Principal Protected

Principal protection derived from structured notes provided by highly rated financial institutions

No Downside Risk

Ability to participate in stock market growth without the downside risk

Flexible Solutions

Flexibility to choose a plan that fits individual needs with 10, 15 and 20 year options

Worried about Market Fluctuations?? Worry no more with a minimum Guaranteed return on top of the Capital Protection!

• 10 Year version

100% return or S&P500 return if higher

• 15 Year version

140% return or S&P500 return if higher

• 20 Year version

160% return or S&P500 return if higher

There are various reasons why saving on a regular basis into an offshore savings plan is beneficial and should be considered as part of a person’s wealth management plan.  Three key ones are:

• Dollar Cost Averaging
• A Clear plan/strategy
• Tax efficiency

It is far too easy for people to neglect their savings where they do not have a strict plan set out in front of them.

The key is to “Pay yourself first and spend later”. This is the concept of ensuring your bills/expenses are covered, your savings plan is funded and THEN you spend on your more luxury expenses.

The plan participant owns the wrapper which is directly linked to the value of the underlying asset(s).

As the plan participant does not own the assets directly, they benefit from what is known as “Gross Roll Up“.

The effect of gross roll up is that tax is deferred until the client makes a crystallizing event (withdrawal/surrender/claim) and as such allows the assets to grow more efficiently with a large compounding effect where taxes are not being paid regularly.