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.
Time Saver
Manage and control all investments under one holding vehicle
Flexibility
Free partial withdrawals 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 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 is designed to provide you with 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 opportunities2.
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.
One great product with 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
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 Amounts3 |
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 1 | 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 Charge 2 | NIL |
| Asset Transfer Charge 2 | 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. |
| Free Partial Withdrawals 4 | 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 |
| 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 Amounts3 |
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 1 | 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 Charge 2 | NIL |
| Asset Transfer Charge 2 | 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. |
| Free Partial Withdrawals 4 | 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 |
| 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 Amounts3 |
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 2 | NIL |
| Asset Transfer Charge 2 | NIL |
| Dealing Charges |
Stocks, ETFs, Funds and Structured Notes: USD 50 / EUR 50 / GBP 40 Bonds: USD 100 / EUR 100 / GBP 80 |
| 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. |
| Issue Age | 18 - 85 years |
| Guaranteed Death Benefit | 101% of Surrender Value |
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.