Inversión
Cuenta de ahorro offshore
Un contrato de prima periódica para clientes que construyen una cartera a partir de sus ingresos y no de su capital, con la opción de aumentar, reducir o interrumpir temporalmente las aportaciones.
Trinity College, Dublín · Diliff, CC BY-SA 4.0
Para quién es
Clientes presentados por un corredor que ahorran mensualmente
Qué hace
- Aportaciones mensuales, trimestrales o anuales
- Interrupción de aportaciones sin que el contrato caduque
- Gama de fondos asegurados con cambios sin comisión
- Aportaciones extraordinarias de capital junto con la prima periódica
El producto en detalle
Most investment products assume the client already has capital. This one assumes they have income. A regular premium contract builds a portfolio out of monthly contributions, which is how the majority of people who eventually have a portfolio actually got one.
The design problem with regular saving is that life interrupts it. A contract that lapses when a client stops paying for six months punishes exactly the events — a redundancy, a move, a new child — that make saving hard. So this contract allows contribution holidays of up to twenty-four months in total without lapsing, and allows contributions to be increased, decreased or indexed as circumstances change.
Capital top-ups sit alongside the regular premium, which means a bonus or a small inheritance can go into the same contract rather than starting another one. Over a fifteen-year term that consolidation is worth having: one contract, one statement, one set of instructions.
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
- Orden de domiciliación bancariaA 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 contribution and a term are set
From £500 a month, over a minimum five-year term, monthly, quarterly or annually. Indexation at CPI or a fixed percentage is optional at outset.
Contributions buy units in the insured fund range
The adviser selects the funds, and switching between them is free.
Contributions can be varied, or paused
Increased, decreased, or suspended for up to twenty-four months in total across the life of the contract without lapsing it.
Top-ups from capital go into the same contract
So a lump sum does not require a second wrapper, a second statement and a second set of instructions.
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.
£500 a month for ten years, with a year off
Contributions only. No growth is assumed, because the purpose of this arithmetic is to show what a holiday costs, and that is a question about contributions rather than about markets.
- Monthly contribution
- £500
- Plazo
- 10 years
- Contributions if never interrupted
- £60,000
- Twelve-month contribution holiday
- −£6,000
- Contributions actually paid
- £54,000
- Contract status during the holidayUp to 24 months cumulative, and the contract does not lapse
- In force
Illustrative arithmetic on contributions, not a projection of value. What a holiday really costs is the growth those contributions would have had, which is unknowable — the £6,000 is simply the part that can be stated.
Contributions accumulated over a long term
£500 a month, uninterrupted, at four points in a twenty-year term.
Ver estas cifras en una tabla
| Contributions paid to date | |
|---|---|
| Year 5 | £30,000 |
| Año 10 | £60,000 |
| Year 15 | £90,000 |
| Year 20 | £120,000 |
Idoneidad
Dónde encaja Cuenta de ahorro offshore
Los casos que resuelve, los que no, y lo que un suscriptor necesita antes de tarificar.
Es la respuesta adecuada cuando
- A client saving from income rather than investing capital.
- Someone whose income is variable and who needs the option to pause.
- A long horizon — ten years or more — where indexation keeps the contribution meaningful.
Conviene mirar otra cosa cuando
- A capital sum with no regular saving; the Delta or Premiere contracts are the single premium wrappers.
- A term under five years.
Lo que necesitamos para tarificar
- 1.Application, direct debit mandate and source of funds evidence.
- 2.Contribution, frequency, term and any indexation basis.
- 3.Fund selection from the published range.
Preguntas
Lo que los corredores nos preguntan sobre este producto
What happens if a client stops paying?
Up to twenty-four months of cumulative holidays are allowed without lapsing the contract. Beyond that the contract is dealt with under its own terms, so tell us before the payments stop rather than after.
Can contributions be increased later?
Yes, and indexation can be added or removed. A contribution that never rises is worth less every year in real terms, which is why the option exists.
Can a lump sum go in?
Yes. Top-ups from capital are accepted alongside the regular premium, in the same contract.
Solicitar información
Consúltenos sobre Cuenta de ahorro offshore
El formulario llega a un suscriptor en Dublín. Si es intermediario, indíquelo y lo dirigiremos a la mesa de corredores.