PLA Platinum - The ultimate investment choice

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.



Investment Freedom
and Flexibility

Investors Trust’s open architecture platform provides you with significant investment freedom by spreading and varying your investments across a wide spectrum of asset classes and regional markets, giving you the power to purchase an almost unlimited array of investments, including Stocks, Bonds, ETFs, Mutual Funds and Structured notes.

You have the option to invest by transferring existing investment holdings into the portfolio at no cost, invest with cash or build your portfolio using a combination of both. There is no restriction on the number of investments you can choose for your portfolio, making it easy to combine the expertise of numerous investment managers to help you reach a performance that matches your objectives.

Liquidity

Access Portfolio has been designed to provide you the flexibility to change and adapt your investment choices as your needs and circumstances change, allowing you to have easy access to your money when you need it. With Access Portfolio, you have the ability to make free partial withdrawals1 from your portfolio whenever you choose to do so.

Additionally, Access Portfolio offers the flexibility of being able to borrow against your investment portfolio. A borrowing facility is useful for situations when timing difference could affect your ability to take advantage of market opportunities.2



One great product different options to choose from

Access Portfolio gives you the flexibility of selecting the plan with the charge-structure that will best suit your personal needs. By working together with your financial adviser, you can select the plan that works best for you, allowing you to make the most of your money.

Whether you choose Access Portfolio 5000 Series, Access Portfolio 8000 Series or Access Portfolio Plus, you can rest assured that our aim is to keep the charges to a minimum so you can get the most out of your investment while receiving the service that you expect.

Your financial adviser will provide you with detailed specifications of your selected plan, making you aware of all the charges that are taken from your investment.

Key Features
  • Tax-efficient portfolio bond structure
  • Open architecture platform that provides access to a wide spectrum of investment options
  • Flexibility to choose your plan currency from USD ($), EUR (€) or GBP (£)
  • No establishment charges
  • No charges for currency exchange or asset transfers
  • Instant, secure access to portfolio information and trading via the internet
Access Portfolio 5000 Series
Topic Detail
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
Establishment Charge NIL
Administration Charge3 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.
Policy Fee USD 180 / EUR 180 / GBP 112.5 Quarterly
Currency Exchange Charge4 NIL
Asset Transfer Charge4 NIL
Dealing Details5 The minimum amount to deal is USD 7,500 / EUR 7,500 / GBP 5,000 and there will be a charge of USD 30, EUR 30 or GBP 20 per transaction.
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.
Free Partial Withdrawals6 Free partial withdrawals available, but subject to maintaining the minimum Net Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000. Minimum surrender is USD 500 / EUR 500 / GBP 300.
Issue Age 18 - 85 years
Guaranteed Death Benefit 101% of Surrender Value

3. Please refer to the Product Term Sheet for full details. 4. These fees are subject to change at the company’s discretion. 5. Should the Asset’s minimum dealing amount be higher than the product’s minimum dealing amount, the Asset’s minimum dealing amount will apply. 6. Surrender charges may apply, please refer to Product Term Sheet for more details.

Access Portfolio 8000 Series
Topic Detail
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
Establishment Charge NIL
Administration Charge3 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.
Policy Fee USD 180 / EUR 180 / GBP 112.5 Quarterly
Currency Exchange Charge4 NIL
Asset Transfer Charge4 NIL
Dealing Details5 The minimum amount to deal is USD 7,500 / EUR 7,500 / GBP 5,000 and there will be a charge of USD 30, EUR 30 or GBP 20 per transaction.
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.
Free Partial Withdrawals6 Free partial withdrawals available, but subject to maintaining the minimum Net Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000. Minimum surrender is USD 500 / EUR 500 / GBP 300.
Issue Age 18 - 85 years
Guaranteed Death Benefit 101% of Surrender Value

3. Please refer to the Product Term Sheet for full details. 4. These fees are subject to change at the company’s discretion. 5. Should the Asset’s minimum dealing amount be higher than the product’s minimum dealing amount, the Asset’s minimum dealing amount will apply. 6. Surrender charges may apply, please refer to Product Term Sheet for more details.

Access Portfolio Plus
Topic Detail
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
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 Charge4 NIL
Asset Transfer Charge4 NIL
Dealing Details5 The minimum amount to deal is USD 7,500 / EUR 7,500 / GBP 5,000 and there will be a charge of USD 30, EUR 30 or GBP 20 per transaction.
Surrender Charge Plan is free of surrender charges and it can be redeemed at any time you wish.7
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. Minimum surrender is USD 500 / EUR 500 / GBP 300.
Issue Age 18 - 85 years
Guaranteed Death Benefit 101% of Surrender Value

4. These fees are subject to change at the company’s discretion. 5. Should the Asset’s minimum dealing amount be higher than the product’s minimum dealing amount, the Asset’s minimum dealing amount will apply. 7. Redemptions on an Access Portfolio Plus are subject to a minimum administration charge of 1% during the first 12 months.

1. Subject to maintaining a minimum cash surrender value of USD 15,000 / EUR 15,000 / GBP 10,000. Please refer to the products terms and policy for more details.
2. Borrowing facility is subject to prior approval and market conditions at the time of borrowing. The current maximum borrowing limit is up to 40% of the portfolio value. Interest rates and lending limits are subject to change.