THE RICHER RETIREMENT SPECIALISTS

CORPORATE BOND WITH 95% CAPITAL GUARANTEE

LISTED

BOND

a Minimum £10,000a Rate of return 9.85% per annuma Listed on recognised stock exchangea Returns paid annually in arrearsa ISA, SIPP, SSAS and QROPS approveda Restricted investment subject to status

WHY WE LIKE IT

“Proven business model, market leading rate of

9.85% and the 95% capital guarantee seals the deal”

The company is a Gibraltar based Limited Partnership specialising in the global loan markets, with their primary focus being the international short-term consumer finance sector.

Due to the almost infinite requirement of funding of the sector, the company is uniquely placed to loan capital and receive above average rates of return, with minimal risk.

The company has in-depth knowledge of the operators in the sector, and has taken time to evaluate the more technologically advanced, ethical and well-administered companies to partner with.

In return, these short-term lenders have grown to rely on the funding source provided by the company. An excellent synergistic relationship has now been cultivated between the company and its corporate borrowers.

F FIXED INCOME: Yes.

See Key Features for rates.

R REGULAR HIGH INCOME: Yes.

Income paid annually in arrears.

E EXIT STRATEGY: Yes. Sell at any time with

30 days notice. 5% capital penalty.

S SECURITY: Yes.

Has a 95% capital guarantee, insurance backed

H HANDS OFF MANAGEMENT: Yes.

No involvement needed.

F.R.E.S.H. INVESTMENT

RECOGNISED STOCK EXCHANGE STATUS

THE MARKETShort-term loans are an American phenomenon that has steadily been growing in the UK and other European markets. The premise is that they offer relatively small sums (usually up to $500) for a short-term loan for around two weeks.

In the US alone it is estimated that 25% of the population (70 million people), regularly use these services. And while profits from the sector are hard to quantify, some experts believe the figure to be as high as $25 billion annually.

THE OPPORTUNITYThis is a British Pound denominated secured medium term note / tailored specifically for the investment and pension market, and in particular ISA, SIPP, SSAS and QROPS.

SECURITY – A ‘BELT AND BRACES’ APPROACHThe company works closely with multinational insurance companies. In general terms 95% of all utilised capital is fully insured against fraud, forgery, I.T. failure, counterfeit documentation and a host of other industry related risks. In addition 95% of the capital is insured against business model failure.

KEY FEATURESMINIMUM £10,000

ANNUAL RETURNS (NET BEFORE TAX) 9.85% paid every 12 months.

CAPITAL GROWTH POTENTIAL No

OPTION TO ‘ROLL UP’ INTEREST? No

LOCATION Global

INVESTMENT TERM 5 years, but can sell at any time at 30 days notice subject to 5% penalty.

INVESTMENT TYPEIndirect participation. This is a corporate bond.

CURRENCY GBP

SPECIAL FEATURES - Listed on recognised stock exchange.- Liquid can sell at any time with 30 days notice.- 95% capital guarantee.

AVAILABLE TO CASH INVESTORS? Yes, including ISA investors.

AVAILABLE TO PENSION INVESTORS? Yes (subject to IFA approval).

INVESTMENT RISK - Bond issuer defaults- Change in regulation

HOW IT WORKSTaking an investment of £100 as an example. 95% of this is insured against loss.

The investor is issued with a loan note for £100. From the £100, £20 is paid by the company towards the insurance that provides the 95% capital guarantee. The company then loans the remaining £80 to the U.S.A. based short-term lender at a rate of 50% per annum.

The short-term lender pays interest to the company at a rate of 12.5% per quarter on the original £80 loan. The short-term lender repays the capital amount of £80 on the redemption day. In turn the company pays the investor 2.4625% per quarter on the original £100, and refunds the original £100 to the investor on the loan note redemption date.

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

FIND OUT MORE

FREEPHONE: 0800 612 0880 LANDLINE: 01273 447 299

INVEST@AVANTISWEALTH.COM WWW.AVANTISWEALTH.COM

INTEGRITY – HONESTY – RESPECT – RESPONSIBILITY