Guaranteed income instruments always attract the attention of novice investors. However, many of them limit themselves to bank deposits, not considering alternative options. Some are not even aware of the existence of other financial products. In this article, we will explore one such instrument — Fixed Income Portfolio by the insurance company Investors Trust. This product lives up to its name: “Fixed Income” translates to “fixed income,” and it truly offers stability and reliability.
Key Features of the Product
Fixed Income Portfolio has a number of key features that make it attractive to investors:
- Fixed and floating rate: The product combines elements of a deposit with the possibility of earning a floating income.
- Flexibility of contributions: Funds can be invested either as a lump sum or on a regular basis.
- Currency: All transactions are conducted in US dollars.
- Guaranteed payout: In the event of the investor’s death, a payout of 101% of the invested amount is provided.
- Capital protection: 100% guarantee of the safety of invested funds.
Investment Options
Fixed Income Portfolio offers two main investment options, suitable for different goals and financial capabilities.
1. Lump-Sum Investment Program
For those who prefer one-time investments, programs with terms of 3 or 5 years are available.
- Yield: 2.25% per annum for the 3-year program and 3% per annum for the 5-year program.
- Minimum contribution: $10,000.
- Fees: A monthly policy fee of $7 is charged, with no annual administrative fee.
2. 15-Year Savings Program
For those willing to invest on a long-term basis, a savings program with periodic contributions is available.
- Minimum contribution: $200 per month.
- Yield: Floating, ranging from 3.5% to 6% depending on the 12-month US LIBOR rate + 1.50% per annum.
- Loyalty bonuses:
- After 10 years, the investor receives 7.5% of all contributed funds.
- In the 15th year of the program, an additional 5% of the amount contributed between the 10th and 15th years is paid out.
Advantages of Fixed Income Portfolio
Fixed Income Portfolio offers a number of advantages that make it attractive to a wide range of investors:
- Low entry threshold: You can start investing with $200 per month.
- Passive income opportunity: Interest can be withdrawn, making the product a source of regular income.
- Loyalty bonuses: Long-term investors receive additional payouts.
- No investment risk: Capital is fully protected.
- Insurance wrapper: The product combines the functions of an investment tool and insurance protection.
Who Is Fixed Income Portfolio Suitable For?
This product will be an excellent choice for those seeking a reliable and predictable investment tool. It is suitable for:
- Conservative investors: Those who prefer low risk and guaranteed returns.
- Investors with short- and medium-term goals: The product offers 100% capital protection and fixed income depending on the chosen plan.
- Those who want to automate the savings process: The program with periodic contributions allows for systematic capital accumulation without the need for constant monitoring.
Conclusion
Fixed Income Portfolio by Investors Trust is a reliable alternative to bank deposits, especially for those seeking stability and capital protection. The combination of fixed and floating rates, an insurance wrapper, and full protection of investments make this product attractive to conservative investors.
If you would like to learn more about the product or receive a personalized calculation, you can contact the specialists at UNIT-LINKED.com by emailing