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REVIEW SUMMARY

Investors Trust Platinum Investment Bond

Investors Trust is an international insurance company licensed and regulated by the Cayman Islands Monetary Authority.

Investors Trust specialises in the provision of medium to long-term investment-linked products tailored to meet the needs of investors around the world, and delivers a range of products including regular and single premium annuities, designed to suit various income levels.

With service offices established to support plan participants around the world but not in the UK, USA or EU, Investors Trust seeks to provide opportunities to its plan participants through access to the global financial markets. 
Overview
FAQ
Customer Reviews
Expert Verdict

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:

  1. Platinum Select 
  2. Platinum Plus

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:

  • Fund transfers are free up to 15 switches per year. 
  • Redemptions on a Platinum Plus Plan are subject to a structure fee of up to 1.5% during the first 12 months.
  • We would highly recommend reading the 'expert verdict' section of this review to learn why our experts gave Investors Trust's Platinum Investment Bond 2.5 out of 5 stars in their independent review.

 

 

The Pros

> Popular plan
> No policy fee

The Cons

> Risk of hidden commission
> Has the potential of being very expensive if not used correctly
> The product is not regulated in the EU
What are the benefits of the Platinum Investment Bond?

The benefits of the Platinum Investment Bond, as stated by Investors Trust, are as follows:

  1. Wide range of investment options.
  2. Get online access to your account.
  3. Safe and private custody of assets ensuring safety and protection.
  4. Investors Trust claims that the Platinum is very liquid.
  5. It has a feature that allows you to rebalance your portfolio online with the help of your financial adviser.
  6. You can receive regular income from the portfolio.
  7. There are different plans that are available in multiple currencies to choose from based on your needs.
What are the fund transfer charges for Investors Trust's Platinum Investment Bond?

The fund transfer is free of charge for both the types of Investors Trust's Platinum (Select and Plus).

Who can apply to the Platinum Investment Bond?

Investors Trust says that the Platinum Investment Bond is best suited to international investors who are 18 - 85 years old.

There are two types of Platinum plans available to them:

  1. Platinum Select and 
  2. Platinum Plus.

Their minimum contribution amount would be USD/EUR/GBP 10,000 or USD/EUR/GBP 100,000 based on which plan they choose.

We would recommend reading the expert verdict section of this review before making a decision.

Happy with the Platinum Plus

I am quite happy with the performance of the Platinum and the fee structure so far, it's doing what I wanted it to do and that maybe because I took advice from a regulated financial planner at the very beginning.

Expert assessment of Investors Trust's Platinum Investment Bond

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 £250,000 or more, we strongly recommend you seek a Second Opinion to ensure you are on track to get and keep the life you want.

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