Investors Trust's Fixed Income Portfolio is issued under Investors Trust’s Cayman Islands insurance license.
You can choose from three term options of either three, five or fifteen years, and there is a guaranteed fixed return depending on the term of the plan you choose.
The guarantee is generally higher than the current bank deposit rates in US dollars.
Small amounts of capital, from US$10,000, can be invested into a tax efficient offshore structure through the Investors Trust Fixed Income Portfolio.
Returns never fluctuate from the guarantee issued at the outset of the policy, so this Fixed Income Portfolio is designed for lower risk investors.
Returns are net of all charges, except for a $7 per month policy fee.
The policies, due to their investments, have a fixed contractual term. It is therefore not advisable to encash these plans early, as they will be subject to early surrender penalties.
Investors Trust state that they have a segregated portfolio structure in the Cayman Islands, which gives investors “100% security via an independent third party custodians’ nominee trust account.”
There is no switching available in the Fixed Income Portfolio, it is simply linked to a low risk basket of assets managed by Investors Trust.
You can apply for and manage your Fixed Income Portfolio online and in multiple languages.
Investors Trust Fixed Income Portfolio Key Features
3 YEAR FIXED RATE LUMP SUM PLAN
CURRENCY: USD
MINIMUM CONTRIBUTION: USD 10,000 per annum
INTEREST RATE: Refer to Investors Trust Website for latest rate
INVESTMENT TERM: 3 years
PRINCIPLE PROTECTION: 100%
ADMINISTRATION CHARGE: NIL
POLICY FEE: USD 7 per month
5 YEAR FIXED RATE LUMP SUM PLAN
CURRENCY: USD
MINIMUM CONTRIBUTION: USD 10,000 per annum
INTEREST RATE: Refer to Investors Trust Website for latest rate
INVESTMENT TERM: 5 years
PRINCIPLE PROTECTION: 100%
ADMINISTRATION CHARGE: NIL
POLICY FEE: Zero year 1. USD 7 per month after
15 YEAR VARIABLE RATE REGULAR CONTRIBUTION PLAN
CURRENCY: USD
MINIMUM CONTRIBUTION: USD 2,400 per annum
INTEREST RATE: 12-Month US LIBOR +1.5% per annum : Minimum rate 3.5% : Maximum rate 6%.
INVESTMENT TERM: 15 years
PRINCIPLE PROTECTION: 100%
ANNUAL ADMINISTRATION CHARGE: 1.125%
POLICY FEE: Zero year 1. USD 7 per month after
