- Knowledge Centre
Investors Trust is licensed and regulated by the Cayman Islands Monetary Authority.
The Cayman Islands has a sovereign credit rating of Aa3(AA-), and do not levy direct taxes. Investors Trust say:
"investments held in the Cayman Islands can be tax efficient, depending on the country of residence of the individual investor."
Investors Trust specialises in the provision of medium to long-term investment-linked products, tailored to meet the needs of investors around the world. It delivers a range of flexible, tax-efficient products, including regular and single premium annuities, designed to suit various income levels and financial planning needs.
With service offices established to support plan participants around the world, but not in the USA, Investors Trust seeks to provide opportunities to its plan participants through access to the global financial markets.
Investors Trust has asked us to confirm it is not a platform provider - but an insurance company - however, it does offer an open architecture Portfolio Bond solution, through which funds, Stocks, ETFs, etc can be purchased, similar to other platform providers.
Investors Trust is not a large company by international standards. It is based out of Cayman, a well-known offshore jurisdiction described as offering a low-tax, regulation-light environment.
Investors Trust Assurance SPC informs us (in relation to client asset segregation) that it has been offering:
"specialised in investment-linked insurance products since 2002. As Investors Trust Assurance SPC is set up as a Segregated Portfolio Company, all client assets are isolated, or held in individual client level segregated portfolios (administered by highly rated Global custodians), from the company’s assets. The policyholder assets are therefore 100% protected from any company liabilities."
Investors Trust Assurance SPC is an insurance company that specialises in investment-linked insurance products, rather than a focused investment platform company or trust company.
All charges can be viewed on their website. We believe that in general, these products have the potential to be a poor choice for expats, given the risk and impact of costs.
Clients are encouraged to manage their investments within their insurance products through Investors Trust’s online platform. Some of their products have a limited range of 300 funds, however they do include 27 ETFs which no other insurance provider does. You can see the full list by clicking HERE.
ITA has a market leading online system, with 24/7 functionality for advisers and clients. The whole application process and all servicing is completed online, as well as all the policy management. It is also available in 7 languages. You can view their marketing documentation HERE.
This company offers unit-linked investment products, ranging from lump sum to regular savings plans of up to 25 years.
Within the platform there’s a selection of 15 well-known global asset management firms, and a range of global assets or securities to choose from. There are risk rated portfolios from both ITA and GAM, as well as 27 passive ETFs from iShares.
The platform’s basic ‘Evolution’ product is regular premium savings plan with a fixed term of between 5 and 25 years. According to the independent actuaries, Boal & Co, it is the lowest cost insurance savings plan on the market. They also offer other lump sum investments in their Plus range, which are open-ended with no lock-ins and no upfront commission.
Other products like the ‘Platinum’ apply surrender charges for the first 5 years.
The combined asset management fee and administration charges range from between 1.5% (if you have £100,000 or more invested) to 3.4% (for the first ten years at least) for lower level investors.
I was looking for an investment platform - and that's what I thought I was going to get after the first conversation with a broker...
I did my own digging thankfully.
This is NOT a proper investment platform - it's expenbsive and inflexible and not what I wanted.