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Advisory Platform

Review of Existing Savings Plan

  • It is important to review and properly manage your existing savings plans.
  • Investors can, for example, extract some of their funds from their plans to re-invest elsewhere and without penalty.
  • It is rarely beneficial to surrender of existing plans
  • Diversify into better value and better performing investments that are not available via your current plan.

Your current savings plan could be one of many of these plans that in many cases have not been reviewed for years.

  1. Once Invest Global is appointed as the servicing agent for the individual savings plan we will send our clients monthly valuations, updates and alerts via a mobile app.
  2. This is offered as a free service. We will then provide you with details of your options.

Become a Client

If you are ready for us to look after your savings plan (s) you need to inform the associated insurance company you would like Invest Global to look after your plan(s).

To make this process easy for you complete the inquiry form left and we will contact you.

 

Please.

Once we have spoken to you, planned an Investment strategy and confirmed with the insurance company your existing savings plan has been transferred (approximately 1-2 weeks) you will be assigned a licensed adviser.

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Frequently Asked Questions

1. What are insurance linked investment products?

These are savings plans or single investment accounts provided by insurance companies such as Hansard, Zurich International, Friends Provident, AXA, RL360,  Standard Life, Generali International, Royal Skandia/Old Mutual International. They are technically insurance contracts that ‘wrap’ your investment funds inside.

2. How do I know what type of plan I have?

Any statements, valuations or correspondence will have the name of the insurer plus the name of the product. Our team have over 40 years’ experience with the offshore insurance investment plans so please feel to contact us and tell us the name of the plan and provider and we can tell you what type of plan you hold.

3. Do you only give me access to technology or will you also provide advice?

The Invest Global team includes experienced advisers and will, upon request, provide you with investment advice on your plans – our technology helps guide you with your investment choices to ensure you achieve your financial goals.

4. Can I transfer my other financial products to you?

With a huge number of investment products available – we suggest you contact us with the details of the investment or product and we can determine if we can provide service and guidance.

5. Why is your service free of charge to me? How do you make money?

Invest Global has negotiated a fee with the insurance linked investment product provider to provide this service. Your contract will remain the same and no additional fees will be charged to you unless you request additional services.

6. Does it cost me anything to transfer or does transferring penalize me in any way?

There is no cost to transfer your plan as you are simply moving your plan under the Invest Global platform. This allows us to provide updates on your funds via client portal, mobile app and email. Your plan will remain active and in force and therefore NO costs or penalties – you are simply changing your service adviser.

7. Will Invest Global sell me other financial products?

No! We work on a proactive service model – we will keep you up to date with your existing plans and latest market news. Outside of our core service, we also offer services on request, which may involve a client needs analysis to ensure the best and most appropriate advice is delivered.

8. Will you help me get money out of my plan?

Yes – we will help complete the forms and advise on what supporting documentation is required.

9. Will you help me restart my plan?

Yes – we will help complete the forms and advise on what supporting documentation is required.

10. Will you help me change my investment portfolios?

Yes – we will help complete the forms and advise on what supporting documentation is required

11. What happens if I move? Will there be on-going service?

With modern web based technology you will receive updates and advice from Invest Global wherever you are in the world.

12. Can I manage my investment portfolios myself but still have the service?

Yes – if you wish you can just receive updates. An adviser will be available should you wish to make contact.

13. What is the difference between your core services and services on request?

Our core business is providing advice and service on your existing insurance-linked saving and investment plans. We realize however that financial decisions are all linked and related to one another. In order to save you the hassle of having to deal with multiple companies and people, we are also licensed to provide a variety of other financial services when and if you request them from us.

Offshore Pension Plans

There is no such thing as an Offshore Pension Plan. Expats have always been left to their own devices to save for their retirement as employers do not have the usual facilities to provide for their employees in this way. It is therefore assumed that the individual will make their own provisions.

The concept of a Final Salary Scheme, Company Pension, Personal Pension or Superannuation Scheme which is taken for granted in the expats’ home country, simply does not exist offshore. Expatriates are usually advised to effect a long term savings plan to provide for their retirement but these plans are at best a compromise.

Long term savings plans carry heavy charges, onerous terms and conditions and limited fund range. Their inflexibility is normally unsuitable for expats who often return home many years before they retire. Ceasing premiums in this eventuality is detrimental to the investment due to contractual terms to fund the premiums through to maturity.

There are now alternatives that are far more suitable for this purpose that are both more cost and investment effective and offer greater flexibility to suit the investor’s individual circumstances. link on the links in this section above or take a look at our bond ladder.