Who is this for?
This is for personal looking to invest with the flexibility to invest more than 75,000 USD/EUR or 50,000 GBP.
It can be used as SIPP (Self Invested Pension) or used as a savings pot for the future. The best part about it is, it has liquidity options
Growth Portfolio For Expats
| SECTOR | INVESTMENT MANAGER | INVESTMENT NAME | PERCENTAGE % |
| Global large cap blend equities | Morgan Stanley | MS Global Brands | 20 |
| Equities technology | Franklin Templeton | FT Technology | 18 |
| Fixed Interest | PIMCO | PIMCO Global Bond | 10 |
| Alternatives Emerging Markets | iShares | iShares MSCI Pacific ex Japan | 20 |
| Property indirect global | Henderson | HEN Horizon Global Property | 20 |
| Mixed Assets | BlackRock | BR Managed Index Portfolios – Growth | 5 |
| US equity | iShares | iShares S&P 500 | 5 |
| Cash | Cash Access | Cash Access | 2 |
Balanced Portfolio For Expats
| SECTOR | INVESTMENT MANAGER | INVESTMENT NAME | PERCENTAGE % |
| Global large cap blend equities | Morgan Stanley | MS Global Brands | 20 |
| Equities technology | Franklin Templeton | FT Technology | 10 |
| Fixed Interest | PIMCO | PIMCO Global Bond | 15 |
| Alternatives Emerging Markets | iShares | iShares MSCI Pacific ex Japan | 10 |
| Property indirect global | Henderson | HEN Horizon Global Property | 14 |
| Mixed Assets | BlackRock | BR Managed Index Portfolios – Moderate | 16 |
| U.S Equity | iShares | iShares S&P 500 | 8 |
| Fixed Interest Europe | Morgan Stanley | MS Euro Bond | 5 |
| Cash | Cash | Cash Access | 2 |
Conservative Portfolio For Expats
| SECTOR | INVESTMENT MANAGER | INVESTMENT NAME | PERCENTAGE % |
| Global large cap blend equities | Morgan Stanley | MS Global Brands | 15 |
| Asia fixed Interest | Franklin Templeton | FT Asian Bond | 6 |
| Fixed Interest Global | PIMCO | PIMCO Global Bond | 15 |
| Fixed Interest U.S | PIMCO | PIMCO U.S high yield | 18 |
| Property indirect global | Henderson | HEN Horizon Global Property | 5 |
| Mixed Assets | BlackRock | BR Managed Index Portfolios – Defensive | 16 |
| U.S Equity | iShares | iShares S&P 500 | 5 |
| Fixed Interest Europe | Morgan Stanley | MS Euro Bond | 15 |
| Cash | Cash | Cash Access | 5 |
Key Benefits For Exats
What it offers to expats?
- Stability, backed by major banks in tax-free offshore locations.
- A reputable company, that is backed has investor protection.
- The option, to be portable around the world for you.
Who can open an account?
Anyone that meets the minimum amount. Except for U.S and HK citizens.
What currency can the plans be in?
USD,GBP,EUR
Benefits of the plan
- Very competitive prices
- Simplicity
- Online access
- Liquidity
- Simple sign up
- Variety of currencies
- Relatively low lump-sum investment
The minimum amount
| Minimum Contribution | USD 75,000 / EUR 75,000 / GBP 50,000 |
| Top Up Minimum | USD 7,500 / EUR 7,500 / GBP 5,000 |
Can I surrender if I need cash?
| Surrender Charge 5 | Plan is free of surrender charges and it can be redeemed at any time you wish. |
| Free Partial Withdrawals | Free partial withdrawals available, but subject to maintaining the minimum Net Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000. |
Can I increase the premiums of my plan?
Yes, you can increase the premiums in the plan at an time. See illustration min amount 5000 GBP 7,500 USD/GBP
Can I decrease the plan?
Yes, similar to above, you can decrease what you put in, however, there are minimum amounts you must put in.
Can I change funds and how much?
Yes, you can the dealing is free and have a range of funds to select from please see
Can I do it my self and do I have online access?
Yes you can do it by yourself and you have complete online access, you will get a log in once you sign up. You will get monthly statements and updates. As well as 24/7 customer support.
What are the charges?
1% per year
| Policy Fee | USD 90 / EUR 90 / GBP 55 Quarterly |
What returns is it aiming for?
Refer to guideline portfolios returns
Can you change the funds?
Yes you can and is free of charge. It can be done online or though your introducer.
What company do we use and where are they regulated?
We use Investor trust and they are regulated in various world wide locations. See below for the full details on their website.
Terms & Conditions
1. Please refer to the Product Term Sheet for full details.
2. These fees are subject to change at the company’s discretion.
3. Should the Asset’s minimum dealing amount be higher than the product’s minimum dealing amount, the Asset’s minimum dealing amount will apply.
4. Surrender charges may apply, please refer to Product Term Sheet for more details.
5. Redemptions on an Access Portfolio Plus are subject to a minimum administration charge of 1% during the first 12 months.
Invest With Me
If you would like someone to help you with your investments and create this portfolio and manage it for you. Please fill in the form below and email it back to me and then I will ring you before we make any investments to make sure that you are the right risk level for the portfolio.
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If you would like to ask me any questions or speak to me, please email me at info@investmentsforexpats.com
