Investors Trust claims that the Platinum Investment Bond provides investors with access to a range of mutual funds and is designed to tailor each investment portfolio to meet unique requirements.
The Platinum Investment Bond is supposed to offer you the ability to change your investment portfolio at any time. Your portfolio can be rebalanced to suit your current needs and if you prefer, you can make changes to your portfolio online.
Those investors wishing to receive periodic income can structure their plan to receive a preset income stream from their portfolio.
Investors Trust's Platinum also offers the option of borrowing against your investment portfolio.
There are two types of Platinum investment products offered by Investors Trust:
Let's have a look at their individual features and charges.
1. Platinum Select:
The features of Investors Trust's Platinum Select are as follows:
|
Topic |
Description |
| Currency Options | USD $ - EUR € - GBP £ |
| Minimum Contribution Amount | USD/EUR/GBP 10,000 |
| Minimum Increase | USD/EUR/GBP 2,500 (As Rider) |
| Issue Age | 18 - 85 years |
| Guaranteed Death Benefit | 101% of Surrender Value |
The charges of Investors Trust's Platinum Select can be summarised below:
|
Charges |
Description |
| Policy Fee | NIL |
| Administration Charge | 0.4% quarterly (1.6% per annum), years 1 - 5 |
| Structure Fee | 0.3% quarterly (1.2% per annum) |
| Fund Transfer Fee | Free |
| Surrender Charge | End of year 1 - 6.4% End of year 2 - 4.8% End of year 3 - 3.2% End of year 4 - 1.6% End of year 5 - 0% |
Free partial withdrawals are also available but subject to maintaining the minimum cash surrender value of USD/EUR/GBP 2,500.
2. Platinum Plus:
The key features of Investors Trust's Platinum Plus are:
|
Topic |
Description |
| Currency Options | USD $ - EUR € - GBP £ |
| Minimum Contribution Amount | USD/EUR/GBP 100,000 |
| Issue Age | 18 - 85 years |
| Guaranteed Death Benefit | 101% of Surrender Value |
The charges applicable on Investors Trust's Platinum Plus are as follows:
|
Charges |
Description |
| Policy Fee | NIL |
| Structure Fee | 0.125% monthly (1.5% per annum) |
| Fund Transfer Fee | Free |
The Platinum Plus plan is free of Surrender charges and can be redeemed at any time convenient for you.
NOTE:
Additionally, here's a free guide that can help you achieve better results. In this guide, you'll learn:
Used in the right circumstances, offshore bonds can provide attractive tax benefits.
However, in many instances, they can be mis-used by commission based salespeople to extract high levels of commission.
The product is not regulated in the EU, so we would not recommend it. The Platinum Investment Bonds are similar to many such products in the marketplace and can be an expensive option in the wrong hands.
We believe that they are outdated and aimed at the commission sales market.
Investors Trust is based in a low enforcement regulatory regime, and as a small cell-based company, we question what would happen if the company got into financial difficulties.
If you already have an Investors Trust Platinum Investment Bond, and it is worth £500,000 or more, we strongly recommend you seek a Second Opinion to ensure you are on track to get and keep the life you want.
