Investors Trust S&P 500
Index Savings Plan

The Investors Trust S&P 500 Index savings plan is a contractual offshore regular savings plan.

Investors Trust S&P 500 Index plan provides investors access to 500 leading stocks representing the most widely held companies from all sectors of the economy.

They claim that the plan provides principal protection derived from structured notes provided by highly rated financial institutions and the ability to participate in stock market growth without the downside risk.

The Investors Trust S&P 500 Index also provides the flexibility to choose a plan that fits your individual needs with 10, 15 and 20 year term options.

The key features of the S&P 500 Index savings plan are as follows:

• The S&P 500 Index is a regular contributions plan.
• The plan is only available in one currency, that is USD ($).
• Investors Trust claims to offer 100% participation in the growth of the S&P 500 Index.
• The available investment terms of the S&P 500 Index savings plan is 10, 15, and 20 years.
• The plan is marketed as 'principal protected'.

Let's have a brief look at what exactly the Investors Trust S&P 500 Index savings plan entails:

The S&P 500 Index savings plan also allows for free partial withdrawals after the completion of the initial period, subject to maintaining USD 2,400 surrender value (while free partial withdrawals are available, they negate the guarantee).

The charges of Investors Trust S&P 500 Index can be summarised below:

NOTE:

• Monthly payments are only available with credit cards and direct debit.
• There are a lot of exceptions to their guaranteed protection. This protection includes loyalty bonuses. All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, to qualify for guarantee. The underlying principal protection is derived from structured notes provided by highly rated financial institutions. The investor is facing issuer/counterparty risk of these institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. 
• All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, for the loyalty bonus to take effect. Loyalty bonus will be paid after years 10, 15 and 20. The S&P 500 10 year plans are not eligible for loyalty bonus.
• We would highly recommend reading the 'expert verdict' section of this review to make an informed decision.

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