protected investments presentation

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'What to invest in, Why, When & How!' from

PIC Europe s.a.

with Colin MacGregor

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Agenda

What to invest in

Why should we invest money

When will be the right time to invest?

How (safely)?

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We all remember this………..

PIC Europe s.a.

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Housing market crash

5PIC Europe s.a.

Nothing New…

Source, Micropal, data from 1st October 93 To 1st December 08, Bid-Bid, Gross, Based In US Dollar, Calculation Indexed. Off-bid uses actual prices. Curr-chg uses bid-bid adjusted for current spread. The value of your units may go down as well as up. Past performance is notnecessarily a guide to the future.

6PIC Europe s.a.

Where are the Investment Opportunities – Wealth Creation!

Source: DataStream, IMF. Industrial = Austria, Australia, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy,Japan, Luxembourg, Netherlands, Norway, New Zealand, Portugal, Spain, Sweden, Switzerland, UK, USA

Emerging Countries >

Industrial countries

7PIC Europe s.a.

Where are the Investment Opportunities – Consumption!

Source: CLSA

Private cars per 100 urban households

0.30.5

1.4

2.2

3.4

4.0

0

1

2

3

4

5

1999 2000 2003 2004 2005 2006e

8 PIC Europe s.a.

Where are the Investment Opportunities - In India?

The Cheapest Car in the World

•3 metres long,

•Seats four comfortably or five at a squeeze,

•Does 65mph

•100,000 rupees (£1,300) – the same price as the DVD player in a Lexus.

9PIC Europe s.a.

Where are the Investment Opportunities – Urbanization!

Source: United Nations Department of Economics and Social Affairs, 2005

10PIC Europe s.a.

Conclusion

Key investment drivers remain intact

•Demographics

•Globalisation

•BRIC

A portfolio of uncorrelated assets should delivergreat performance over the investment cycle

11PIC Europe s.a.

Why?

Council pension deficit set to double

“The pension deficit for local councils in England and Wales could hit £60bn this year.” Liberal Democrats said

Government - warnings

“The number of pensioners is growing at an unprecedented rate. This has created a gap of 10.4 billion CZK (roughly 400 million EUR) in the social security budget......” Petr Holub

Czech pension system collapsing: budget gap widens

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How ?(but safely)

Protected Funds

– doing what they say on the tin

14PIC Europe s.a.

Global Equity Capital Protector Fund

Source: Bloomberg. As of 1st December 2008. Past performance is no guide to future performance.

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When?

Now is good, ten years ago even better……

I’ve workedreally hard..

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When is the right time to invest?

£500 per month invested at 9%30 year old retires at 60 with £761,000 or £68,400 per

annum

40 year old retires at 60 with £276,000 or £24,900 per annum

(or could invest £1,347 pm)

50 year old retires at 60 with £81,000 or £7,290 per annum

(or could invest £4,577 pm)

“The follies which a man regrets most in his life are those which he didn't commit when he had the opportunity” Helen Rowland

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Next Move …….

Complete forms

Take money

Retire where and when you planned

…comfortably