This document summarizes 10 common and costly pension mistakes that many British people make. These mistakes include not saving enough for retirement, delaying saving which reduces the power of compound returns, failing to regularly check pension pots and investments, ignoring fees which can significantly reduce the overall value of a pension, relying too heavily on inheritances to fund retirement, not taking advantage of employer pension contributions, opting out of company pension schemes which forfeits employer matching contributions, assuming the state pension will be sufficient, not using pensions to save tax through tax relief on contributions, and accessing pensions early which incurs penalties. The document stresses that pension mistakes can be very expensive due to the long time horizon over retirement savings have to grow. It provides examples to

1. SPRING 2016 ISSUE 2 WWW.AVANTISWEALTH.COM
Budget winners and losers
George Osborne delivered his eighth
budget, we look at the winners and
losers! - pg 10
To Brexit or not to Brexit?
The In Out EU Referendum looms
large on the horizon, we ask the
big questions! - pg 5
Avoid 10 Costly
Pension Mistakes!
It’s hard to go through life without
making mistakes, see how you can
turn pension mistakes around! - pg 2
Isle of Wight Marina
Investment Opportunity
Home to the world famous
Cowes Week, the Isle of Wight is
the UK destination for the yachting
fraternity! - pg 7
THE CLIENT MAGAZINE FROM AVANTIS WEALTH

2. How you voted:
75%
Strongly Agree or
Agree
20%
Neither Agree or
Disagree
5%
Disagree or
Strongly Disagree
Quarter in 12 Words
• BREXIT WORRIES MARKETS
• TRUMP CLINTON CONSOLIDATE
• SYRIA CEASEFIRE AGREED
• BUDGET STATEMENT SURPRISES
12
HAVEYOUR SAY- RESULTS
Inside this issue:
Investment Director Paul Beard
shares his alternative view
Page 1
10 costly pension mistakes and how
to avoid them
Page 2, 3 & 4
To Brexit or not to Brexit that is the
question - how will the UK reply?
Page 5
This edition’s lifestyle feature looks at
the world famous Cowes Week
Page 6
Waterfront marina investment
Page 7
Cape Verde 5 star resort investment
Page 8
Specialist care home investment
Page 9
Budget 2016. Who were the winners
and losers?
Page 10 & 11
How to profit from unexpected places
Page 12 & 13
The Autumn statement delivered
a nasty shock for some with
hikes in stamp duty due to take
effect in April this year. We asked
if you agreed with the following
statement:
“Changes to
stamp duty
for buy-to-let
property is really
bad news!”

3. 1
THE
ALT-VIEW
INVESTMENT
COLUMN
Spring
Forward,
Markets
Back?
W
ith green shoots
heralding the start
of spring, the lighter
evenings offer a stark
contrast to the gloomy outlook for
the global economy. So why is the
global mood so gloomy? Core to the
problem is the seismic shift in three
key global economic variables:
• China’s currency policy
• Oil prices
• US monetary stance
All have rattled investors both at
home in the UK and around the
globe. The triple whammy of China’s
currency policy, oil prices and the US
monetary stance poses a challenge
to the world’s leading central
banks. If the banks fail to restore
confidence, the risks will grow of an
extended period of below par growth
and uncomfortably low inflation.
This has the potential to form a toxic
combination known to economists as
secular stagnation.
Ironically each component part of the
triple whammy can be interpreted
positively. China is allowing market
forces to play a greater role in
determining the country’s exchange
rate. Cheaper oil leaves Western
consumers with more cash to spend.
And the fact that Federal Reserve
policy is no longer on an emergency
setting confirms the US economic
recovery is now well established.
However, put the three changes
together and they add up for
investors to a world where the old
certainties no longer apply. Hence
the plummeting stock markets
since the start of 2016. Of the three
seismic changes the most worrying
is China’s new currency regime
because it is the least understood.
The People’s Bank of China has
done an exceptionally poor PR
job of explaining its apparent
abandonment of a decades-old dollar
pegging system in favour of tracking
their currency’s value against a
basket of global currencies.
Markets hate uncertainty, so they
can be forgiven for fearing that the
China’s currency drop against the
dollar since the start of 2016 (even
though it has remained broadly
steady against the new currency
basket), as a bad omen to an even
bigger depreciation. The suspicion
that China might be ready to let
its exchange rate fall plays into
long-standing market fears that
the Chinese economy is slowing
more abruptly than the authorities
acknowledge.
Against this gloomy backdrop, the
outlook for the UK economy is likely
to suffer further on uncertainty in
the EU referendum where a Brexit
looks to be a distinct possibility as
the Out Campaign seems both more
organised and motivated to sway
how the nation votes. Elsewhere
the prospects of a Trump win in the
White House thwarting a Clinton in
the process is ruffling feathers and
adding to an already full basket of
macro-economic gloom.
So where to invest?
You might be one of the few who
shifted from stocks and shares
to cash during the second-half of
2015. Perhaps you’re a buy-to-let
investor looking to rebalance with
the looming tax changes threatening
your profits. So where to invest?
Against this gloomy backdrop any
investment into traditional stocks
and shares would at best seem
foolhardy.
However, there are a select few niche
property-backed investments that
are non-correlated to the thrills and
spills of the stock market. And it’s
within this niche that Avantis Wealth
was formed to help the beleaguered
share investor. We are now also well
placed to help the buy-to-let landlord
looking to exit ‘hands-on’ property
investment in favour of ‘hands-off’
property investment.
We use our unique F.R.E.S.H.
Investment tool to choose the
best of the best property-backed
investments, that typical offer fixed
rates of return between 6% to
12% p.a. These investments offer
certainty with the powerful effect
of compound returns over the
uncertainly of highly volatile stock
market returns.
So whether you are looking to
make a new investment, looking at
diversifying your existing portfolio
or simply moving out of traditional
buy-to-lets contact us. Find out how
we can deliver consistent returns
across a range of high performing
opportunities available for cash,
pension and ISA investment vehicles.
Paul Beard, Investment
Director, Avantis Wealth

4. 2
10 costly pension
mistakes millions
of Britons make
W
e all make mistakes
in life, and sadly all
too often this includes
mistakes made saving
towards your retirement. The key
difference is that you could pay much
more over a far greater period of
time for a pension mistake!
Why? It’s said average life expectancy
for women will rise from 83.3 years in
2012 to 87.6 years in 2030. For men,
it is predicted to increase from 79.5
years to 85.7 years over the same
period. More than ten million people
can expect to live to see their 100th
birthday. The younger you are today,
the longer you’re expected to live,
the more pension mistakes could
cost you.
So what are the most common and
costly pension mistakes?
1. Not saving enough
Almost four in ten British adults don’t
have a pension including 1.4 million
who are within a decade of retiring.
While the new Auto-enrolment
pensions continue to roll out to SMEs
across the UK in a bid to make sure
all eligible workers have a pension.
How do you know if you’re saving
enough even with the new schemes?
People need on average £23,457
a year to live comfortably when
they retire. To achieve that annual
income, savers would need a total
fund of £469,140 from which they
could draw down 5 per cent a year
over 20 years.
People are saving on average £2,672
a year, which would build a total
fund of £120,213 over a working
lifetime of 45 years. That would
provide them with an annual income
of £6,011 by drawing down 5 per
cent a year over 20 years. That’s a
gap of nearly £18,000, which won’t
be bridged by any State Pension
entitlement! This is perhaps the
most costly of the mistakes you can
make. You can easily identify a gap
in your retirement plan through
a complimentary pension review.
Request one now at:
www.avantiswealth.com/pensions/
pension-review
2. Delaying saving
Quite simply, the longer you delay
the more it costs you to build a
good-sized pension. This is because
of ‘compound interest’, which Albert
Einstein called “the most powerful
force in the universe”. How much
could delaying cost you?
Let’s explore an example which
illustrates the point. We have many
clients with £100,000 or more in
their pension fund, doing very badly,
in fact often falling in value. These
clients could easily have 25 years
before retirement.
How would you react if we told you
that one year’s delay in investing your
£100,000, at a decent 10% annual
return, would cost you £100,000 in
lost revenue? We’re sure that most
of you would say you’ve got it wrong.
After all, a 10% return on £100,000
is £10,000 a year isn’t it. You’ve just
used too many zeros.
Wish that it were so, but the
calculation you’ve just done ignores
what we call the eighth wonder of the
world – compound interest.
The first part to understand is that if
you invest a year later instead of 25
years for your investment to grow
you only have 24 years and the one
year you lose doesn’t come off the
start of your investment – there is
always a year 1, 2, 3 etc. It comes off
the end of your investment – year 25.
The calculation goes like this. Invest
£100,000 for 25 years at 10% pa
return and you would have an
investment fund of £1,083,000 after
25 years. We’ve ignored tax and
assumed this is inside a pension
scheme.
What happens if you reduce the
timescale to 24 years? The total
investment fund falls to £983,000.
By our calculation that’s a reduction
of £100,000 – which is equal to your
entire starting investment.
Knowing this information might
make you hurry to get invested with
performing assets. In this case it
would cost you £8,333 every single
month you delay in lost fund value. A
very high price to pay for not getting
‘on it’ quickly!

5. 3
If you’d like to see what difference
an investment producing 6% to
12% annually can make to your
investment fund, get in touch with
our friendly investment broker team.
3. Not checking your
pension pot
If you have a pension, have you
ever reviewed it? Millions of people
haven’t. Moreover, recent research
revealed more than two in five adults
(41%) - 8 million people - cannot
remember how their pensions are
invested! Why is that alarming?
Performance can vary quite
dramatically across investments and
even a seemingly small difference
could have a significant impact on
the size of your pot.
A 35 year old with a £30,000 pension
pot could have a fund worth
£172,305 at 65 if his investments
grew by 6% a year. His fund might
be worth £301,880 at 65 if his
investments grew by 8% a year, or
£523,482 if they grew by 10% a year.
So if you’ve not reviewed your
pension in the last 12 months – take
advantage of our complimentary
pension review service. You can
request one by visiting our website at
www.avantiswealth.com/pensions/
pension-review
4. Not checking if you’re
invested correctly
Too many people have placed
their trust in traditional pension
companies. Typically these
companies have historically
produced poor returns often with
high fees.
Leaving how your pension is invested
to the ‘experts’ in the pension
company could cost you dearly,
when you could easily achieve net
annual returns in the range of 6% to
12%. Never underestimate the power
of compound return in delivering the
pension pot you need for a richer
retirement.
At Avantis Wealth we specialise in
helping or clients achieve these
returns via their pension and also for
ISAs and direct cash investments. If
you’ve not paid any attention to your
pension and in particular how it is
currently invested, it is never too late
to do something about it.
5. Ignoring charges
Pension companies and investment
professionals invest your
contributions to make cash and
you’ll probably pay them a long list
of fees in return, including an annual
management charge (AMC), exit or
transfer fees and advice fees. These
fees are often given as a percentage
and at first glance can seem quite
small. For example, an AMC of 1.5%
on an investment of £1,000 would
equate to just £15.
However, if you invested £1,000
a year for 20 years, assuming no
growth, you would pay £253 in
charges in year 20 - that’s nearly
25% of one year’s contributions
being swallowed up by charges.
Many workers don’t realise the extra
hidden fees they pay for pension
funds can erode the value of their
retirement pot by as much as 40%
- a staggering amount and a national
scandal.
Many astute investors have found
that by moving their pension
arrangements into either a SIPP or
a SSAS, not only gives them control
over how their pension is invested. It
also significantly reduces the charges
they pay.
6. Relying on inheritance
A quarter of Britons rely on
inheritance to fund their retirement
but many could find their plans are
resting on shaky foundations. Why
is that? Common sense highlights
the first problem with inheritances:
you can’t be sure when you’ll benefit
from the windfall. The way life
expectancy is shaping up the older
generations are likely to live well into
their retirement years.
Moreover, the amount you end up
inheriting may be far less than you
expect. One in three women and
one in five men aged 65 and over
will need to go into a residential care
home, according to PayingForCare, a
report by healthcare specialists Laing
& Buisson in 2013/14) depending on
where in the UK you live, care homes
can cost an average of: £28,500 per
year for a residential care home,
or £37,500 per year if nursing is
required!
7. Not taking up
employer contributions
Companies, especially the large ones
usually offer workplace pensions. In
many cases, they also offer to pay
money into your pension. The good
news is that by 2018 all companies
in the UK will have to offer a pension
to their employees, through the
new Auto-enrolment program. The
bad news is that most private sector
workers aren’t currently saving into
a workplace pension. This means
they could be missing out on “free
money”.

6. 4
8. Opting out of your
company pension scheme
If you opt out of your workplace
pension scheme, you could miss
out on thousands of pounds. This
is because lots of companies match
employee contributions so ignoring a
company pension scheme effectively
means saying no to free money.
While not all companies offer
pensions, since October 2012, new
regulations have come into force
automatically enrolling workers
in the UK aged over 22 into an
employer pension scheme.
So far, only those working for large
and medium sized companies have
been swept into a scheme, but all
employees will be auto-enrolled by
2018. All employers will have to add
to your contributions.
All workers do have the right to opt
out of the pension scheme, but you
will be automatically re-enrolled
after three years or if you change
employer.
9. Assuming the state will
provide for you
One in five people who retired last
year will rely entirely on the state
pension for their income. This is
worrying when you consider 83% of
25 to 54 year olds don’t know the
value of their state pension and more
than 30% overestimate how much
they’ll get. For 2015/2016 the basic
state pension will pay up to £155.65
a week. Would that be enough to
fund the retirement you want?
10. Not using pensions to
save tax
Tax relief on pension contributions is
one of those rare occasions when the
taxman gives you something back.
It cost the government £50 billion
in just one year (2015/16). This is
because under current rules when
you pay money into a pension, the
government effectively pays 20%
of the total contribution (subject to
maximum limits).
If you pay a higher rate of tax,
the government could in effect
contribute 40% or even 45% in total.
This means £20,000 in your pension
could effectively cost you as little as
£11,000. Although the value of any
relief will depend on your individual
circumstances and tax rules can
change.
It was widely reported that the
Chancellor was going to reform
the tiered system, but with the EU
referendum this year, shied away
from it. Avantis Wealth and other
industry commentators expect this is
only a temporary reprieve.
Next Steps
Avantis Wealth offers complimentary pension reviews.
Arrange your pension review now by completing the form at
www.avantiswealth.com/pensions/pension-review and a member
of our team will call you to arrange the review or call our team on
+44 (0)1273 447 299
How many mistakes
have you made?
No mistakes!
Good for you the chances are
your retirement plans are on
track!
1 – 3 mistakes
There is some cause for concern
here, if you’ve not reviewed your
pension arrangements in the last
year. You could benefit from a
complimentary pension review.
Request one now at:
www.avantiswealth.com/
pensions/pension-review
4 or more
While it’s never too late to
improve your retirement income,
you seriously need to review
your pension arrangements. A
complimentary pension review
conducted by our preferred IFA
will show you:
• The performance of your
fund
• Costs and charges you are
incurring
• The current value of your
pension fund
• Your possible income on
retirement if you make no
changes
As a result you will be in an
informed position to explore
options and make good
decisions about your future in
retirement.
Request one now at:
www.avantiswealth.com/
pensions/pension-review

7. 5
To Brexit or not
to Brexit: the big
questions for Britain
A
fter much trumpeting of
negotiating a better deal
for the UK in Europe by the
Prime Minister, we now
get the opportunity to vote on it.
Business has clearly already sided
with the stay in camp, while leading
political lights across all parties have
declared for the out campaign.
If the opinion polls are to be
believed, it’s too close to call
hovering around 49 per cent out
versus 51 per cent in. Though
given how the pollsters got the last
general election result so wrong,
anything could happen!
Here are the big
questions for the EU
referendum:
When will the EU referendum be
held?
The date has been set for 23 June
2016.
What will the referendum ask?
The Conservatives recommended
that the question should be: “Do
you think that the United Kingdom
should remain a member of the
European Union?” However, the
government bowed to pressure
from the Electoral Commission
after concerns that the phrasing
of the question might be seen as
biased towards those campaigning
to remain a part of the union. The
wording has since been changed to:
Should the UK remain a member of
the EU or leave the EU?
Who can vote in the EU
referendum?
Eligibility will be based on the
criteria for voting in a general
election, which means citizens of
most EU countries (who can vote
in local and European elections in
Britain) will not be allowed to take
part. Anyone over the age of 18 who
falls into one of the following groups
can cast a vote:
• British citizens resident in the
UK
• British citizens resident
overseas for less than 15 years
• Citizens of Ireland, Malta and
Cyprus resident in the UK
• Commonwealth citizens
resident in the UK
• Commonwealth citizens
resident in Gibraltar
However, citizens of Jersey,
Guernsey and the Isle of Man, which
are not in the EU, will not take part.
Members of the House of Lords will
be allowed to vote, despite being
ineligible to cast a ballot at general
elections.
What would happen if the vote
was held tomorrow?
The latest polls point to the contest
being too close to call, with 49 per
cent of voters supporting a Brexit
and 51 per cent wanting to remain
in the European Union.
Who is campaigning on either
side?
Several In and Out groups have
launched and both sides are
campaigning hard. The main
campaign trying to convince voters
that the UK should remain in the EU
is Britain Stronger in Europe led by
the Tory peer and former M&S boss
Lord Stuart Rose, with Boris Johnson
now a leading light for the leave
campaign.
Have your say!
We seek your views on the
current hot topic of the EU
referendum. Do you agree
with the following statement?
‘Staying in the EU will be good
for the UK’
- Strongly Agree
- Agree
- Neither Agree or Disagree
- Disagree
- Strongly Disagree
Vote now at:
http://bit.do/VOTEEU
We’ll publish the results in
the next edition of Astute
Investor.

8. 1.Traditionally always held
during the first week of August
Over the decades, this arrangement
has only ever been changed on a few
occasions. Back in 2012 the dates were
shifted slightly so as not to clash with
the Olympic Games.
2. International appeal
The Cowes Week Regatta attracts
competitive teams from all corners
of the globe; several teams over the
years have travelled all the way from
Australia!
3. Biggest and best
Cowes Week is the largest regatta of its
kind in the world. It organises 40 races
daily for over 1,000 boats and about
8,500 competitors.The biggest ever
class was the Laser SB3s in 2007 with 98
boats!
4. A unique sailing spot
The Solent separates the Isle of
Wight from the south coast of the UK
mainland and provides a unique spot
for recreational water sports.The
complicated tidal patterns that are so
characteristic of this area present even
the most experienced crews with an
exciting challenge.
5. Population boost
Over 100,000 visitors flock to Cowes
Week Regatta each year in August,
significantly boosting the local
population for the duration of the event.
When you consider that the population
of the entire island is 140,000, you can
just imagine the difference that makes to
the numbers in Cowes itself! Outside of
Cowes Week the island welcomes over
2.5 million holidaymakers each year.
6. Grand finale
For over 150 years now, a spectacular
fireworks display has been held
on the last Friday of the event.This
longstanding tradition has become an
integral part of Cowes Week, loved by
visitors and locals alike. Every year the
display seems to get bigger and better!
The 2016 display will take place on
Friday 12th August.
7. Local industry
The seaport towns of Cowes and East
Cowes nearby have had strong links
to the sea for both trade and travel for
many centuries.The design and build
of boats and sail making remains an
integral feature of the local economy
and it is here that the first ever
hovercraft was tested!
8. Cowes Regatta inspired art
During the late 1920’s and the early
1930’s, the renowned French Fauvist
painter Raoul Dufy frequently attended
Cowes, where he loved to paint the
races in his signature cheerful and
optimistic style. One of his most
celebrated pieces, entitled ‘Regatta at
Cowes’, (painted in 1934), is displayed
in the National Gallery of Art in
Washington DC.
9.You are never too old to sail or
too young to start
Back in 2011, a skipper by the name of
Tom Tait raced in the XOD class at the
age of 90 with his crew that included his
72 year old wife Carol, demonstrating
that you are never too old to have fun
and sail at the Cowes Week Regatta! The
youngest skipper at Cowes Week racing
last year was 13 year old Alex Downer.
10. Bicentenary ahoy!
The first Cowes Week race started on
Thursday 10 August 1826, that’s 190
years ago!
For more information on CowesWeek
visit www.cowes.co.uk and for an
exciting investment opportunity well
placed for the home of world sailing
see next page!
CowesWeek Regatta -
10 FactsYou May Not know!
Cowes Week is the place to be in August for
anyone that loves sailing, whether a sailor or
enthusiastic spectator. The Isle of Wight is the
setting for one of the world’s most famous sporting
events. Here are a few facts you may not know
about Cowes and this popular sporting event:
6

9. T
his is an exciting new opportunity to invest in
a corporate bond offering an attractive 7% per
annum over five years. The operator currently
owns an operating marina which includes a
restaurant, shop, boat repair and chandlery, lock gate
and offices. The marina is conveniently situated on the
River Medina, two miles south of Cowes.
Monies raised by the corporate bonds will be utilised to
further develop the marina on the Isle of Wight, with the
intention to develop 95 apartments, including a range of
leisure facilities consisting of a spa, children’s play areas
and a bistro.
Work on the first 25 apartments (Phase 1) has already
commenced and is expected to complete in April 2016.
Contracts have been exchanged for the sale of 5 of these
apartments giving a total revenue of £1,110,000.
The Operator has received a mortgage offer for a buy to
let loan of £1,750,000 for the remaining 20 apartments.
The Operator has received a valuation from Jones
Lang La Salle for Phase 1 of the development, and as
at 18 January 2016 Phase 1 is estimated to have a base
land value of £675,000 and a market value once fully
developed of £4,750,000.
Work on the further 70 apartments (Phases 2 and 3) is
estimated to be completed by March 2018. It has been
estimated that the basic land value for the area of the
site upon which these 70 residences are to be built is
£2,520,000. In addition, the Operator intends to build
24 houses in phases 4 and 5. The basic land value for
this area is estimated to be £865,000. The development
of leisure facilities, which will include a soft play area, a
mini-cinema, trampoline park, café and private party area
are expected to be completed in Easter 2017.
In addition, there will be a new swimming pool spa and
a bistro on the site, which are due to be open in Easter
2018, as well as a newly renovated and expanded existing
restaurant (in order to double the capacity), which is due
to be completed in May 2016.
The current project plans anticipate that all of the new
apartments and facilities will be completed by Easter
2018. However, a number of apartments, the children’s
leisure facilities and the refurbishment of the existing
restaurant are expected to be completed by June 2016.
7
Why we like it:
“The key driver for
demand is the simple
fact that this is the
premium-location for the
UK yachting fraternity”
Highlights
• Minimum investment £25,000
• Fixed return 7% p.a.
• Bonus 3% year 5
• Term 4 or 5 years
• Income paid semi-annually
• Restricted investment subject to status
Next Steps
Request the full investor pack for this
exciting new waterside investment
opportunity.
Call our investment broker team on
+44 (01273 447299 or complete the form at
invest.avantiswealth.com/marina-development/
New Investment Opportunity
Isle Of Wight Marina

10. Why we like it:
“In partnership
with Melia Hotels
supported by UK tour
operators it’s a winning
combination!”
Highlights
• Minimum investment £10,000
• 7% p.a. assured return during construction
• 5% guaranteed net rental yield
• 5 year resale option
• Available to all investors
Next Steps
Request the full investor pack for the
Cape Verde Five Star Resort investment
opportunity.
Call our investment broker team on
+44 (01273 447299 or complete the form at
invest.avantiswealth.com/cape-verde-beach-resort/
8
I
f you are looking to purchase a property in Cape Verde,
you’ll be pleased to know that there is now a more
secure and flexible overseas property investment
product called 755 Property Options from one of our
best hotels and resorts providers.
The new investment opportunity offers long-term
guaranteed returns for new investors whether
you purchase a property outright or as a fractional
investment and now offers a structured exit strategy.
As an investor, you will continue to benefit from the
off-plan incentive of 7% per annum during the resort’s
construction phase, meaning you can start earning
immediately. You will also receive a minimum of 5% net
rental yield once the resort has opened and should you
wish to exit, the developer will even resell the property
on your behalf after five years.
Since its establishment in 2007, the developer has
completed two developments in Cape Verde, which
continue to impress holidaymakers and investors alike.
MELIÃ Tortuga Beach Resort, which opened in May
2011, has been voted Cape Verde Leading Hotel for four
consecutive years and it has an average occupancy rate
of an impressive 74%.
MELIÃ Dunas Beach Resort & Spa, which opened in
November 2014, is voted the number one hotel in Santa
Maria on TripAdvisor, as well as having won several
2015 Hotel of the Year awards and ranked 7th Best
Hotel Resort in the World 2015. Both resorts have led to
investors receiving average returns of 5.5% net.
A further three major developments from the developer
are under construction, which strongly indicates that
both tourism and the property market in Cape Verde is
taking off. Bookings have surged since the collapse in
tourism in Tunisia, Egypt and Turkey, as holiday makers
look for a politically stable all year round sun destination.
755 Property Options is therefore set to be welcomed by
investors looking at the growing Cape Verde market with
the improved guaranteed rental returns and structured
exit strategy now in place!
Investment Focus
Cape Verde Five Star Resort

11. Why we like it:
“The project
promoter has just
completed a similar
facility which received
significant praise”
Highlights
• Minimum investment £10,000
• Fixed return 18% for 18 months
• Secure asset backed investment
• Forecast gross revenues of £12 million
• FCA regulated entity as security trustee
• Restricted investment subject to status
Next Steps
Request the full investor pack for the
Specialist Residential Care Facility investment
opportunity.
Call our investment broker team on
+44 (01273 447299 or complete the form at
invest.avantiswealth.com/specialist-care-facility/
Investment Focus
UK Care Sector
I
n the UK there is a high demand for care homes that
offer dementia treatment and for specialist homes
that support individuals with complex needs. The
healthcare sector as a whole does not fall victim to
economic fluctuations that can affect more cyclical
sectors. Care homes and healthcare are essential
expenses, rather than discretionary costs, that will
continue to be budgeted for both by private individuals
and by the government in the UK, no matter what the
economic climate.
This is an opportunity to invest in the development of
three specialist residential care homes in Hartlepool
through a loan note offering a highly attractive 18%
over 18 months. The developer has already exchanged
contracts on three large sites and obtained full planning
permission to create much needed accommodation for
individuals with disabilities and complex needs.
With the huge demands on the NHS and local
government to actively procure ‘fit for purpose’
accommodation for people suffering with mental health
and learning disabilities, this development should be well
placed to meet these ever growing needs.
These state of the art facilities aim to set new
standards in this category of healthcare and provide
accommodation that should not only ensure the service
users have a better quality of life, but will also underpin
the return to investors. Security is provided by a fixed
and floating charge over all the assets of the loan note
issuer.
This
investment
opportunity
is almost
fully
subscribed!
9

12. Budget 2016
who were the
winners and
losers?
Smokers
2% above inflation rise in
tobacco duty on a packet of
cigarettes.
usersLosers
Small
Businesses
Threshold for relief from
small business rates will
increase from £6,000
to £15,000, which pulls
600,000 small businesses
out from paying the hugely
unpopular tax.
Fizzy drinks
fans
From 2018, fizzy drinks will
be subject to a sugar tax.
Low Income
Earners
The personal allowance will
be raised to £11,500, from
£10,600 now.
School kids
The chancellor announced a
longer school day for 25%
of schools - and compulsory
maths for under-18s.
clock
💱
userprofilecupLosers
Losers
Pubs
Frozen duties on beer,
spirits and most ciders.
Cheers to that!
beerWinners
Winners
Winners
10

13. Landlords
Landlords will face a capital gains tax surcharge when selling
property following changes announced in the Budget.
Osborne cut capital gains tax significantly, giving many
investors a major boost. The basic rate of capital gains tax
will fall from 18pc to 10pc from April this year, while the
higher rate will fall from 28pc to 20pc.
However, gains made on residential property will not be
eligible for the newly lowered rates. Instead the Chancellor
has maintained the existing rates, equivalent to an eight
percentage point surcharge. The same will apply to carried
interest.
The Budget document said the move was intended to ensure
that CGT provides an incentive to invest in companies over
property.
For a £10,000 gain (above the £11,100 tax-free allowance) a
basic-rate taxpayer would currently be left with £8,200 after
tax, and a higher-rate or additional-rate taxpayer with £7,200.
Under the new rates, the basic-rate taxpayer would be left
with £9,000 and the higher or additional-rate taxpayer with
£8,000.
The changes will see Britain charge some of the lowest capital
gains tax rates in Europe.
homeLosers
Savers
The new Lifetime ISA is aimed at those under 40 who are
saving for retirement or to buy their first home.
From April 2017, up to £4,000 can be saved each year, with a
25% bonus from the government.
The account can be added to until you are 60.
calculatorWinners
Drivers
Fuel duty is frozen for a
sixth consecutive year.
fuelWinners
Commuters
Osborne gave the go-ahead
to HS3, between Leeds and
Manchester, and Crossrail 2.
trainWinners
The Sharing
Economy
Two new tax free schemes
worth £1,000 for those
offering services in the
sharing economy - one
for selling goods, and one
directed at Airbnb owners.
usergroupWinners
11

14. How to Profit from
Unexpected Places
M
aking good investment
profits in relatively
low risk ways is every
investor’s dream.
But often we are our own worst
enemy because we dismiss
investments for reasons that
seems very sensible but just don’t
stand up to close scrutiny.
Let’s take an example to make
the point. Here’s a ‘real life’
investment, available today,
that would be worthy of close
consideration by investors who
seek high returns in a short time
period.
Based on this set of information
(key facts on the right) I’m sure
that more than a few investors
would be seriously considering an
investment.
Now let’s drop one more piece of
information into the discussion.
The location is Cluj-Napoca in
Romania.
I know from experience that at
this stage a considerable number
of interested people will decide
it’s not for them. Why?
Here are the main
comments I hear:
‘I don’t know anything about
Romania’
‘It’s a poor country’
‘It’s too far away’
Choosing to accept or reject an
investment is a critical decision
for investors. My point in
this article is to highlight that
sometimes decisions to reject
an investment are not based on
fact, or on a genuine analysis. If
this is you, then you do yourself
a disservice because of what you
may miss!
Out in the big wide world there
are a range of investors, from
those who will only buy a rental
property in their immediate area,
to investors who choose to invest
in far flung places that they have
never visited.
The key is to gain clarity about
why you reject something and
be sure that you make a rational
decision.
For example, it is absolutely
not true that Romania is a ‘poor
country’. Come and visit Cluj-
Napoca and within an hour
your view would be massively
different. After visiting Julius Mall,
a shopping centre that cost €90
million and rivals anything that
New York or London can offer,
you would be in shock. Then
seeing the roads full of BMW,
Mercedes and Audi cars you could
be forgiven for thinking you are in
an upmarket UK city.
Finally, you’d understand that
much of the foreign direct
investment in Romania ends up in
Cluj, with Bosch employing 1,000
people and numerous global tech
companies employing many more
thousands.
To round this off you would see
cranes everywhere as builders
try to keep up with soaring
demand for apartments and
houses underpinned by a growing
population of highly educated
young people seeking to own
property – which is as important
in Romania as it is in the UK.
I don’t know if the Panorama
Gardens project in Cluj-Napoca
is for you. But if you consider
yourself open-minded and
willing to investigate without
preconceptions, then you could
bag yourself an excellent return
of 24% over the next 24 months.
Ask for the Fact Sheet and Q&A
information pack. You’ll be glad
you did!
Rod Thomas FCA
Development Director for
Panorama Gardens
Stop Press!
Nearby developments
have now sold
out, leaving this
development
exceptionally well
placed to meet strong
local demand for family
housing. This strong
demand has driven
property prices up by
12.4% during 2015!
12

15. 13
Photo by: Alex Ionas / Shutterstock.com
Next Steps
If you want to achieve a
market leading 12% p.a.
call our investment broker
team on
+44 (0)1273 447299 or
complete the form at
invest.avantiswealth.com/
panoramagardens/
The Key Facts
Investor return 24% net (market leading
rate!)
Term 24 months
Minimum €20,000
Type Property development
Pricing Very competitive, selling
3 bedroom detached
houses for £72,000!
Progress Planning consent in place,
about to start construction
Team Experienced and well
proven team, headed
by Rod Thomas with
30+ years of property
development and
investment experience
Security Yes, first charge security
over land and construction
Due Diligence Yes, 35 items of due
diligence available
Location Forbes magazine calls
this the ‘Tech Capital of
Europe’. University town
with 100,000 students
studying at 13 colleges
Special feature Supported by Government
first time buyers program
enabling 95% mortgages
Investor profile Please note that this is
a restricted investment
subject to status as High
Net Worth / Sophisticated
Investors only

16. 14
Rod Thomas and Avantis Wealth Ltd are not
authorised or regulated by the Financial Conduct
Authority (FCA).
Rod Thomas and Avantis Wealth Ltd does not provide
any financial or investment advice. 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.
Information is provided as a guide only, is subject to
change without prior notice and doesn’t constitute
an offer of investment. Some investments may
be restricted to persons who are high net worth,
sophisticated or professional investors or who take
independent advice from an authorised independent
financial advisor.
This document represents the opinions of Rod
Thomas and not necessarily those of Avantis Wealth
Ltd. All information is supplied in good faith but
no liability is accepted for mistakes or errors. There
can be changes to the tax situation, economic and
political landscape that may invalidate or change
statements made herein.
Disclaimer
Contact Us
Existing clients
If you’re an existing client and you’d
like to review your current investments
or discuss possible new investments,
direct or via pension or ISA please
call the client services team on
+44 (0)1273 447308 or
email invest@avantiswealth.com
Prospective clients
If you’re a prospective client and
you’d like to arrange a complimentary
pension review or have an informal
discussion about our current investment
opportunities, please call our investment
broker team on +44 (0)1273 447299 or
email invest@avantiswealth.com
t: + 44 (0)1273 447299
e: invest@avantiswealth.com
w: www.avantiswealth.com
THE RICHER RETIREMENT SPECIALISTS