Inversión
Delta Account
Un bono más sencillo, limitado a nuestra gama de fondos asegurados, con un punto de entrada más bajo y una única comisión anual de gestión en lugar de una cartera de costes de custodia.
Trinity College, Dublín · Diliff, CC BY-SA 4.0
Para quién es
Clientes presentados por un corredor que invierten desde 20.000 £
Qué hace
- Acceso únicamente a la gama de fondos asegurados: sin costes de custodia ni de intermediación
- Una única comisión anual de gestión por fondo
- Cambios entre fondos sin coste
- Facilidad de retiradas periódicas, de mensual a anual
El producto en detalle
The Delta Account is deliberately narrower than the Premiere range. It holds our insured fund range and nothing else — no direct equities, no structured notes, no external custody. That constraint is what makes it cheap: with no dealing, no settlement and no custody to pay for, the contract carries one annual management charge per fund and nothing underneath it.
For a £20,000 to £100,000 portfolio, that is usually the right answer. Open architecture is worth paying for when the portfolio is large enough that access to specific assets changes the outcome; below that, the fixed costs of custody eat the benefit, and a client is better served by a fund range and no friction.
Switching is free and unlimited, which sounds like a small feature and is not. A client whose objectives change can move between funds without a charge and without leaving the wrapper, so the decision to change strategy is never distorted by the cost of making it.
Documentación
La documentación de producto se facilita a los intermediarios acreditados. Pídala a su suscriptor o solicítela mediante el formulario de consulta.
- Documento de características principalesA petición
- Guía de la gama de fondosA petición
Cómo funciona
Qué ocurre, en orden
Desde la primera consulta hasta el momento en que la cobertura, el contrato o la línea queda en vigor.
A premium is invested across the insured fund range
From £20,000, with additional premiums from £5,000. Funds are chosen by the adviser from the published range.
One annual management charge applies per fund
Taken within the fund price. There is no separate custody, dealing or platform layer, because there is nothing to custody outside our own funds.
Switches are free
Between any funds in the range, as often as the adviser needs, with no charge and no exit penalty.
Regular withdrawals, if wanted
Monthly, quarterly, half-yearly or annually, set as a percentage or an amount, and changeable.
Las cifras
Un ejemplo resuelto
Cálculos ilustrativos, para que la forma del producto se vea en lugar de describirse. Nada de lo que aquí figura es una oferta ni una proyección.
A £50,000 bond taking 5% a year
A year of the contract written out. Investment return is deliberately excluded: this is the cost and withdrawal arithmetic, which is knowable, rather than a projection, which is not.
- Single premium
- £50,000
- Annual management charge, illustrated at 0.85%Taken within the fund price rather than billed
- £425
- Custody and dealing costsThere is no external custody in this contract
- £0
- Fund switches during the year
- No charge
- Regular withdrawal at 5% a year
- £2,500
- Paid monthly
- £208.33
Illustrative. The charge shown is an illustration rather than the rate for any particular fund — the published fund range carries the actual figures — and a withdrawal is a return of capital until the contract earns it back.
Capital withdrawn on a 5% regular withdrawal
Cumulative withdrawals from the £50,000 bond above, before any investment return.
Ver estas cifras en una tabla
| Cumulative withdrawals taken | |
|---|---|
| Year 1 | £2,500 |
| Year 2 | £5,000 |
| Year 3 | £7,500 |
| Year 4 | £10,000 |
| Year 5 | £12,500 |
Idoneidad
Dónde encaja Delta Account
Los casos que resuelve, los que no, y lo que un suscriptor necesita antes de tarificar.
Es la respuesta adecuada cuando
- Portfolios from £20,000 where simplicity and cost matter more than asset choice.
- A client who wants an income stream from capital, taken monthly.
- Advisers who switch strategy periodically and do not want a cost each time.
Conviene mirar otra cosa cuando
- A client who needs direct equities, structured notes or a discretionary manager.
- Regular monthly saving — the Offshore Savings Account is the regular premium contract.
Lo que necesitamos para tarificar
- 1.Application, premium and source of funds evidence.
- 2.Fund selection from the published range.
- 3.Withdrawal instructions, if a regular withdrawal is wanted from outset.
Preguntas
Lo que los corredores nos preguntan sobre este producto
Why is there no custody charge?
Because there are no external assets to hold. The contract invests in our own insured funds, and everything the fund pays for is inside the fund price.
Are switches really unlimited?
Yes, and free. There is no switch charge and no limit on the number in a year.
Can the bond be upgraded to the Premiere Account later?
Not as an internal transfer — they are different contracts. Where a portfolio grows past the point at which open architecture pays, the adviser would arrange the new contract in the ordinary way.
Solicitar información
Consúltenos sobre Delta Account
El formulario llega a un suscriptor en Dublín. Si es intermediario, indíquelo y lo dirigiremos a la mesa de corredores.