Regular Premium Savings & Investments

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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.







Calculate

Your potential investment return

0

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.

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.







Calculate

Your potential investment return

0

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 Regular Premium Savings & Investment products here:

CompanyProduct NameReview RatingReviewFee & No Commission500+ Funds AvailableLock-in Period?Ongoing Charges <3%Purchase
Interactive BrokersNo Lock in

Find out more

Platform One Hallmark Savings PlanNo Lock in

Find out more

Old Mutual International EWANo Lock in

Find out more

RL360 Quantum Savings PlanLock in

Find out more

Generali Vision PlanLock in

Find out more

Old Mutual International MCALock in

Find out more

FPI Premier AdvanceLock in

Find out more

Zurich Vista Savings PlanLock in

Find out more

Hansard Vantage Platinum IILock in

Find out more


Regular fees (and the bid / offer spreads on funds which do NOT get included in illustrations) can wipe your investment out in the first few years– 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!

Look at our examples of the extra return, that you can make from your savings with identical contributions (same assumed growth rate) between ourselves and an independent ‘salesman’.

The examples below are for £500 and £1,000 per month contributions.

The Salesman example is a typical ’25 Year Term’ and has a two year ‘Initial Period’ this means that all contributions made in the first two years will go towards the charges of the savings plan. So if your circumstances changed after 23 months and you wanted your money, you would get Nothing back! as all the money paid in has gone towards charges and commission to the “Life Company” and the ‘Salesman’. It is known as A ‘Contractual Plan’.

The EME example has ‘No Term’, this means that you are able to access your money at any time, as there is ‘No Initial Period’ it is known as A ‘Non-Contractual Plan’.


Example 2: £500 per month savings plan over 5 years

£30,000 invested over 5 years
60%
EME Option Surrender Value at 9% Growth = £35,335
80%
Salesman Option Surrender Value at 9% Growth = £22,190
45%

Total benefit of EME to you = £13,145


Example 4: £1,000 per month savings plan over 5 years

£60,000 invested over 5 years
75%
EME Option Surrender Value at 9% Growth = £70,236
100%
Salesman Option Surrender Value at 9% Growth = £45,116
55%

Total benefit of EME to you = £25,120



Old Mutual International Managed Capital Account

What is the Old Mutual International (Formally Royal Skandia) Managed Capital Account?

The Old Mutual International Managed Capital Account is an offshore, unit-linked, non-qualifying whole of life assurance policy (or ‘bond’) that accepts single or regular premiums.

Offshore investment contracts grow tax-efficiently, as offshore based life assurance companies are not currently liable to any form of income or capital gains tax on policyholders’ funds. (However, certain investment income may be subject to a non-refundable tax deduction at source in its country of origin – ‘withholding tax’.)

Why choose the Old Mutual International Managed Capital Account?

Many investors find managing a portfolio of funds an administrative burden. With the Managed Capital Account, Old Mutual International takes care of this by establishing a portfolio of Old Mutual International funds within the Account and efficiently 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 Old Mutual International Managed Capital Account, 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).
  • Flexible premium payment facilities.
  • An unlimited number of switches and re-direction of funds at any time, free of Skandia administration charge.
  • Easy access to your Account by linking it with an offshore Lloyds TSB or Singer & Friedlander bank account.
  • Availability of partial or full encashment at any time (an Early Encashment Charge may apply).
  • A loan facility, whereby you can borrow up to 50% of the bid value of your Account.

Surrender of the Royal Skandia Managed Capital Account (MCA) savings plan:
A partial surrender on your savings plan may be treated as a one-off withdrawal but you may not surrender more than the encashment (surrender) value of the plan. Further details on how it is treated is available in the relevant brochure as it is complicated and encashment penalties on long term policies continue for years; a full encashment results in penalties being applied through surrender charges linked to the term of the policy. In effect this means that on polices with an original term of more than 15 years most, if not all, of the first 18 months-2 years premiums are lost upon surrender.


Generali Vision Plan

What is the Generali Vision Plan?

Policy Currency:

The Generali Vision plan 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 Generali Vision Plan?

Top performing funds, from the leading Fund Houses, offer a wide choice of investment profiles. You can choose from over 100* risk-rated funds covering all the major world markets and investment classes. The funds section contains performance statistics which are updated monthly, fund prices which are updated daily and Fund Fact Sheets on each fund. You can download current International Fund Performance and International Fund Selection leaflets as well as other fund information from the Literature and Forms section of the site.

Eligibility:

Generali Vision Plan is a regular premium, whole of life, life assurance contract issued by Generali International. It is available to most international investors.

Minimums:

The minimum regular premiums for terms of more than 10 years are USD150 monthly, USD450 quarterly USD900 half-yearly or USD1,800 annually. The minimum premiums of the Generali Vision Plan for terms of less than 10 years are three times these amounts.

For Singapore residents the minimum regular premiums for terms of more than 10 years are USD417 monthly, USD1,250 quarterly, USD2,500 half-yearly or USD5,000 annually. For Generali Vision
Plans with a premium payment term of less than 10 years the minimum annualised regular premium is USD50,000 divided by the premium payment term. The premium payment term is selected at outset for a minimum of five years although contributions may be continued after this time.

Surrender of the Generali Vision savings plan:

A partial surrender on your savings plan may be treated as a one-off withdrawal. Further details on how it is treated is available in the relevant brochure. A full encashment results in penalties being applied through surrender charges linked to the term of the policy. In effect this means that on polices with an original term of more than 15 years most, if not all, of the first 18 months-2 years premiums are lost upon surrender.


Zurich Vista Savings Plan

What is the Zurich Savings plan?

Zurich Vista is a life insurance product designed for the savings and investment market. Zurich Vista offers a wide range of unit-linked funds as well as access to the automatic investment strategy which automatically switches your investments from equity based funds to cash and bond-based funds as the policy gets closer to maturity.

You may invest regularly each month, quarter, half year or year. Zurich Vista also accepts single premium investments. Your investments buy units in funds you choose from the range available. The value of these units will reflect the overall value of your policy at any given time during the policy term.

Why Choose Zurich Vista savings plan?

The policy can be written on the following basis:

Single or joint life first death.
Own life or life of another.

Zurich Vista will automatically be terminated when:

The maturity date (or any new maturity date) is reached; or the amount of the savings account, plus any death benefit if applicable, is paid on the death of the life insured before maturity; or your policy is encashed prior to maturity; or your policy cannot sustain charges.

Zurich Vista provides you with access to over 180 externally managed ILP sub-funds and you can choose to invest in any combination, up to a maximum of 30 at any one time.

For detailed information on the sub-fund manager, objectives, composition, structure and performance of each sub-fund, please refer to the fund reports and directly to the individual sub-fund managers.

The value of your Zurich Vista policy will become payable at the maturity date. The value of your policy will also be paid if the life insured dies. The surrender value of your policy will be paid if the Zurich Vista policy is surrendered before the maturity date.

Surrender of the Zurich savings plan:

A partial surrender on your savings plan may be treated as a one-off withdrawal. Further details on how it is treated is available in the relevant brochure. A full encashment results in penalties being applied through surrender charges linked to the term of the policy. In effect this means that on polices with an original term of more than 15 years most, if not all, of the first 18 months-2 years premiums are lost upon surrender.


Friends Provident FPI Premier Advance Savings Plan

What is the Friends Provident FPI Premier Advance savings plan?

The FPI Premier Advance savings plan is intended for regular savings. It should not be taken out unless you intend to contribute for the majority of the term. Once started it must be continued for 18 months but thereafter payments can be reduced or stopped and restarted without penalty to meet changing circumstances. Lump sums may be added at any time and withdrawn
without penalty at any time. At maturity the plan pays out in full – it does not provide a pension.

Why Choose the Friends Provident FPI Premier Advance Savings Plan?

The first 18 months of your regular contributions plus the first 18 months of any increase are used to purchase initial units. These have a penalty if you withdraw them before the end of your plan. They also carry a penalty if you do not complete the first 18 months contributions (which can be up to 100%) or the first 18 months of any increase.

All regular payments for the FPI Premier Advance savings plan after the first 18 months are used to purchase accumulation units. Lump sums can be added at any time and also purchase accumulation units. All accumulation units can be withdrawn without notice at any time.

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 FPI Premier Advance savings plan charges:

The initial units have a charge of 1.5% per quarter and there is a plan fee of $6 per month.

There is no entry cost (bid-offer spread) for regular payments; they buy units at the bid (exit) price. However lump sums 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 savings plan 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.

The funds themselves have internal charges (but have been selected based on their net performance).

Surrender of the Friends Provident FPI Premier Advance savings plan:

A partial surrender on your savings plan may be treated as a one-off withdrawal. Further details on how it is treated is available in the relevant brochure. A full encashment results in penalties being applied through surrender charges linked to the term of the policy. In effect this means that on polices with an original term of more than 15 years most, if not all, of the first 18 months-2 years premiums are lost upon surrender.


Hansard Regular Premium Vantage savings plan

What is the Hansard Regular Premium Vantage savings plan:

Hansard Vantage is a regular contribution unit-linked contract designed for savings and retirement benefit planning.

Why Choose Hansard Vantage savings plan?

Applicants must be between 18 years and 65 years of age at date of commencement. It can be written on a single-life or joint-lives first-death or second-death basis. Applications cannot currently be accepted from residents of the United States of America and cannot normally be accepted from residents of the European Union member states.

Hansard Vantage Contract term:

The contract will mature on expiry of the term, which must be agreed at outset, unless fully surrendered prior to the end of the term. The term should be at least 10 years and no more than 25 years. Hansard Vantage is not suitable for contract holders who will be aged over 75 at maturity. The term should be for a complete number of years.

Maturity benefit:

At the end of the selected term, the value of the contract will be the value of the initial and accumulator units allocated, calculated at the applicable unit bid prices.

Minimum contributions:

Contract holders may make contributions in most freely convertible currencies, with the minimum contribution level being set at the date the contract is put into force by converting the GBP limit to the chosen contract currency. Once contributions have been made for two years, future contributions may be reduced or waived provided certain conditions are met.

Increases to regular contributions: (‘top-ups’)

Increases to contributions to the Hansard Vantage can be made at any time and are directed to a new contract. No service charge is applied on the new contract while the base contract is in force. The term of the new contract must be a complete number of years.

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.

Surrender and withdrawal from Hansard:

On early withdrawal from, or full surrender of, a Hansard Vantage contract after payment of the first two years’ contributions, the appropriate numbers of accumulator units are surrendered at their full unit value using the applicable unit bid prices. Following a withdrawal the contract must have an accumulator unit value of not less than GBP 1,000. Withdrawals are subject to a charge. Initial units have no monetary value except at the end of the chosen term or prior death. The minimum withdrawal at any time is GBP 100. In effect this means that most, if not all of the first 18 months-2 years premiums are lost upon surrender.


Royal London 360 Quantum savings plan

What is a RL 360 Quantum savings plan?

Quantum savings plan is a regular premium of shore savings policy issued in the Isle of Man by RL360 Insurance Company Limited (formally Royal London 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 quantum savings plan?

Individuals, companies or trustees can apply for Quantum savings plan provided they are not subject to any legislation which prohibits this type of investment. Individual applicants aged 18 or over can apply on a single or joint ownership basis (i.e. husband and wife), however the lives assured can be different to the applicants if required. There is no maximum age for individual applicants provided that the youngest life assured is no older than 65 years of age when the policy is issued.

Premiums:

At the start of your RL360 Quantum savings plan you have the option to select premium indexation which will allow you to increase your premiums automatically on each policy anniversary. You can choose to increase your premiums by either 5% or 10% per year of the original premium level. You can increase your premiums at any time on request. Each premium increase will create its own initial allocation period, surrender charges, premium incentive and loyalty bonus arrangements where applicable. There is no maximum premium limit. You can request a reduction in your premiums generally at the policy anniversary providing the policy has completed its initial allocation period.

Discontinuation of premiums:

Provided the RL360 Quantum savings plan has completed the initial allocation period and the fund value is above the minimum level*, a request can be made to discontinue the payment of future premiums into the policy, and change its status to paid up.
Standard charges will continue to apply, with the exception of the policy fee which will increase.

Surrender of the Royal London 360 (RL360) Quantum savings plan:

A partial surrender on your RL360 Quantum savings plan will be treated as a one-off withdrawal. Further details on how this works can be found in the section “Can I take withdrawals from my Quantum policy?” You can of course surrender your entire policy at any time, but you should be aware that if you cash in during the premium term, your fund value will be subject to a surrender charge and you may get back less than you invested. An RL360 Quantum savings plan surrendered within its original initial allocation period will acquire no surrender value – in effect suffering a 100% surrender charge. Once theRL360 Quantum savings plan has completed the initial allocation period, should the policy be surrendered in part or in full, then the initial units purchased will be subject to a surrender charge. The surrender charge applied is based on the remaining years of the premium term. In effect this means that most, if not all of the first 18 months-2 years premiums are lost upon surrender.


  • 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.