THE RICHER RETIREMENT SPECIALISTS

RESIDENTIAL GATED COMMUNITY

PROPERTY

DEVELOPMENT

a Minimum €10,000a 12% average annual returna UK company holds first legal chargea Romania’s investment hotspota Short-term 15 month option availablea Restricted investment subject to status

WHY WE LIKE IT

“Market leading returns from a highly

regarded property developer”

This is a residential development in a gated community being built by an experienced UK developer in one of Europe’s fastest growing economies. Phase 1 of the project is fully funded and under construction. Phase 2 will raise money to acquire additional land and extend the project from 56 to 132 houses.

The national government is supporting this project through the ‘Prima Casa’ (first house) program, designed to help first time buyers into property ownership.

The three year investment option offers a generous, fixed, 12% net annual return (average) or forgo the six monthly interest and benefit from a 40% compound return. For investors looking for a shorter time frame there is a 15 month option offering a 15% net return.

Investment starts at just €10,000 and with the strong pound this is a good time to invest in Europe. Investors benefit from security with a first legal charge over the land and a debenture over the development company.

F FIXED INCOME: Yes. Contracted and legally

binding. See Key Features for rates.

R REGULAR HIGH INCOME: Yes.

E EXIT STRATEGY: Yes. Max 4 years but

developer incentivised to exit after 3 years.

Also 15 months option available.

S SECURITY: Yes. UK company holds first legal

charge over land and floating charge over

development company.

H HANDS OFF MANAGEMENT: Yes.

Full team of professionals.

F.R.E.S.H. INVESTMENT

EUROPEAN TIGER ECONOMY

Modest risk - Investors in Phase Two have the benefit of many development risks either eliminated or much reduced. For example: planning consent gained, sales achieved, construction costs quantified.

Excellent return - Choose income averaging 12% net p.a., or growth at 40% over three years.

Short timescale - The investment timescale for option 1 is 36 months, with the option to extend a further 12 months if needed, with additional investor benefits, for option 2 investment timescale is 15 months.

Prima Casa (First House) programme - This Romanian government programme provides financial support to first time buyers, requiring a modest 5% deposit. Panorama Gardens meets the criteria for Prima Casa.

Brilliant location with proven demand - The location is superb. 15 minute drive to the centre of the city and close to the international airport. Off plan sales of Phase One have already been achieved at higher than anticipated sales prices.

Excellent value underpins sales targets - The houses will sell for c. €90,000 for 140 m2 houses on 250 m2 plot. This is against a current valuation of €125,000, supported by sales in the local area.

Three target markets - First and second time buyers, and corporate businesses (like Ikea and Bosch) buying property for visiting management staff.

KEY FEATURESMINIMUM €10,000

ANNUAL RETURNS (NET BEFORE TAX) 12% average annual return across 3 years. 15% over 15 months.

CAPITAL GROWTH POTENTIAL No

OPTION TO ‘ROLL UP’ INTEREST? Yes, three year return 40% compound

LOCATION Europe (Romania)

INVESTMENT TERM Option 1: 3 years, with developer option to extend to 4 years, with uplift in return. Option 2: 15 months.

INVESTMENT TYPEIndirect participation – Loan note.

CURRENCY EUR

SPECIAL FEATURES UK developer aided by Romanian government initiatives to support first time buyers. Short-term option of 15 months also available.

AVAILABLE TO CASH INVESTORS? Yes

AVAILABLE TO PENSION INVESTORS? No

INVESTMENT RISK - Currency risk fall in pound - Contractual income not met - Delay in development completion

“MARKET LEADING 15% NET RETURN FOR 15 MONTHS.”

THE COMPANY

Avantis Wealth is an investment broker, specialising in high income, property investments. We help clients achieve market leading returns from their savings, capital and pensions, leading to greater financial security and a better quality of life.

We target annual returns in the range of 7%-15% net p.a. with investments that meet our F.R.E.S.H. investment strategy. We have a portfolio of 20–25 investments that meet these criteria and can make a significant difference to your income now and value of capital in the future.

THE TEAM

Work with Avantis Wealth and benefit from our strength of experience and understanding of property and asset backed investments. The senior management team offers over 75 years of combined experience in property and investment and are highly focused in achieving the very best from your investments.

Our MD, Rod Thomas FCA has 33 years of investment experience and is the author of “The Pension Disaster And How To Plan For A Secure Retirement”.

The relationship with you is the most important asset we have. Therefore we work hard to earn and keep your trust. These four values underpin the decisions we make and the way in which our company operates:

OUR VALUES

DISCLAIMER

Avantis Wealth Ltd is not authorised or regulated by the Financial Conduct Authority (FCA). This is not a financial promotion or an invitation to invest.

Avantis Wealth Ltd does not provide any financial or investment advice. We provide a referral to a regulated advisor who will offer appropriate advice, or to the company offering an investment who will determine your suitability for the investment prior to any offer being made. We strongly recommend that you seek appropriate professional advice before entering into any contract. The value of any investments can go down as well as up and you might not get back what you put in. You may have difficulty selling any investment at a reasonable price and in some circumstances it might be difficult to sell at any price.

Do not invest unless you have carefully thought about whether you can afford it and whether it is right for you and if necessary consult with a professional adviser in accordance with the Financial Services and Markets Act 2000. These products are not regulated by the FCA or covered by the Financial Services Compensation Scheme and you will not have access to the financial ombudsman service.

This page does not constitute an offer to invest but is for information only. Persons expressing an interest in the bond will receive an invitation document, which they should read and ensure they fully understand prior to making any decision to subscribe. Persons in any doubt regarding the risks associated with investments of this nature should consult a suitable qualified and authorised advisor.

PLEASE CALL US DURING UK OFFICE HOURS

ABOUT AVANTIS WEALTH

VERSION: IFS-B-1.2 31/10/14

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