The Platinum program by Investors Trust is an investment solution that combines insurance protection with capital management opportunities. It is a unit-linked program, meaning it allows clients to invest their funds in various funds while maintaining an insurance component. The program is designed for those who already have savings and aim not only to preserve but also to grow their capital.
Key Features of the Program
To participate in the Platinum program, a single payment starting from 10,000 USD/EUR/GBP is required. Additional contributions can be made from 2,500 USD/EUR/GBP, making the program flexible and adaptable to individual financial goals.
It is important to note that the program is available to individuals over 18 years old at the time of contract signing, and the policy term is limited to the age of 85 years. This makes Platinum a suitable tool for long-term investment.
Investment Portfolio Management
One of the key features of the program is the ability to change the investment portfolio at any time. This can be done through an online account, ensuring convenience and efficiency in managing assets. Additionally, the program allows policyholders to take loans against their investments, which can be useful in case additional funds are needed.
Fees and Conditions
The Platinum program offers free switching between funds up to 15 times a year, allowing clients to respond quickly to market changes. The asset management fee is 1.5% per annum, which is a competitive offer in the market.
Regarding withdrawals, the program allows partial withdrawal of capital, but the minimum surrender value of the policy must be maintained. It is important to note that early withdrawal of funds incurs a fee, ranging from 6.4% in the first year to 0% after five years. This encourages long-term investment and minimizes risks associated with premature withdrawals.
Conclusion
The Platinum program by Investors Trust is a reliable tool for those seeking a balance between insurance protection and investment opportunities. The flexibility in portfolio management, transparent fees, and the ability to borrow funds make this program attractive to investors focused on long-term goals. If you already have savings and want to preserve and grow them, Platinum could be a worthy choice.