For those who aim to participate in the growth of the stock market while ensuring the safety of their investments, Investors Trust offers a unique product — the S&P 500 Index. This tool allows investors to earn returns based on the growth of the S&P 500 index while simultaneously providing capital protection and guaranteed returns.
What is the S&P 500?
The S&P 500 index, on which this product is based, was established in 1957. It reflects the value of shares of 500 largest U.S. companies, which are leaders in the American economy. Thus, by investing in the S&P 500, you are essentially investing in a broad spectrum of leading enterprises, making this index one of the most reliable and popular tools for long-term investments.
Capital Protection and Guaranteed Returns
One of the key features of the S&P 500 Index product by Investors Trust is 100% participation in the index’s growth without the risk of losses. This means that even if the index shows negative performance, the investor will still receive their capital back with guaranteed returns. In the case of index growth, the returns will be proportional to its increase. Thus, you gain the opportunity to participate in market growth without fearing the loss of funds.
Additionally, the program includes insurance protection. In the event of the policyholder’s death, the beneficiaries will receive 101% of the policy’s value. This not only ensures financial security but also allows for tax benefits due to the insurance wrapper of the account.
Types of S&P 500 Index Programs
Investors Trust offers two main investment options:
1. Lump-Sum Investment Program
This plan is designed for 7 years and requires a starting amount of $10,000. The guaranteed capital protection is 89.5%, meaning that even if the index falls, you will get back the majority of your investment. The recommended contribution is from $20,000. The program includes a policy fee ($7), an administrative fee, and a management fee of 0.125% monthly.
2. Savings Program with Regular Contributions
This option is available for 10, 15, or 20 years. The minimum monthly contribution is $200, but to achieve more significant results, it is recommended to contribute between $300 and $500 per month. The level of capital protection varies depending on the program’s duration:
- 10 years: 100% of the total contributions
- 15 years: 140% of the total contributions
- 20 years: 160% of the total contributions
The program also includes monthly fees: a policy fee ($10), a structural fee of 0.125% of the account value, and an annual administrative fee, which depends on the program’s duration.
Loyalty Bonus
The savings programs offer additional bonuses that are accrued at specific intervals:
- After 10 years: 7.5% of all contributions made
- After 15 years: an additional 7.5% of contributions made over the last 5 years
- After 20 years: an extra 5% of all contributions made over the last 5 years
Example Calculation
Let’s consider a savings program for 15 years with monthly contributions of $600. With a potential index return of 10%, over 15 years, your accumulated capital could reach nearly $200,000 with total contributions of $108,000. Even in the case of low returns or a decline in the index, you will receive a guaranteed return of your capital and a 40% return on all contributions, amounting to $151,200.
Who is the S&P 500 Index Suitable For?
This product is ideal for medium- and long-term investors who want to participate in the growth of the U.S. stock market but lack sufficient experience in selecting investment strategies. Thanks to capital protection and the insurance wrapper, the S&P 500 Index becomes a reliable tool for the conservative part of an investment portfolio.
How to Apply?
You can apply for the S&P 500 Index program through the UNIT-LINKED.COM project. You can request an individual calculation by contacting the managers via email: .
Thus, the S&P 500 Index by Investors Trust is not only an opportunity to participate in the growth of leading U.S. companies but also a guarantee of the safety of your investments.