lot of my peer to peer lending in their direction. Let me tell you why I like it…

• All loans are  secured against property at a very comfortable loan to value, so risks are relatively low, and there is ample coverage should anyone default. No one has yet.
• Loans are typically for 12 months or less,  so you have fast access to your funds.
• The website is simple and easy to use. You can be up and running and investing in 15 minutes.
• Investment clarity. You can see exactly which property loan you’re investing in, read the valuation reports and see the actual property. You could even go a stage further and see it if you wanted to!
• The company put their own money on the line by investing 20% in each loan first.
• Returns are  between 6.5% and 7.2%.
• Authorised by The Financial Conduct Authority.

And the icing on the cake? You don’t need to be a millionaire (or anything like it) to invest and start benefitting. You can open an account with as little as £100 and start investing with that.
I’ve looked at over a dozen peer to peer lending sites and invested in at least six. In my opinion, Kuflink offers the best combination of returns, security, clarity and simplicity for anyone who has a bit of spare cash languishing in a bank account and wants a better return without undue risk or effort, or tying their money up for several years.

I now have a substantial five figure sum invested through Kuflink and expect that to rise to six figures over the next few weeks.

Here’s a link to some more information. http://join.kuflink.co.uk/refer/

I’m not authorised to give you any kind of financial advice – I’m just giving you my opinion and  telling you what I’m doing – but if you have any questions about my personal experience with Kuflink or any of the other peer to peer lenders, just drop me an email.