Access Portfolio is a Lump Sum, open-architecture, portfolio bond product that provides investors around the world with flexible solutions that adapt to their 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 products 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.
Your Plan, Your Timeline
The flexible structure empowers you to tailor your coverage to fit your unique needs. Choose any duration between 3 and 10 years and even select the specific date when administration charges will end. Whether it’s aligning with your child’s 18th birthday or your planned retirement date, you have the control.
Enjoy the benefit of decreasing annual administration charges based on the length of your plan. The longer you hold the product, the lower your annual charges, ensuring you receive a rate that suits your comfort level. This flexibility allows you to design a product that perfectly matches your individual requirements, providing you with both control and peace of mind.
Time Saver
Manage and control all investments under one holding vehicle
Flexibility
Free partial surrenders and access to liquidity
24/7 Access to Portfolio
Access to online trading and transactions via our secure account access
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, 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 with 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 surrenders1 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 a timing difference could affect your ability to take advantage of market opportunities.2.
1. Subject to maintaining a minimum Cash Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000. Please refer to the products details and the policy terms and conditions for more information.
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 Cash Surrender Value. Interest rates and lending limits are subject to change.
Key Features
Product Details
| 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 |
| 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 2 |
This charge will vary between 0.58% per quarter (2.33% per annum) for a Policy Term of 3 years and 0.25% per quarter (1.00% per annum) for a Policy Term of 10 years depending on the selected Policy Term. 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 Charge 3 | NIL |
| Incoming Asset Transfer Charge 4 | NIL |
| Dealing Charges |
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40 Bonds: USD 100 / EUR 100 / GBP 80 |
| Surrender Charge |
The initial surrender charge will vary between 7.00% for a Policy Term of 3 years and 10.00% for a Policy Term of 10 years depending on the selected Policy Term, declining to zero at the end of the Policy Term. This charge will be calculated based on the higher of the Premium paid or the Account Value. |
| Free Partial Surrenders 5 | Free partial surrenders 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 |
| Topic | Detail |
|---|---|
| Currency | USD $ - EUR € - GBP £ |
| Minimum Contribution | 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 Charge 2 |
This charge will vary between 0.58% per quarter (2.33% per annum) for a Policy Term of 3 years and 0.25% per quarter (1.00% per annum) for a Policy Term of 10 years depending on the selected Policy Term. This charge will be calculated based on the Premium paid. |
| Policy Fee | USD 180 / EUR 180 / GBP 112.5 Quarterly |
| Currency Exchange Charge 3 | NIL |
| Incoming Asset Transfer Charge 4 | NIL |
| Dealing Charges |
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40 Bonds: USD 100 / EUR 100 / GBP 80 |
| Surrender Charge |
The initial surrender charge will vary between 7.00% for a Policy Term of 3 years and 10.00% for a Policy Term of 10 years depending on the selected Policy Term, declining to zero at the end of the Policy Term. This charge will be calculated based on the Premium paid. |
| Free Partial Surrenders 5 | Free partial surrenders 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 |
| 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 |
| 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 Charge 3 | NIL |
| Incoming Asset Transfer Charge 4 | NIL |
| Dealing Charges |
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40 Bonds: USD 100 / EUR 100 / GBP 80 |
| Surrender Charge |
Initial Surrender charge is 1%, declining daily to zero at the end of the first year. This charge will be calculated based on the higher of the Premiums paid or the Account Value. |
| Free Partial Surrenders | Free partial surrenders 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. Free of charge for the first 20 incoming assets transferred. Any assets transferred in excess of the first 20 will be charged USD 50/EUR 50/GBP 40 per asset based on the currency of the asset.
5. Surrender charges may apply, please refer to Product Term Sheet for more details.