International Regular Savings Best Buy

Get in touch
+44 208 123 8072

Savings Calculator

Do you know how much your money could be worth when you need it? Realize the power of long-term saving with our calculator. Enter the amount, a hypothetical rate of return and the number of years you plan to save.


Your potential investment return


Important Information:

This calculator is for illustrative purposes only and does not reflect the performance of any specific investment. It does not take into effect the deduction of any fees or taxes. There is no guarantee that the rate of return selected can actually be achieved. Investments offering the potential for higher rates of return also involve a higher degree of risk.

Are you on track? Whatever your result, knowing where you stand today and whether you need to adjust your strategy (or priorities) are the first steps toward achieving your financial goals. Your financial advisor can work with you to build your strategy and help answer questions such as:

  • What's my comfort level with risk? How does that affect my investment choices?
  • If I take a more or less aggressive approach, how might this impact my return?
  • What are the tax implications I need to think about?

Contact your local financial advisor to discuss what steps you can take today to get you on a path toward success in the future.

International Regular Savings Best BuyEME are a marketing brand that offers independent reviews on a range of products. This is our International Regular Savings Best Buy and to highlight the current best product that we have reviewed we have duplicated that review here to make it easier to find what we believe is the best product.

However, it may not be the best for your circumstances and you should take advice if unsure. This solution is for a regular or irregular savings or investment product with a minimum monthly amount payable.

EME are independent and are not tied in any way to the product on this page, and nor do we receive marketing money or incentives for listing it here.
We also will update this page and section each time we find a better product (we have updated it 3 times in the last 2 years) and the latest product only became recommendable in July 2016.

Find out more

Expat Money Expert Regular Savings Summary

International Regular Savings Best Buy

Expat Money Expert think the Interactive Broker trading account is the highest rated solution for most clients currently who do not require the benefit of a life insurance wrapper. It is an up-to-date 2016 offering which offers full transparency with regards to charges and funds / equities / ETF from territories such as the UK, the USA and some European bourses; ultimately, an Interactive Brokers trading account is an inexpensive pure platform solution and our current International Regular Savings Best Buy. The loss of a half a star is purely because it does not offer an insurance tax wrapper.


  • Full flexibility with full withdrawal or full access in the early years without penalty
  • No commission, and no hidden charges
  • Full transparency of costs leads to lower charges
  • Provides full access to lowest cost funds, passive trackers and equities throughout the worlds markets


  • Not available to everyone in every country
  • Outside of a pension, many countries do not recognise any tax concessions
  • This is a fee driven product which must be paid at outset
  • Not suitable for novices as the trading platform can be complex

What does Interactive Investors write about their own platform? Interactive Investors was founded in 1993 by Thomas Peterffy, an early innovator in computer-assisted trading. He introduced electronic devices to options floor trading at the Chicago Board of Trade and went on to develop related trading technologies before entering the electronic brokerage business.

In 1983, the company created the first handheld computers used for trading. As Peterffy explained in a 2016 interview, the battery-powered units had touch screens for the user to input a stock price and it would produce the recommended option price, and it also tracked positions and continually repriced options on stocks.

Eligibility: Anyone over the age of 18 that is resident in an acceptable country. Us clients are welcome with Interactive Brokers, in fact it is the only investment platform among all of the companies reviewed that welcomes US clients.
Life Insurance: Interactive Investors does not offer life assurance, it is a trading platform purely for investing your money with a wide range of investment options.
Capital Redemption: A PIMS policy on a capital redemption basis will remain in-force for a total of 99 years at which point it will mature and we will pay out the surrender value plus a guaranteed amount of GBP100 (or currency equivalent).
Minimums: The minimum single premium is $500 with the aim of building the account to $100,000 as this negates the monthly charge as detailed below. Although Interactive Brokers gives you a grace period of three months before the monthly charge applies.
International Regular Savings Best Buy Charges: There is a choice between an “establishment charge structure” and an “annual policy charge structure”.

Establishment Charge Structure:
There is no establishment charge, this platform is very different from most of the other companies offering investment opportunities.

Administration charge:
There is a monthly charge $20 if your account balance is below $100,000, once the account has reached this amount then there is no administration charge as the monthly trades conducted within the portfolio cover the administration.

Other Charges:
Charges are minimal and they depend to the specific portfolio chosen, for example, trading a US stock is $1 per trade. Interactive Brokers has charging rates on their website here.

An adviser charge to manage the portfolio, this typically can be between 1 to 1.5% per annum depending on the chosen advisers charging structure and service provided. The Interactive Broker trading account can be managed completely by the client that is comfortable selecting and trading stock. This is one of the reasons for us making it our International Regular Savings Best Buy

Full details can be found here.

Are charges explicit: By explicit, it means that it is clear to see not only the charges for taking out the plan but also the cost of funds annually, any upfront fund costs. No penalties on access, etc. Yes, in the main the International Regular Savings Best Buy trading account charges are clearly shown and any professional should be able to interpret them.

Expat Money Expert Verdict on Charges – Establishment Charge Structure 

Expat Money Expert Verdict on Charges – Annual Policy Charge Structure 

Surrender of the Interactive Investor trading account: Our International Regular Savings Best Buy has no surrender charges and no early redemption charges as there is no commission charged when the account is set up. This is the future of investing, portfolio can be built based on the clients specific appetite to risk included IRS compliant portfolios for US clients.

Expat Money Expert Verdict on Accessibility – Establishment Charge Structure 

Expat Money Expert Verdict on Accessibility – Annual Policy Charge Structure 

International Regular Savings Best Buy

To see our verdict on Interactive Brokers and why they are our current International Regular Savings Best Buy then see their review

WARNING: Costs and information is correct as of July 2016. Please refer to a brochure from the company for current up to date information and any changes on costs or information. You should not buy based purely on information contained within this article and EME do not accept liability for purchases. If you have any doubts then please speak with your financial adviser or a representative of the company for further advice.

Comments 2

Leave a Reply

Your email address will not be published. Required fields are marked *

  • Charges criteria

    Charges are assessed inclusive of fund fees, capital units, bid/offer spread criteria and third party management fees which are often ignored but are, in effect, compulsory additional costs that essentially must be considered by clients.

    Star ratings

    The star ratings apply at inception of the products and in at least the first 2 -8 years. Some products reduce charges or become more accessible with time held, but the length varies for each product; from our reviews it is typically overall between 5-10 years.

    These ratings are awarded based on information obtained from the companies at a certain date. It is worth considering obtaining the latest updated information yourself before making a decision.

    Star ratings

    ChargesOverall charges greater than 8% per annum.
    FundsLimited selected range of collectives or mirror funds with upfront additional charges (Bid/Offer spread) or initial “capital” units.
    AccessibilitySevere access penalties, some accessibility after establishment period with total loss of fund or severe penalties in establishment period of 6-24 months or longer.
    Overall AssessmentA commission-based adviser’s product. Not recommended under any circumstances.

    ChargesOverall charges greater than 5% per annum.
    FundsIn-house range of collectives or mirror funds with upfront additional charges (Bid/Offer spread).
    AccessibilityPenalties resulting in loss of fund value may exist for 5 years – 8 years or longer, or total loss of fund or severe penalties in establishment period of 3-24 months.
    Overall AssessmentA predominantly commission-based adviser’s product with limited use or appeal.

    ChargesOverall charges between 2.5% and 5% per annum.
    FundsIn-house or limited range of collectives or mirror funds with no Bid/Offer spread.
    AccessibilityTo avoid access penalties, only typically accessible after establishment period of 3-24 months or longer, but with no penalties thereafter.
    Overall AssessmentFor those seeking lock-in target dates (perhaps with guarantees) over 5 years.

    ChargesOverall charges less than 2.5% per annum.
    FundsFull range of collectives with no Bid/Offer spread and rebates on charges reducing annual costs.
    AccessibilityImmediate within 60 days without any penalties on any item.
    Overall AssessmentRecommended for some situations and some people due to lower charges and flexibility.

    ChargesOverall charges less than 1.9% per annum.
    FundsIncludes ETPs (passive) and Individualised accessible collectives with no Bid/Offer spread and clean share classes for lowest annual costs.
    AccessibilityImmediate within 30 days without any penalties on any item.
    Overall AssessmentRecommended for most situations and most people, with full transparency and low charges.