Investissement
Delta Account
Un contrat plus simple, limité à notre gamme de fonds assurés, avec un ticket d'entrée plus bas et une seule commission annuelle de gestion au lieu d'un ensemble de frais de conservation.
Trinity College, Dublin · Diliff, CC BY-SA 4.0
À qui il s'adresse
Clients présentés par un courtier investissant à partir de 20 000 £
Ce qu'il fait
- Accès uniquement à la gamme de fonds assurés — sans frais de conservation ni de transaction
- Une seule commission annuelle de gestion par fonds
- Arbitrages entre fonds sans frais
- Possibilité de retraits réguliers, du mensuel à l'annuel
Le produit en détail
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.
Documentation
La documentation produit est remise aux intermédiaires accrédités. Demandez-la à votre souscripteur, ou demandez-la via le formulaire de demande.
- Document sur les caractéristiques essentiellesSur demande
- Guide de la gamme de fondsSur demande
Comment cela fonctionne
Ce qui se passe, dans l'ordre
De la première demande jusqu'à la mise en place de la garantie, du contrat ou de la ligne.
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.
Les chiffres
Un exemple chiffré
Des calculs donnés à titre indicatif, pour que la structure du produit se voie plutôt qu'elle se décrive. Rien ici n'est une offre ni une projection.
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.
Voir ces chiffres sous forme de tableau
| Cumulative withdrawals taken | |
|---|---|
| Année 1 | £2,500 |
| Year 2 | £5,000 |
| Year 3 | £7,500 |
| Year 4 | £10,000 |
| Année 5 | £12,500 |
Adéquation
Où Delta Account trouve sa place
Les cas auxquels il répond, ceux auxquels il ne répond pas, et ce qu'un souscripteur demande avant de tarifer.
C'est la bonne réponse lorsque
- 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.
Il faut regarder ailleurs lorsque
- A client who needs direct equities, structured notes or a discretionary manager.
- Regular monthly saving — the Offshore Savings Account is the regular premium contract.
Ce qu'il nous faut pour tarifer
- 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.
Questions
Ce que les courtiers nous demandent sur ce produit
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.
Demander des informations
Interrogez-nous sur Delta Account
Le formulaire parvient à un souscripteur à Dublin. Si vous êtes intermédiaire, dites-le et nous l'orienterons vers le bureau courtiers.