Product overview

For clients who have accumulated capital from savings or have received a lump sum of cash from the sale of a property, a bonus, an inheritance or other windfall, there is a wide range of investment options available.

Choosing the right one will depend on a number of factors including the size of the lump sum, the length of time clients wish to invest for and the amount of diversification required in constructing the underlying investment portfolio.

Many clients want to avoid the situation where they have investments around the world. They may find it difficult to keep track of what is invested or presented with logistical issues when attempting to gain access to or manage the investments across several jurisdictions.

At PIMS we provide solutions that make investing a lump sum easy.

The Prestige Portfolio Bond (PPB) is an open-architecture, life assurance product designed to receive lump sum contributions, combining wealth management and estate planning options with tax-efficient investing.

PPB provides a flexible method of investing with the potential for growth over the medium to long term. It is designed to allow capital to grow and provides the option for the policyholder to take ad-hoc or regular withdrawals.

The policyholder can enjoy significant investment freedom by diversifying investments across a wide range of different assets, according to their wishes, financial goals and attitude to risk.

PPB provides both flexibility and control to manage investments in a tax-efficient environment. Its versatility means that it is equally effective whether the investment strategy is geared for growth, capital preservation or to provide a regular income.

PPB is available in a wide range of countries around the world and can be denominated in a choice of currencies.  Please take independent professional advice for investment and tax purposes.

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  • Important Documents
  • Illustrations
  • Charges and Fees
  • Life Insurance
  • Important Information

A Lump Sum international investment plan with a wide range of investment funds from some of the world’s leading asset managers, allowing investors the opportunity to create a diversified portfolio with medium to long term growth potential.

  • Open-ended plan allowing the investor the freedom to choose when to take the benefits
  • Can be denominated in USD, GBP or EUR
  • Access to leading fund managers or portfolio managers
  • Selection of up to 10 investment funds
  • Online access with option to re-balance the portfolio
  • Low minimum investment flexibility to make additional contributions at any time
  • Loyalty bonuses* to help savings grow more quickly
  • Liquidity – the option to make partial withdrawals up to 10% of the account value annually or borrow against the cash value of the plan
  • Tax efficient investment

Download the Premier Trust Brochure and Product Profile

* Certain conditions apply to the loyalty bonus. For Lump Sum plans, the loyalty bonus is credited at the end of the establishment period provided that no partial surrenders or policy loans have been made throughout the life of the plan. For regular contribution plans, the loyalty bonus does not begin to be credited until the end of year 10 provided that no partial surrenders, policy loans or premium decreases have been made throughout the life of the plan. Policies which lapse do not qualify for the loyalty bonus. For further information please consult the Trust and Plan documents.

Investment opportunities providing annual stock market returns with the benefit of Principal Protection at plan maturity.

  • A Lump Sum investment plan with index options that links returns to some of the world’s major stock market indices
  • Can be denominated in USD, GBP or EUR
  • Principal Protection* up to 100% of contributions
  • Returns linked to some of the world’s major equity indices
  • Selection of up to five indices for maximum diversification and access to the world’s fastest growing economies
  • Investment maturities: 5, 7 and 10 years
  • Flexibility to make additional contributions to leverage favourable market conditions
  • Loyalty bonuses** credited at plan maturity
  • Tax efficient investment

Please download the:
Premier Trust brochure
Premier Principal Protection – Product Profile
Premier Principal Protection Plus – Product Profile

* For regular contribution plans, all contributions must be made within the grace period to qualify for the Principal Protection. Policy loans, partial surrenders and premium decreases will void the Principal Protection benefit for all plans. The underlying Principal Protection is derived from Structured Notes issued by financial institutions rated A or better by Standard and Poor’s, Moody’s or Fitch. The investor is facing issuer/counterparty and/or investment risk of these products and institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. Please see plan documents for further details.

** Certain conditions apply to the loyalty bonus. For Lump Sum plans, the loyalty bonus is credited at the end of the establishment period provided that no partial surrenders or policy loans have been made throughout the life of the plan. For regular contribution plans, the loyalty bonus does not begin to be credited until the end of year 10 provided that no partial surrenders, policy loans, or premium decreases have been made throughout the life of the plan. Policies which lapse do not qualify for the loyalty bonus. Please see plan documents for further details.

Non-Market Based Funds

Commercial Finance Opportunities: Asset Based – Direct Lending / Invoice Finance – AIFMD Compliant

Prime Alternative Finance: Asset Based – Direct Lending / Asset – Project Finance – AIFMD Compliant

Multi Finance Opportunities: Fund of Funds – (Credit & Direct Lending Strategies)

Prestige Alternative Finance: Asset Based – Direct Lending / Asset – Project Finance

To find out more about Prestige funds, please visit www.prestigefunds.com or email info@prestigefunds.com.