This document is a newsletter providing an overview of global news and financial market performance for the week. It includes the following: - The top 3 performing and underperforming countries/regions for the week were Brazil, America, Russia and Japan respectively. - News items on Samsung launching a mobile wallet in China, Hillary Clinton criticizing Donald Trump's NATO plans, and the Panama Papers leak revealing tax haven use. - Performance summaries of various stock markets and fund investments. - An article on the 7 stages of retirement and upcoming pension changes in the UK.

1. www.pic-uae.com Muhammad.awan@devere-acuma.com Mobile: 0558373992
deVere Top News of the World
Inside This Issue
1 deVere Top News of the world
2 UK Pension News
3 Lump Sum Investments of the week
4 Retirement News
5 Weekly Market Overview
6 Performance of major stock markets
7 Property Investment News
8 Investor tip of the week
9 Upcoming Events
3 Best performing
Countries/Regions of the week
1. Brazil
2. America
3. Russia
WEEK 14 2016
MUHAMMAD AWAN’S
WEEKLY OBSERVER
Underperforming Country /
Fund of the Week
1. Japan
Newsletter Date 04 April 2016
“Preparation for old age should begin no later than one's teens. A life which is empty of purpose until 65 will not
suddenly become filled on retirement.” Dwight L. Moody
Cautious Fund of the week
1. US Defensive fund
Samsung Pay - Samsung launch Chinese mobile wallet
Samsung has officially launched its mobile wallet service in China, in cooperation
with local vendor UnionPay. Instead of using cards the service allowed shoppers to
use their smartphones to pay for in-store purchases.
Last month Apple launched its own Apple Pay system in China, also in partnership
with UnionPay. China's smartphone market, the largest in the world, presents a huge
business opportunity for mobile-payment systems. Samsung Pay and Apple Pay will
now compete with Alibaba's Alipay, which currently dominates China's electronic
payments market. Tencent's WeChat also has a payment system which is popular
and telecommunications giant Huawei launched its own service earlier this month.
The South Korean electronics giant, Samsung, said Samsung Pay was now available
in China on a range of smartphones including the Samsung Galaxy S7, Galaxy S7
edge, Galaxy S6 edge+ and Galaxy Note5. Samsung also said it would have "the
opportunity to support additional mid-range models in the future".
In announcing its official launch, which has been expected since late last year,
Samsung said that Samsung Pay currently supports select credit and debit cards of
nine major banks in China including China CITIC Bank, China Construction Bank and
China Everbright Bank.
Clinton condemns Trump's Nato plans
Democratic leader Hillary Clinton criticised Republicans and defended Nato in a
counter-terrorism speech following the suicide bomb attacks in Brussels. Her remarks
harshly opposed those of her Republican counterparts, specifically Donald Trump,
who has proposed scaling back US pledges to Nato. Mrs Clinton said the US should
discuss in more detail with Arab partners and stand with Europe in its time of
need. She said, "Our European allies stood with us on 9/11. It's time to return the
favour." America shouldn't not turn its back on its allies, she said during comments at
Stanford University in California, and offending them is not a good way to combat
terrorism.
Addressing Mr Trump's calls to bring back the use of torture and water boarding to
extract information from terrorism suspects, she said, "I am proud to have been part
of an administration that outlawed torture". She said the fatal attacks in Brussels that
killed over 30 people are the "latest brutal reminder" that more must be done to fight
so-called Islamic State (IS) militant group. The US and Europe should take a "harder
look" at airport security procedures, and other "soft targets" that IS may target. Mrs
Clinton also said suggestion in Congress to make a national commission on
encryption could help battle online radicalisation.
Panama Papers: Mossack Fonseca leak reveals elite's tax havens
A huge leak of confidential documents has revealed how the rich and powerful use
tax havens to hide their wealth. Eleven million documents were leaked from one of
the world's most secretive companies, Panamanian law firm Mossack Fonseca. They
show how Mossack Fonseca has helped clients launder money, dodge sanctions
and evade tax. The company says it has operated beyond reproach for 40 years
and has never been charged with criminal wrong-doing. The documents show links
to 72 current or former heads of state in the data, including the Icelandic Prime
Minister, Sigmundur Gunnlaugson, who had an undeclared interest linked to his wife's
wealth and is now facing calls for his resignation. The files also reveal a suspected
billion-dollar money laundering ring involving close associates of President Putin.
http://www.bbc.com/news/world-35918844
Balanced Fund of the week
1. CF Woodford Equity
Growth Fund of the week
1. Threadneedle Investment
Funds - American Smaller
Companies Fund

2. www.pic-uae.com Muhammad.awan@devere-acuma.com Mobile: 0558373992
PAGE 2 MUHAMMAD AWAN’S NEWS LETTER
Morgan Stanley - Quarterly Income Note
- FTSE 100, S&P 500 and Eurostoxx 50
Key highlights of this new offer include:
 Quarterly cash coupons provided all indexes are equal to
or above 70% or 80% (subject to choice of Note) of their
starting levels at the end of each quarter:
 5 year – 2.10% (US$) and 1.95% (GBP) – 20% Protection
 5 year - 1.70% (US$) and 1.60% (GBP) – 30% Protection
 Where one or more index is below its income barrier level
at the end of a relevant quarterly period the income
payment for that quarter will be missed. Quarterly income
payments will then resume provided all indexes return to
their respective income barrier levels
 Full return of capital less initial charge at maturity
providing all indexes close at or above 70% or 80% (
subject to choice of Note) of their starting levels
 Investment linked to the FTSE 100, S&P 500 and
Eurostoxx 50 Indexes
 4% Initial charge

 Fact Sheet attached
Lump Sum Investments of the Week
The 7 stages of retirement
1- pre-retirement
planning for retirement and disengaging from the workplace
2- near retirement
establishes specific departure date from job
3- retirement
no longer participates in paid employment
4- disenchantment
period of disappointment and uncertainty. misses feeling productive
5- reorientation
"take inventory" of retirement and outline ways to improve retirement role
6- retirement routine
finding a comfortable retirement routine
7- termination of retirement
retirement role becomes less relevant (i.e.- loss of independence)
Retirement News
The new LTA comes into force on April 6th this year which is now very low at only £1,000,000 this has now reduced by £800,000 in
the last 6 years (2010) and we are expecting that this again will be targeted by the UK Government to come as low as £750,000
within the next few years. Also with the pension minister looking lump sums we know that this could also affect clients wanting to
take their tax free lump sum on retirement age (PCLS)
UK Pension News
News
UBS Developed Markets Autocallable
Note - 3
Key highlights of this new offer include:
 A coupon of 12.00% p.a US$ and 11.00% p.a GBP paid
after 1 year and early maturity if indexes are equal to or
above starting levels
 If indexes are not equal to or above starting levels after 1
year, product rolls to years 2,3,4 and 5 with the potential
for an additional 12.00% p.a US$ and 11.00% GBP and
early maturity at each anniversary
 Investments linked to the S&P 500, FTSE 100 and
Eurostoxx 50 indexes
 30% protection barrier
 5 Year maturity with full return of capital less initial charge
if protection barrier not breached on maturity date
 4% Initial charge

3. www.pic-uae.com Muhammad.awan@devere-acuma.com Mobile: 0558373992
PAGE 3 MUHAMMAD AWAN’S NEWS LETTER
This week saw central banks, Chinese creditworthiness and a series of core economic data releases dominate the market newsflow.
CENTRAL BANKERS SHOW CAUTION
Janet Yellen, the US Federal Reserve Chair, said that the FOMC needs to proceed with caution in increasing interest rates given
unfavourable market conditions, weaker than expected overseas growth and an uncertain inflation outlook. The Fed then confirmed
the market’s expectations this month, when it announced that it expected to raise its benchmark interest rate more slowly.
In contrast to the caution, this week also saw the US economy add 215,000 jobs in March, down from 245,000 the month prior, but
higher than economists’ expectations of 205,000. Jobless claims also remained low, only increasing by 11,000 last week to 276,000. This
came through with the overall unemployment rate ticking upwards, although this has been attributed to a recovery in the labour
participation rate reaching a 2-year high.
Meanwhile, the Bank of England stated that the referendum on the UK’s membership in the EU is the most significant near-term
domestic risk to financial stability. The Financial Policy Committee also judged that risks associated with domestic credit are no longer
subdued and global risks, which can also affect UK exposures indirectly, are heightened.
The European Central Bank focused on its capabilities where, according to one ECB Executive board member, negative interest rates
are not the main policy tool for boosting inflation and growth, and they will not be lowered deeper into "absurdly" negative territory,
although further moves cannot be ruled out.
CREDIT IN CHINA
The spotlight was on China as their biggest banks posted their lowest annual profit growth in a decade amid rising bad loans. This
added to the news that Standard & Poor’s cut its outlook for the country’s sovereign credit rating to negative from stable, citing rising
economic and financial risks, following Moody’s downgrade earlier this month.
However, it was not all bad news – profits at Chinese industrial companies rose at their fastest pace in more than 18 months in the first
two months of the year, despite weakening business conditions and slowing economic growth. This was further reflected in official data
showing factory activity had expanded in March for the first time in eight months, with manufacturing PMI reaching 50.2 versus an
expected 49.4. While the private Caixin-Markit manufacturing index, often seen as a more objective indicator, rose to 49.7 from 48.
ECONOMICS & OIL
Across the globe, other economic indicators played their part:
 US manufacturing activity increased to 51.8 from 49.5 in February, the first expansion in 7 months
 Eurozone economic sentiment fell to its lowest level in more than a year in March, as German retail sales declined and euro
area inflation stayed in negative territory for the second month in a row
 UK GDP growth was revised up to 0.6% growth in Q4 2015 from the previous estimate of 0.5%
 Japan's industrial output dropped 6.2% in February from the previous month, the most in 5 years, alongside weak retail sales
figures and the jobless rate inching up to 3.3%
Finally, crude prices retreated after Saudi Arabia stated that they would not freeze oil production unless Iran agreed to do the same,
alongside a report showing a build-up in US crude inventories.
Performance of major stock market indices
Weekly Market Overview
Performance of major stock market indices
NASDAQ (+2.95%) Nikkei 225 (-4.93%)
UAE's ADX (+2.14%) Brent Crude (To: $38.67) (-4.38%)
Qatar All Share (+1.93%) JSE All Share (-1.41%)
S&P 500 (+1.81%) Gold (To: $1,212.38) (-0.67%)
Dow (+1.58%) Germany's XDAX (-0.58%)
Shanghai (+1.01%) Saudi's Tadawul (-0.54%)
Hang Seng (+0.75%) Sensex 30 (-0.27%)
FTSE 100 (+0.65%) France's CAC 40 (-0.17%)
The yield on 10 year US treasury
bonds fell by 10 bps to 1.79%, which
meant that prices went up during the
week

4. www.pic-uae.com Muhammad.awan@devere-acuma.com Mobile: 0558373992
PAGE 4 MUHAMMAD AWAN’S NEWS LETTER
Sr. No 1 2 3 4 5 6 7
Project
Name
Horizon Royal Victoria
Residences
Fifteen
Lansdowne
Stoneham Richard Quartier Rivergate House Frankie Apartments
Location Ilford, UK Royal Victoria, UK Croydon, UK Brisbane, Australia Berlin, Germany Wilburn Wharf,
Manchester
Melbourne, Australia
Starting
Price
All 1 bed rooms sold
out. Lowest 2 bed
unit now at £ 417,000
Only one unit of a 1
bed is available at £
470,000
Lowest 1 bed unit
at £ 353,000
Lowest 1 bed units
at AUS $407,500
€167,614 Lowest 1 bed unit at
£ 196,000
Lowest 1 bed unit at
AUS $425,000
No. of
Units
Available
10 29 22 (8 one bed
rooms)
38 (5 one bed
rooms)
3 28 (5 one bed rooms) 23 (3 one bed rooms)
Typical
Loan to
value
Upto 70% Upto 70% Upto 70% Upto 70% & upto
80% for Australian
citizens
45% Upto 70% Upto 70% & upto 80% for
Australian citizens
Payment
plan
10% on exchange,
5% 12 weeks later,
rest on
completion.
10% on exchange, 5%
12 weeks later, rest on
completion
10% on
exchange, 5% 12
weeks later, rest
on
completion
10% on
exchange,
balance on
completion
15% at notarization
deposit, 15% after 12
weeks,
10% next 12 weeks.
Balance of 60% from
equity and
mortgage to be paid
within 24 weeks
10% on exchange, 5%
12 weeks later, rest on
completion.
10% on exchange, balance
on completion
Completi
on date
Q2 2018 Q4 2017 Q1 2017 October 2017 Q4 2016 Q4 2016 Q2 2017
Rental
Guarante
e
5% for 2 years 4% for 2 years - - - - 5% for 2 years
Key
highlights
 Crossrail effect.
 Increase in demand in
fringe areas due to high
prices in Central London
 5% gross rental guarantee,
valid on reservations
made before 19th
Feb
 Upcoming -
Asian Business
Hub.
 A minute away
from Royal
Victoria DLR
Station
 8 mins into
Canary Wharf
 4% gross rental
guarantee,
valid on
reservations
made before
19th
Feb
£5.25bn of
combined
private
investment
 East Croydon
to London
Victoria only
16 minutes
and to
London
Bridge only
18 minutes
 Croydon offers
excellent
transportation
links to
Central, East
and South
London as
well as
Gatwick
Airport and
Brighton
 Westfield
Shopping
Centre
 Favorable
currency play
US v’s Aus$
 High potential
for business
growth as
operating cost
is low.
 Cheaper than
Melbourne &
Sydney.
 Fastest
growing
matured city
in the world
with expected
GDP of 5%
pa.
 Top
Universities
 Being the Capital
of Germany, now
boasts the highest
employment
growth with over
all high increase
in population
 Rising price due to
high demand.
 Average rents
rising by 12.5%
pa. CBRE
identifies
Richardkiez as
one of Berlin’s
top five up-and-
coming
neighborhoods
 New riverside
community located
600m from
Spinningfields, the
financial heart of
the city (home to
Barclays, BNY
Mellon, HSBC,
RBS)
 Key areas of
Manchester such as
Castlefield and
Deansgate within a
10-15 minute walk
 Mixed-use project
comprising of
apartments,
commercial space,
landscaped gardens
and a renewed
promenade along
the River Irwell
 Most active and well
renowned
developer in
Manchester.
 Core regional city -
decentralizing
power to the heart
of the Northern
Powerhouse with
an elected mayor in
2017
 Dynamic and
strengthening
economy -
additional 110,000
jobs to being
created from 2014-
2024
 High demand -
private renting
grew by 436% from
2001-2011
 Undersupply -
55,000 units need
to be delivered by
2027 to meet
demand
 The UK’s buy to let
hotspot – average
yields of 6%
 Melbourne is world’s most
liveable city
 Business , culture and
recreation hub of Australia
 Home to 5 of Australia’s
top 25
universities including
University of
Melbourne and Monash
University
 Consistent Market growth
 Rising population causing
an increase in demand
 Favorable AUD
Development details:
8.7km, 17 min drive to
Melbourne CBD
• Upscale development with
modern design
• Adjacent to a golf course,
offering fantastic
open views from most
apartments
• Solid transport links –
walking distance to
Yarraville train station
For
Brochure
Please click here Please click here Please click here Please click here Please click here Please click here Please click here
Property Investment News
IP Global has announced some great properties list and here is a breakdown of what
completion dates etc they have.

5. www.pic-uae.com Muhammad.awan@devere-acuma.com Mobile: 0558373992
PAGE 5 MUHAMMAD AWAN’S NEWS LETTER
Upcoming Events
How to make the best of your time here in Dubai?
DO’S and DON’TS
Pay yourself first.
Include savings in your budget.
Investing is a good start (it prevents you from buying things you don’t need, like more expensive cars or accommodation).
Think of it as rescuing the old man/woman (you in future) from the follies of the young man/woman, (you today).
Saving between 15-20 per cent of your pay is a good guide.
Tax yourself
Have emergency funds – normally three month’s salary — in a deposit account
Diversify. Do not to put your ‘eggs in one basket’. Hierarchy of diversification: a) Cash in the bank is secure and accessible; 2) owning a
property, which generally increases in value; 3) combine other assets classes such as stocks and managed fund, as these offer good
long-term growth potential
Take financial advice. This is important to get a wider view of the options available for you (insurance, mutual funds, stocks, or a mix of
these)
Live for today, but also plan for tomorrow. Life is about balance. Enjoy your time in Dubai, but work on personal financial plan
Balance your own interests against your family’s demands/needs.
Don’t buy a new car on mortgage, especially if your existing one still works fine
HOW TO INCREASE YOUR SAVINGS
• Consider saving as a mandatory expense
• Open a savings account that’s harder to get to than your checking account
• Systematically (monthly) save to that isolated account on a regular basis
• Pair your raises with increase in savings
• Set milestones with rewards
• Write down expenses in three to six-month goals
• See where your money is going (A daily coffee may cost you only Dh12, but if you add that up over a one-year period, this could set
you off Dh5,400)
Before buying electronics, jewellery or fashion items on impulse, wait 30 days (you might realize you don’t need those things at all. This
could save you thousands by the end of the year)
WHY IS INSURANCE IMPORTANT?
• There many types of insurance, but basic protection should cover income (or loss of it), health, life and investments. Buy insurance that
works for you
• Some insurance packages also offer investment-like features, allowing you to gain from market growth while protecting yourself and
loved ones
Investor Tip of the Week
deVere Acuma Family Fun Day
Date: Friday 22th April 2016
Time: 15:00 – 19:00
Venue: Jumeriah Beach hotel
Dress code: Casual
Capacity: Limited Availability first come basis
Muhammad Awan | MBA | MSc
(BY REFERRAL ONLY)
Associate Wealth Consultant
Professional Investment Consultants
2201 Marina Plaza Office Tower
Emaar Drive Dubai Marina
Dubai, U.A.E
PO Box 75464
T: +971 4 310 9999
F: +971 4 392 7339
M: +971 5 583 73992
E: muhammad.awan@devere-acuma.com
W: www.pic-uae.com