BRIC GroupCreating modern investments with traditional values

B R A Z I L R U S S I A I N D I A C H I N A

BEST DEVELOPMENTBRAZIL

The Coral Lake & Beach Resortby BRIC Group

BRIC GroupBRIC Group

BRIC Group was established in 1996 in the Netherlands, with corporate addresses in the UK, and through the years has developed into a successful group of companies with offices in Brazil, Hungary and Spain and a growing network of partner and affiliates around the world.

When BRIC Group enters a real estate market they ally themselves with award winning partners, such as architects, lawyers, chartered surveyors and local associations, who intimately understand the market conditions, local traditions and customs. By doing so, we rapidly acquire an in-depth knowledge of current conditions, pricing, employment, supply and demand and above all, expectation.

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Contents

BRIC Mission

Who are BRIC Group investors?

What we do

Where we excel

Why BRIC?

Setting Your Expectations

BRAZIL

RUSSIA

INDIA

CHINA

Summary

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What we do Investment consultants advise institutional investors, foundations, not-for-profit organizations, high-net-worth individuals and financial intermediaries on what to do with their money. They help these clients determine the asset allocation that will enable them to reach their investment goals, In the process they recommend where their clients should invest, and what percentage of the client’s money should be directed to non-traditional, alternative investments such as real estate.Investment consultants work with investors and their advisors to analyze their investment goals. They need to understand the level of performance the investor expects and their sensitivity to risk. The consultants then develop a client profile that enables them to recommend an acceptable investment strategy for their clients.

After establishing the requirements of their clients and the appropriate allocation of funds across different locations, asset classes and investment strategies, investment consultants help implement their plan by identifying the opportunities that are most likely to meet the goals that have been established with the lowest downside risk. It’s also the investment consultant’s job to monitor how the investments they have recommended perform and provide advice and consultation of management and exit strategy.

strategy

Where we excel

As Wealth management professionals specialising in property development in the BRIC emerging markets, BRIC Group only recommends investment vehicles into which it has invested itself. As multi-discipline institutions fall to the wayside during troubled financial times, BRIC Group continues to successfully generate lucrative gains by sticking to what it understands.

By closely analyzing suitable markets within the BRIC countries, BRIC Group can pinpoint strategic market segments. On-going due diligence, which is performed at every stage, assists in ensuring that when we make recommendations to our clients, it is done with absolute clarity.

‘We put our money where our mouth is’

success

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Why BRIC?Why should I invest in BRIC Economy real estate investments rather than other types of commodities or stock indices?

In recent years, property speculation, especially in the tourist sectors, has been mostly driven by marketing companies who have purchased cheap land in remote locations and created the illusion of “the new Caribbean”. Unfortunately, without clear exit strategies other than sheer marketing power and a ‘fingers crossed’ attitude for the continued demand for cheap properties abroad by foreigners; there are now thousands of properties across the world that nobody wants or can afford, because they never realistically catered for the local market at a price they could afford.

The indices and commodity markets have, on the other hand, experienced huge fluctuations and have a tendency for high volatility that often runs parallel to the boom and bust periods of the US economy.

BRIC country real estate investments are based on sound, traditional fundamental concepts. When there is a shortage of real estate – housing, commercial or industrial – with local demand in prosperous and growing areas there is a genuine demand for new products. Before investing millions in a new project we ensure that there is a sustainable demand for our end-products by the local and national market. By doing so, we have a fundamental advantage over our competition, as we have sensible and logical exit strategies in place PRIOR to initiation, that have been meticulously researched by our local partners who understand the local market.

Generally speaking investors fall into three categories:

• Retired investors who are looking to consolidate their savings• Younger people investing for the future• High-net worth individuals who recognize that this is a great way to diversify their portfolios.

Many private and institutional investors are hedging their stocks by investing in land and properties in the emerging markets which have seen some impressive returns in recent years. Both private and institutional investors are realising that while the values of their residential and commercial property investment may have fallen over the last year or so, essentially, real estate in qualified locations will return to previous levels in the future where ever there is a strong local demand.

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Setting Your Expectations

This is an investment for the more passive investor; and setting reasonable expectations can make for a much more rewarding investment.

Successfully investing in overseas property embodies strategic planning. Entering the market at the right time, in the right location, at the right price is essential.

The BRIC countries are typically undervalued, but with rapidly evolving economies and improved landing techniques, these values are increasing. However the main advantage that overseas investors have is that they are more willing to invest in a development in the earliest of stages; unlike the local markets who prefer to invest in completed projects.

Even established markets such as the USA have become ludicrously undervalued given recent economic turbulence and have become a focal point for us at BRIC. Even though this market is outside of our typical geographic market, we cannot ignore the opportunities that it avails for our investors.

This leaves a window of opportunity for experienced investors to capitalize on local market conditions without excessive elements of risk.

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BRAZIL

Brazil is currently one of the world’s economic leaders with a solid and growing GDP, massive oil supplies, huge infrastructure improvements and extravagant amounts of Foreign Direct Investment (FDI) each year.

The Brazilian government continues to invest in industry, agriculture and tourism, which is increasing particularly in the north east of the country which is now the destination of choice, not only for a growing number of international visitors but also tens of millions of nationals. Personal debt is at a minimum due to high interest rates in preceding years, although the mortgage and personal loan market has expanded since 2009 when the SELIC reached an all-time low of 8.75%. The cost of living remains very affordable even though the world has suffered a recession; the SELIC has now risen to 12.5% (July 2011) in order to curb inflation and stabilize the Reais and this has assisted Brazil in building its self-sufficiency and prospering beyond all recognition.

Sam Zell, the billionaire real estate guru who has recently moved into the Brazilian property and mortgage industry, declared that Brazil “is the number one country in the world for investments”

Brazil has become the host nation for the 2014 FIFA World Cup and the 2016 Olympic Games. These tournaments, which lure the global press and spectators by the hundreds of thousands, have further incentivised the Brazilian government to encourage FDI and to expand its own investment levels in infrastructure, industry, tourism and housing.

The Financial Times stated that Brazil is the “Best place to put your money for the next 10 years”

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RUSSIA

As the largest country in the world, Russia has had a turbulent history of power struggles and for the most parts a weak and poor economy outside of the major cities. In recent years, spurred by huge mineral and oil/gas deposits and an even larger desire for change, Russia has finally thrown off the cape of communism and wholeheartedly welcomed capitalism.

Offering cheap labour, low land costs and improved infrastructure, Russia has slowly but surely reconsolidated itself as one of the world powers. By encouraging FDI and opening the doors to international business Russia is now an economic superpower as against previously, being a military superpower.

Aside from natural resources, Russia is renowned as being an agricultural country, mostly self sufficient in producing the basic crops and food products required; it now exports billions in produce each year.

The real estate market has performed well in recent years, as has the Russian stock market, although it went through a large correction last year, but by allying its trade agreements with the other BRIC countries, Russia will continue to attract investors in search of diversification.

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India saw $7 billion in FDI in the 2nd quarter if 2009, which led to projections of 7-8% growth in 2010; despite underlying concerns that this could develop into another bubble, final figures for 2010 showed a more than positive 10.4% growth. Forecasts for 2011 have been set at 8.2% in answer to a call for the government to slow down growth until the rest of the world is ready to support it on an ongoing basis, once the current financial crisis has fizzled out.

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Summary

As you take a deeper look at the investments offered by BRIC Group you will quickly realise that they are all structured to benefit from sound local and national foundations, with qualified exit strategies based on in-depth knowledge accrued from endless due diligence procedures. We are one of the few companies to invest its own money directly into projects and it is this self belief that continuously generates excellent profits for our clients.

B R A Z I L R U S S I A I N D I A C H I N A

BRIC GroupCreating modern investments with traditional values

BRIC Group reserves the right to change details, specifications and/or prices without prior notification.

BEST DEVELOPMENTBRAZIL

The Coral Lake & Beach Resortby BRIC Group

International: +34 952-810-711Brazil: +55 85-3267-2788

Hungary: +36 (1) 666-4230UK Freephone: 0800 006 2002

USA Freephone: (1) 0877-922-7421

Creating modern investments with traditional values

BRIC SpainCentro de Negocios Puerto Banus,Oficina 39, 29660 Nueva Andalucia,

Marbella, Spain

BRIC USA8131 Vineland Ave

No.341Orlando, Florida 32821

BRIC Hungary1027 Budapest, Bem rakpart 50

Hungary

BRIC BrazilAv. Dom Luis,1200 SLS, 1304 / 1305Torre 1 Business Ed. Patio Dom LuisMeireles, FortalezaCeara, Brazil

BRIC UK330 High Holborn, First FloorLondon WC1V 7QTUnited Kingdom