Access Portfolio

ACCESS PORTFOLIO IS A LUMP SUM, OPEN-ARCHITECTURE, PORTFOLIO BOND PRODUCT THAT PROVIDES INVESTORS AROUND THE WORLD WITH FLEXIBLE SOLUTIONS THAT ADAPT TO THEIR INVESTMENT REQUIREMENTS.

Whether you are seeking growth, capital preservation or simply planning for retirement income, Access Portfolio provides you with both the flexibility and control to manage your wealth in a tax-efficient environment. With three different charge-structures to choose from, Access Portfolio can be adapted to suit your personal requirements making it easy for your financial adviser to tailor a portfolio that suits your needs.

REASONS TO INVEST IN

Access Portfolio

MULTIPLE CURRENCIES

Flexibility of selecting the charge-structure and policy currency denomination (USD, EUR or GBP)

INITIAL INVESTMENT

Accessible initial investment of USD 75,000 / EUR 75,000 / GBP 50,000
 

ONE HOLDING VEHICLE

Ability to efficiently manage and control all of your investments under one holding vehicle
 

&

ARRAY OF INVESTMENTS

Allowing you to purchase an almost unlimited array of investments, including Stocks, Bonds, ETFs, Mutual Funds and Structured notes

&

FLEXIBILITY

Free Partial withdrawals¹ and borrowing facility²
 

SECURE ACCOUNT ACCESS

24/7 access to portfolio valuations, online trading and transaction history via our secure account access website

ZERO CHARGES

No charges for currency exchange, asset transfers, custody or establishment
 

MULTI-LANGUAGE

Fast and convenient multi-language service and support
 

Summary of Product Details

Access Portfolio
5000
Currency: USD $ - EUR € - GBP £
Minimum Contribution:
USD 75,000 / EUR 75,000 / GBP 50,000
Minimum Contribution for Access Select:
USD 250,000 / EUR 250,000 / GBP 150,000
Top Up Minimum:
USD 7,500 / EUR 7,500 / GBP 5,000
Minimum Dealing Amounts1:
Funds: USD 5,000 / EUR 5,000 / GBP 4,000
Bonds: USD 10,000 / EUR 10,000 / GBP 8,000
No minimum dealing amount for Stocks, ETFs and Structured Notes
Establishment Charge: NIL
Administration Charge2:
0.45% quarterly (1.8% per annum) during the first 5 years. This charge will be calculated based on the higher of the premium paid or the account value.

For Access Select, this charge will only be calculated on the premium paid.
Policy Fee:
USD 180 / EUR 180 / GBP 112.5 Quarterly
Currency Exchange Charge3: NIL
Asset Transfer Charge3: NIL
Dealing Charges:
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40
Bonds: USD 100 / EUR 100 / GBP 80
Surrender Charge:
Equal to outstanding administration charges at the time of the surrender, based on the higher of the premium paid or the account value.

For Access Select, this charge will only be calculated on the premium paid.
Free Partial Withdrawals4:
Free partial withdrawals available, but subject to maintaining the minimum Net Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000.
Issue Age: 18 - 85 years
Guaranteed Death Benefit:
101% of Surrender Value
Access Portfolio
8000
Currency: USD $ - EUR € - GBP £
Minimum Contribution:
USD 75,000 / EUR 75,000 / GBP 50,000
Minimum Contribution for Access Select:
USD 250,000 / EUR 250,000 / GBP 150,000
Top Up Minimum:
USD 7,500 / EUR 7,500 / GBP 5,000
Minimum Dealing Amounts1:
Funds: USD 5,000 / EUR 5,000 / GBP 4,000
Bonds: USD 10,000 / EUR 10,000 / GBP 8,000
No minimum dealing amount for Stocks, ETFs and Structured Notes
Establishment Charge: NIL
Administration Charge2:
0.30% quarterly (1.2% per annum) during the first 8 years. This charge will be calculated based on the higher of the premium paid or the account value.

For Access Select, this charge will only be calculated on the premium paid.
Policy Fee:
USD 180 / EUR 180 / GBP 112.5 Quarterly
Currency Exchange Charge3: NIL
Asset Transfer Charge3: NIL
Dealing Charges:
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40
Bonds: USD 100 / EUR 100 / GBP 80
Surrender Charge:
Equal to outstanding administration charges at the time of the surrender, based on the higher of the premium paid or the account value.

For Access Select, this charge will only be calculated on the premium paid.
Free Partial Withdrawals4:
Free partial withdrawals available, but subject to maintaining the minimum Net Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000.
Issue Age: 18 - 85 years
Guaranteed Death Benefit:
101% of Surrender Value
Access Portfolio
Plus
Currency: USD $ - EUR € - GBP £
Minimum Contribution:
USD 75,000 / EUR 75,000 / GBP 50,000
Top Up Minimum:
USD 7,500 / EUR 7,500 / GBP 5,000
Minimum Dealing Amounts1:
Funds: USD 5,000 / EUR 5,000 / GBP 4,000
Bonds: USD 10,000 / EUR 10,000 / GBP 8,000
No minimum dealing amount for Stocks, ETFs and Structured Notes
Establishment Charge: NIL
Administration Charge:
0.25% quarterly (1.00% per annum) for the duration of the Policy, based on the account value.
Policy Fee:
USD 90 / EUR 90 / GBP 55 Quarterly
Currency Exchange Charge3: NIL
Asset Transfer Charge3: NIL
Dealing Charges:
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40
Bonds: USD 100 / EUR 100 / GBP 80
Surrender Charge5:
Plan is free of surrender charges and it can be redeemed at any time you wish.4
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.
Issue Age: 18 - 85 years
Guaranteed Death Benefit:
101% of Surrender Value

1. Should the Asset’s minimum dealing amount be higher than the product’s minimum dealing amount, the Asset’s minimum dealing amount will apply.
2. Please refer to the Product Term Sheet for full details.
3. These fees are subject to change at the company’s discretion.
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.


RESOURCES

Document Library

Below you will find all marketing and administrative resources for Access Portfolio

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Product Brochure

Access Portfolio
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Product Profile

Access Portfolio
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Product Video

Access Portfolio
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Product Presentation

Access Portfolio
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Digital Flyer

Access Portfolio
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Online Access Guide

Access Portfolio
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Asset Transfer Guide

Access Portfolio