Investors Trust
S&P 500 Savings Plan

Investors Trust is an international insurance company, specialising in medium to long-term unit-linked investment products for expats.  They are licensed and regulated by the Cayman Islands Monetary Authority.

The Investors Trust S&P500 Savings Plan is a contractual offshore regular savings plan.

If an investor fulfils the contractual terms they sign up to, the plan provides a guaranteed return at maturity of 140% of premiums paid, or the S&P500 market upside if greater.

The S&P500 Savings Plan was launched in 2004.  If you sign up to it you are contracted to save an agreed amount, from US$200 per month, on a regular basis for a fixed 15 year term. 

An Investors Trust S&P500 Savings Plan should not be taken out unless you fully intend to contribute for the full term agreed, and at the agreed premium payment frequency.

This savings plan is actually a regular premium life assurance scheme, issued under Investors Trust Assurance SPC’s Cayman Islands insurance license.

Your returns are linked to the S&P500 index, or the guaranteed return of 140% of premiums paid if higher, and there is no switching allowed.

If you miss more than 90 days’ premiums then your invested amount will just track the S&P500 and no guarantee will apply.

Investors Trust has a segregated portfolio structure in the Cayman Islands, which they say gives investors

                                                               “100% security via an independent third party custodians’ nominee trust account.”

 In terms of fees and charges, there is an annual administration charge, a policy fee and an asset management charge, as well as a bid/offer spread below US$6,000 per annum.

If you surrender early before the 15th anniversary, an early surrender charge applies.

There are no credit card charges on any card including Amex, and there aren’t any other hidden costs.

You can apply and manage your account online and in multiple languages.

This regular savings plan is structured very differently to most of the usual offshore contractual savings plans, but its underlying structure and guarantee mean that it is only suitable for lower risk investors.