Single Premium Investing
Below is a brief summary of the range of
investment products we offer for clients looking for an alternative
to holding
large cash deposits in bank or building
society deposit accounts.
Within each category we also focus and highlight
further information on a specific product.
Single premium investing must be viewed over
the medium to long term time frame of 4-7 years, timing of
entry into the market can
be critical and
potential investors
should seek specialized advice on this form of investment. A personal
consultation is therefore essential.
For further information and an individual
financial review and recommendation contact us.
Protected and Guaranteed
Investment Bonds
These products have become increasingly popular
during the period of market stagnation post March 2000. There
are a number of product providers
in
the offshore market,
the major banks having now joined Insurance companies and other
financial institutions in designing their own variations
on the same theme
of capital protection and ‘limited’ market
participation. These investment vehicles offer guaranteed rates
of return for the more cautious investor and seek steady
and consistent performance
whilst
controlling downside risk. The minimum entry for these types of
contract is 25,000USD or 15,000GBP.
In our focused product from Scottish Life
International, the capital amount invested is limited to downside
exposure on a quarterly
rolling basis.
The maximum downside
exposure is 5%. Each calendar quarter has a predetermined level
of participation and any quarterly returns are locked in once
added. The Investor is able
to link to a selection of major world market indices.
Please click on the link below for key features of the
Scottish
Life International Secure Investment Portfolio
Offshore ‘Personalised’ Portfolio
Bonds
Also known by the shortened acronym ‘PPB” and
most often domiciled in one of the regulated environments
of the
British Channel Islands such as Guernsey or The Isle
of Man, International Insurance companies have been offering
these
commonly used investment vehicles for many years. The
application
process is reasonably straightforward, though money laundering
regulations are stringently adhered to and clients must
provide evidence of identity as well as the source of
the investment
capital. Nonetheless, still very much favored by expatriate
investors and suitable for those with a minimum 75,000USD
to place as a lump sum, with a minimum 5 year outlook
on returns.
Insurance companies offer an administration ‘wrapper’ or ‘bond’ around
this type of investment which can prove highly tax efficient.
Other advantages include cost effective charges, investment
trading discounts and flexible management of a wide portfolio
of stocks, shares and other assets.
Please click on the link below for key features of the
Generali International Professional Portfolio Bond
Offshore Redemption Bonds
The Redemption Bond is simply a variation
on the PPB highlighted above. Investors
with a capital lump sum from which they
wish to make future withdrawals on a regular basis
(e.g.
to fund school fee payments) may consider this arrangement
as part of their financial planning.
The major advantage is the 99 year holding
term of the investment and it is specifically
designed to minimize
tax payable as
well as securing the investment in the event of the
untimely death of the investor. Corporate
investors and individual
investors making provision for Inheritance Tax (IHT)
would be advised to consider this hybrid of the PPB.
Please click on the link below for key
features of the
Royal Skandia Executive Redemption Bond
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