Investissement
Compte d'épargne offshore
Un contrat à primes périodiques pour les clients qui constituent un portefeuille à partir de leurs revenus plutôt que de leur capital, avec la possibilité d'augmenter, de réduire ou de suspendre les versements.
Trinity College, Dublin · Diliff, CC BY-SA 4.0
À qui il s'adresse
Clients présentés par un courtier qui épargnent chaque mois
Ce qu'il fait
- Versements mensuels, trimestriels ou annuels
- Suspension des versements sans déchéance du contrat
- Gamme de fonds assurés avec arbitrages sans frais
- Versements complémentaires en capital en plus de la prime périodique
Le produit en détail
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.
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
- Mandat de prélèvement automatiqueSur 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 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.
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.
£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
- Durée
- 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.
Voir ces chiffres sous forme de tableau
| Contributions paid to date | |
|---|---|
| Année 5 | £30,000 |
| Année 10 | £60,000 |
| Année 15 | £90,000 |
| Année 20 | £120,000 |
Adéquation
Où Compte d'épargne offshore 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
- 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.
Il faut regarder ailleurs lorsque
- A capital sum with no regular saving; the Delta or Premiere contracts are the single premium wrappers.
- A term under five years.
Ce qu'il nous faut pour tarifer
- 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.
Questions
Ce que les courtiers nous demandent sur ce produit
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.
Demander des informations
Interrogez-nous sur Compte d'épargne offshore
Le formulaire parvient à un souscripteur à Dublin. Si vous êtes intermédiaire, dites-le et nous l'orienterons vers le bureau courtiers.