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REVIEW SUMMARY

Investors Trust

Investors Trust is the global brand representing the ITA Group of companies.

Established in 2002 as an international insurance group, Investors Trust has expanded its reach with clients in more than 100 markets around the world and various office locations to serve a global audience.

Specialising in medium to long-term unit-linked investment products, Investors Trust offers a broad range of solutions specifically designed for international investors.

Investors Trust work in Cayman Islands, Malaysia and Puerto Rico with service points in Dubai, Hong Kong, Uruguay and a corporate support office in the U.S.

Overview
FAQ
Customer Reviews
Expert Verdict

Investors Trust's platform includes unit-linked investment products ranging from lump sum to regular savings plans of up to 25 years.

They primarily have two product types:

  1. Regular Savings
  2. Single Premium

Here is an overview of the plans available under each of Investors Trust's product types:

Regular Savings:

Evolution Fixed income S&P 500 Index MSCI INDEX
USD $, EUR €, GBP £ USD $ USD $ USD $
Low Minimum Amount 100% Principal Protected Principal Protected Principal Protected
5, 10, 15, 20, 25 Year Terms 15 Year Term 10, 15, 20 Year Terms 10, 15, 20 Year Terms
Loyalty Bonus & Extra Allocation Steady Income No Downside Risk Globally Diverse


Single Premium:

Platinum Fixed income Access portfolio
USD $, EUR €, GBP £ USD $ USD $, EUR €, GBP £
Wide range of investment options 100% Principal Protected No Establishment Charges
Lump Sum Plan 3, 5, 7 and 10 Year Lump Sum Plans Open Architecture Platform
Liquidity Steady Income Cost Effective Structure


NOTES:

  • Clients are encouraged to manage their investments within their insurance products through Investors Trust’s online platform.
  • 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 products like the ‘Platinum’ apply relatively high surrender charges for the first 5 years. 
  • Some of the products are set-up on an establishment fee basis, as they offer different charging structures largely linked to the amount of commission or earnings being taken by the third party salesman or adviser.
  • We believe that in general, these products have the potential of being a poor choice for international professionals, given the risk and impact of costs.

 

The Pros

> Good technology
> Strong brand name

The Cons

> Limited protection
> Uses salespeople to distribute rather than advisers
> High risk of hidden commission
Which asset management firms manage investments within Investors Trust's platform?
  1. AB
  2. iShares
  3. Morgan Stanley
  4. GAM
  5. Schroders
  6. Man group
  7. Investec
  8. Invesco
  9. Pimco
  10. Massachusetts Financial Services Company (MFS)
  11. Pictet
  12. Fidelity
  13. Blackrock
  14. Henderson Global Investors
  15. Franklin Templeton Investments
What are the main products available from Investors Trust?

They have 6 main products: -

  1. Evolution
  2. Platinum
  3. S&P 500 Index
  4. Fixed Income Portfolio
  5. Access Portfolio
  6. MSCI Index
 
What is Investors Trust's minimum contribution amount?

The minimum contribution amount would depend on the plan you choose and could change in the future. 

1. EVOLUTION:

  • Evolution: USD/EUR/GBP 1,200 per annum (5 year plans: minimum x 2)
  • Evolution Plus: USD/EUR/GBP 12,000 per annum
  • Evolution Select: USD/EUR/GBP 12,000 per annum

2. PLATINUM:

  • Platinum Select: USD/EUR/GBP 10,000
  • Platinum Plus: USD/EUR/GBP 100,000

3. MSCI Index: USD 2,400 per annum

4. S&P 500 Index: USD 2,400 per annum

5. FIXED INCOME PORTFOLIO:

  • 15 year variable rate: USD 2,400 per annum
  • 3,5,7,10 year fixed rate: USD 10,000

6. ACCESS PORTFOLIO: USD 75,000 / EUR 75,000 / GBP 50,000

What is the issuing age?

Investors Trust's issuing age is 18-85 years, except in these two plans, where it is:

  1. S&P 500 Index: 
    - 10 Year Term: ages 18 - 60
    - 15 Year Term: ages 18 - 55
    - 20 Year Term: ages 18 - 50
  2. MSCI Index:
    - 0 Year Term: ages 18 - 60
    - 15 Year Term: ages 18 - 55
    - 20 Year Term: ages 18 - 50
What is ITA Connect?

ITA Connect is the Investors Trust App.

Investors Trust announced the launch of their new mobile marketing app for managing business on the go and listed the below uses on its website:

  • Discover: Keeping you up to date and informed with latest company news.
  • Library: Convenient access to Investors Trust resources and marketing materials.
  • Resources: Interactive fund platform with search and filter capabilities.
  • Profile: Easily find your recent activity and saved materials for quick access to the resources you use most.

Not what I expected

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 and found that it's expensive and inflexible.

Expert assessment of Investors Trust

Holding money in the Cayman Islands can be risky simply because if something goes wrong, we are unsure of the recourse available.

We also wouldn’t want to invest with an insurance company – particularly one that looks like it is an investment platform – unless there was a specific tax reason for such a wrapper.

In our opinion, commission-paying insurance companies with opaque structures are unable to treat clients fairly.

If you hold any Investors Trust products, we recommend you get in touch with a professional adviser you can trust, or if your portfolio is worth approx. £250,000, contact us for a Second Opinion.

There are sometimes significant benefits to swapping out of such a plan into a lower cost investment vehicle, even if the surrender charges still apply.

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