Lump Sum Investments

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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.

Compare the full range of Lump Sum Investments & Savings products here:

CompanyProduct NameReview RatingReviewFee & No Commission5,000+ Funds AvailableLock-in Period?Ongoing Charges <2%Purchase
Interactive BrokersNo Lock in

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Novia GlobalNo Lock in

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Nedbank Private WealthNo Lock in

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Platform One Lump SumNo Lock in

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RL360 PIMSLock in

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OMI Executive BondLock in

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Prudential International Investment BondLock in

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FPI Reserve BondLock in

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Generali Personal Portfolio BondLock in

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Hansard Capital Investment BondLock in

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Investors TrustLock in

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STM Portfolio BondLock in

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Fund fees can wipe thousands off your investment – but there is rarely any need to pay full charges, and you can plan for much less. You can avoid high charges so easily by using EME. You can get advice if you want it, or you can conduct execution only with reduced costs. You choose!

Below are two examples showing the difference between reduced initial fees and the full commission on identical performance for £50,000 and £200,000 lump sum contributions over 2 years.

You will now know the difference when your salesman / adviser is trying to sell you the higher commission version! …and why you should come to us.


Example 1

£50,000 Lump sum invested in a Bond over 2 years
32%
EME Option Surrender Value at 9% Growth = £53,059
45%
Other IFA Surrender Value at 9% Growth = £50,102
32%

Total benefit of EME to you = £2,957


Example 2

£200,000 Lump sum invested in a Bond over 2 years
60%
EME Option Surrender Value at 9% Growth = £214,370
95%
Other IFA Surrender Value at 9% Growth = £200,000
60%

Total benefit of EME to you = £12,270



Old Mutual International Executive Investment Bond

What is the Old Mutual International (OMI) Executive Investment Bond (EIB)?

The Old Mutual International (formally know as Royal Skandia) Executive Investment Bond is an offshore, whole of life assurance policy providing benefits on death of the relevant life assured (or ‘bond’) that accepts single premiums.

The bond is issued in the form of a single policy or a number of separate polices know as “Cluster of polices”. The term is fixed at the time of the policy activation and this cannot be varied or waived, therefore early encashment of the policy results in a “Surrender Charge” or “Early withdrawal charge”.

Why choose the Old Mutual International Executive Investment Bond?

Many investors find managing a portfolio of funds an administrative burden. With the Executive Investment Bond , Old Mutual International takes care of this by establishing a portfolio of Old Mutual International funds within the Account and managing any paperwork on your behalf.

Normally if a particular investment is underperforming, changing strategy or fund manager may mean you suffer not only exit penalties and new initial charges on a new investment, but also a possible tax liability as well. By choosing an Executive Investment Bond, you avoid this problem and can also enjoy the following benefits:

A choice of currencies in which premiums can be paid and the
Account denominated (currently Sterling, US Dollar, Euro and HK Dollar).
Easy access to your Account by linking it with an offshore Lloyds TSB or Singer & Friedlander bank account.
Surrender of the Royal Skandia (OMI) lump sum bonds:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).


Generali Professional Portfolio Bond

What is the Generali Professional Portfolio Bond (PPB)?

Professional Portfolio, from Generali International, is a single premium, open-architecture, whole of life, life assurance product providing wealth management and estate planning options for tax-efficient investing. The Generali Professional Portfolio Bond may be denominated in US dollar, GB pound, Hong Kong dollar, Japanese yen or Euro, and all benefits will be paid in the currency of the plan.

Why choose the Professional Portfolio Bond?

The Generali Professional Portfolio bond provides both flexibility and control to help you manage your wealth in a tax-efficient environment. Its versatility means that it is equally effective whether your investment strategy is geared for growth, capital preservation or to provide a regular income.

Establishment charge-The establishment charge is a percentage of each Investment Amount paid. It is deducted in arrears on each of the first 4 Charge Dates following payment of each Investment Amount. Establishment charges will always be based on the Investment Amounts originally received irrespective of any partial surrenders or regular withdrawal payments previously taken. 0.5% of each Investment Amount on each of the first 4 Charge Dates, following payment of each Investment Amount (total of 2% per annum for one year.

Early Discontinuance Charge-If the Plan is fully surrendered, early discontinuance charges may be deducted from the Investment Value. The early discontinuance charge only applies on full surrender and only in relation to Investment Amounts for which less than 20 Charge Dates have passed since payment. Partial surrenders are free of surrender charges and penalties. However, establishment charges and administration charges will continue to apply, where applicable, based on the Investment Amounts originally received irrespective of any partial surrenders or regular withdrawal payments previously taken. 8% of the higher of (1) each Investment Amount; and (2) its associated Investment Value prior to the first Charge Date, following payment of the Investment Amount. This early discontinuance charge reduces by 0.4% on each Charge Date to 0% after the 20th Plan Charge Date following payment of the Investment.

Administration charge–The Generali Professional Portfolio bond will incur an administration charge an administration charge is a percentage of the higher of (1) each Investment Amount; and (2) its associated Investment Value, deducted on each of the first 20 Charge Dates, following payment of each invested amount. there will be0.375% on each of the first 20 Charge Dates, following payment of each Investment Amount (1.5% per annum for 5 years).

Dealing Charges– The is a dealing charge made for each sale and purchase that is made within the The Generali Professional Portfolio bond of £35.00 so if you sell one fund and buy another then the charge deducted from your savings is £70.00 per fund.Generali International Limited waive this dealing charge in respect of the initial purchase of Investment Instruments or re-registration of existing Investment Instruments in respect of the initial Investment Amount provided these are completed within 3 months of the Plan Commencement Date.

Surrender of the Generali Professional Portfolio bond:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).


Prudential International Portfolio Bond

What is the Prudential International Portfolio Bond?

The Prudential International Portfolio Bond allows access to a wide range of investment choices with the aim of increasing the value of the money you invest. It is country specific and mainly aims at UK and Guernsey although, other countries may be considered such as Spain and France.

The Prudential International Portfolio Bond Investment:

The minimum initial single investment is £50,000 or currency equivalent when you take out the bond. The minimum top up amount is £5,000 or currency equivalent.

The Prudential International Portfolio Bond Term:

There is no stated investment term on the Prudential International Portfolio Bond. If you decide to cash it in completely, an exit charge may apply in the first 5 years.

How is the Prudential International Portfolio Bond set up?

The Prudential International Portfolio Bond is set up as a group of identical polices. The standard number is 20, although you can choose to have more or fewer. You can cash in each policy separately ,which may help you withdraw money in a tax efficient way.

What are the Charges of the Prudential International Portfolio Bond:

All charges of the Prudential International Portfolio Bond are shown on the personal illustration obtained from your financial adviser. The first year of your investment, you are entitled to the first 20 deals within the costive the policy and then 10 deals per year for the life of the bond. There is then a charge of £23.90 per deal thereafter.


Royal Skandia Executive Investment Bond

What is the Royal Skandia(RSK) Executive Investment Bond (EIB)?

We are displaying the Royal Skandia bond to assist clients that have the EIB with Royal Skandia as the current version is now with Old mutual international as detailed above.

The Royal Skandia Executive Investment Bond is an offshore, whole of life assurance policy providing benefits on death of the relevant life assured (or ‘bond’) that accepts single premiums.

The bond is issued in the form of a single policy or a number of separate polices know as “Cluster of polices”. The term is fixed at the time of the policy activation and this cannot be varied or waived, therefore early encashment of the policy results in a “Surrender Charge” or “Early withdrawal charge”.

Why choose the Royal Skandia Executive Investment Bond?

Many investors find managing a portfolio of funds an administrative burden. With the Executive Investment Bond , Royal Skandia takes care of this by establishing a portfolio of Old Mutual International funds within the Account and managing any paperwork on your behalf.

Normally if a particular investment is underperforming, changing strategy or fund manager may mean you suffer not only exit penalties and new initial charges on a new investment, but also a possible tax liability as well. By choosing an Executive Investment Bond, you avoid this problem and can also enjoy the following benefits:

A choice of currencies in which premiums can be paid and the account denominated (currently Sterling, US Dollar, Euro and HK Dollar). Easy access to the Account by linking it with an offshore Lloyds TSB or Singer & Friedlander bank account.

Surrender of the Royal Skandia Executive Investment Bond:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).


Friends Provident International Reserve Investment Bond

What is the Friends Provident International Reserve Investment Bond?

The Friends Provident International Reserve Investment Bond. The new bond is available on both a whole of life and capital redemption basis, to individual and corporate customers (including trusts) resident outside of the United Arab Emirates, Hong Kong and Singapore. New Reserve introduces two brand new charging structures – ‘annual policy charge’ and a ‘ten-year establishment charge’ – in addition to the existing Reserve charging options.

Bonus:

The first 18 months contributions are enhanced by 5% for $500 or more per month. This is increased to 10% for contributions of $1000 or more. For contributions over
$2000 an additional 1% is added for each year of the plan up to a maximum of 15% bringing the max bonus for $2000 or more to 25%.

Friends Provident International Reserve Investment Bond charges:

Establishment charge– The establishment charge is taken either on the start date of the policy or on the first day of each calendar quarter during the establishment charge period. A further establishment charge is made on on each additional premium paid into the bond. The actual charge varies depending on the charging structure that is chosen, one option for example for investment amounts up £1,000,000 is 8.5% so this means that a charge of £85,000 will be charged against your savings plan! Alternatively if the option of paying the establishment charge over a 10 years is selected, then the charge is 1% per annum over the 10 year period i.e. £1,000,000 x 1% for 10 years = £100,000. If the policy is encashed early, then the whole amount of the establishment charge is deducted from the account.

Administration charge-Friends Provident International Reserve Investment Bond will incur an administration charge on the first day of each calendar quarter for the lifetime of the policy of £95.00, this means that over a 20 year period the administration charges will add up to £7,600 plus any future increases in charges.

Dealing Charges– The is a dealing charge made for each sale and purchase that is made within the Friends Provident International Reserve Investment Bond of £28.00 so if you sell one fund and buy another then the charge deducted from your savings is £56.00 per fund.

Lump sums into the Friends Provident International Reserve Investment Bond will be subject to a bid-offer spread of 7%, that is they are deposited at the offer price and immediately drop down to the bid price. All withdrawals and switches between funds are done at the bid price.

There are other hidden charges, taken out before the funds are priced and so are not seen:
Friends Provident International Reserve Investment Bond take 1.2% pa out by reduction of the fund prices each day. The performance of the mirror funds are therefore 1.2% pa less than the underlying funds being mirrored.

Surrender of the Friends Provident bond:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).


Hansard Capital Investment Bond

What is the Hansard Capital Investment Bond (CIB)?

Hansard Capital Investment Bond, is a unit-linked contract for single, ad hoc or regular contributions. It is designed for building up a lump sum over the medium to long term beginning with a minimum of USD 20,000 in the first three years, without the need to commit to a defined regular contribution. It is written on a capital redemption basis and is available on a single or joint ownership basis.

Why Choose Hansard Capital Investment Bond?

The Hansard Capital Investment Bond is available in most major currencies. Contract holders may change the currency denomination of the contract at any time, at the exchange rate then prevailing.

Hansard Capital Investment Bond Contract term:

The Hansard Capital Investment Bond will mature on expiry of the 99 year term unless fully surrendered prior to the end of the term.

Maturity benefit:

At the end of the selected term, the value of the Hansard Capital Investment Bond will be the value of the portfolio.

Minimum Investment:

Hansard Capital Investment Bond holders may make single contributions can be made at any time subject to a minimum of USD 2,000. Regular contributions can also be made, subject to a minimum of USD 600 per month or USD 1,800 per quarter. Contributions equal to the minimum contracted contribution of USD 20,000 must be made within three years of commencement of the contract. If the minimum contracted contribution is not received by the third anniversary of the commencement of the contract, an additional charge, currently GBP 417, will be applied by cancellation of units.

Standard sum assured:

On the death of the life assured (or the first life assured to die for a joint-lives first-death contract, second-life assured to die for a joint-lives second-death contract) before the agreed maturity date, the standard sum assured is 101% of the value of the initial and accumulator units. The value is calculated using the applicable bid price of units.

Establishment charge-Hansard Capital Investment Bond establishment charge is a percentage of each Investment Amount paid. It is deducted in arrears on each of the first 4 Charge Dates following payment of each Investment Amount. Establishment charges will always be based on the Investment Amounts originally received irrespective of any partial surrenders or regular withdrawal payments previously taken. 0.5% of each Investment Amount on each of the first 4 Charge Dates, following payment of each Investment Amount (total of 2% per annum for one year.

Surrender and withdrawal of the Hansard Capital Investment Bond:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).


Royal London 360 Personal Investment Management Service (RL360 PIMS)

What is a RL360 PIMS?

PIMS is a single premium offshore savings policy issued in the Isle of Man by RL 360 Insurance Company Limited (RL 360°). It is linked to a wide range of funds in a way that is tax efficient and offers the potential for growth, over the medium to long term.

Why choose RL360 PIMS?

RL360 PIMS is a portfolio bond offering a choice between fully open and guided architecture. While catering for almost all attitudes to risk, it’s also fully compatible with most pension schemes. And, for extra sophistication, it can also be used in a trust if required. PIMS also offers the ability to appoint a discretionary fund manager or an investment adviser.

Premiums:

There are 7 PIMS policy currencies to choose from: Pounds Sterling (GBP), US Dollar (USD), Japanese Yen (JPY), Euro (EUR), Swiss Franc (CHF), Australian Dollar (AUD) and Hong Kong Dollar (HKD). The currency of the PIMS policy cannot be changed after issue. The policy will be valued in this currency and fees will be deducted in this currency. Initial and additional premiums paid into PIMS can be made in any currency, provided that they can be easily exchanged for the PIMS policy currency and are subject to the minimum premium levels for your policy currency.

Establishment charge– The establishment charge is taken either on the start date of the policy or on the first day of each calendar quarter during the establishment charge period. A further establishment charge is made on on each additional premium paid into the bond. The actual charge varies depending on the charging structure that is chosen, one option for example for investment amounts up £1,000,000 is 8.5% so this means that a charge of £85,000 will be charged against your RL360 PIMS portfolio bond. Alternatively if the option of paying the establishment charge over a 10 years is selected, then the charge is 1% per annum over the 10 year period i.e. £1,000,000 x 1% for 10 years = £100,000. If the policy is encashed early, then the whole amount of the establishment charge is deducted from the account.

Administration charge-RL360 PIMS portfolio bond will incur an administration charge on the first day of each calendar quarter for the lifetime of the policy of 8.5% and is a fee that is taken throughout the lifetime of your policy as a percentage of the higher of the premium or its current policy value. An early surrender fee will apply and you can choose from 8 years or 10 years.

Dealing Charges– The is a dealing charge made for each sale and purchase that is made within the RL360 PIMS portfolio bond of £20.00 so if you sell one fund and buy another then the charge deducted from your savings is £40.00 per fund. The first 10 dealing transactions on the policy are free of charge.

Surrender of the Royal London 360 PIMS:

Availability of partial or full encashment at any time (an Early Encashment Charge will apply depending on the term and commission taken).

  • 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.


    Symbol meaning

    Meets criteria.

    Primary sold version does not meet criteria but additional options are available (which may or may not be at further cost).

    Does not meet criteria.


    Star ratings

    Overall AssessmentA commission-based adviser’s product. Not recommended under any circumstances.

    Overall AssessmentA predominantly commission-based adviser’s product with limited use or appeal.

    Overall AssessmentFor those seeking lock-in target dates (perhaps with guarantees) over 5 years for lump sum, and over 10 years for regular savings.

    Overall AssessmentRecommended for some situations and some people, as it is a more flexible product or investment medium with lower charges.

    Overall AssessmentRecommended for most situations and most people due to transparency and low charges.