Savings Plans

Product overview

Our range of savings plans is designed for clients wishing to accumulate a cash lump sum by making regular contributions.

Prestige savings plans are offered through a British Virgin Islands trust structure (Premier Trust) which can provide asset protection, privacy and tax exemption on capital gains and estate planning advantages.

Premier Trust invests the net proceeds according to the investment directions given to the trustee. Accumulated savings are held in safe custody by Union Bank of Switzerland (UBS) which has its headquarters in Switzerland and a presence in all major financial centres around the world.  Individuals should obtain independent tax advice.

Prestige Provest Principal Protection is a medium to long-term, regular contribution plan with access to Stock Market investments and a series of minimum Principal Protected options at 10, 15, 20 and 25 year maturity dates.

  • A regular contribution plan offering a unique range of benefits
  • Principal Protection*
    • 125% of Contributions (year 10)
    • 140% of Contributions (year 15)
    • 150% of Contributions (year 20)
    • 160% of Contributions (year 25)
  • Annual returns linked to internationally recognised Stock Market indices
  • Selection of up to five equity indices for maximum diversification across the globe
  • Plans can be surrendered for full value at any time between 15 and 25 years*
  • Fixed term 10-year plan also available
  • Flexible premium payment methods: monthly, quarterly, half yearly, annually and the option to pay all plan
  • contributions in advance
  • May be suitable for those saving for retirement
  • Plans can be denominated in USD, GBP or EUR
  • Loyalty bonuses* to help savings grow more quickly
  • Extra allocation bonuses to boost savings

* Subject to Terms and Conditions – please refer to the Premier Trust Brochure

Product Profile – Provest Principal Protection 25 (15 to 25-year term)*
Product Profile – Provest Principal Protection 10 (fixed 10-year term)

Prestige Provest Global Funds plan is a medium to long-term regular contribution programme which offers potential for growth while allowing adjustment to the investments to maximise investment opportunities and plan for life’s changing needs.

  • Wide choice of global investment funds allows flexibility to create a portfolio to match your risk profile
  • Access to leading fund managers:
    • Prestige Funds
    • Blackrock
    • Franklin Templeton
    • Investec
    • Morgan Stanley
    • MFS Meridian
    • State Street Global
    • Legg Mason
    • Alliance Bernstein
    • Invesco
    • Vanguard
    • Wisdom Tree
    • Shariah Compliant Funds
  • Online access with fund switching capability
  • Selection of up to five investment funds
  • Loyalty bonuses* to help savings grow more quickly
  • Extra allocation bonuses to boost savings
  • May be suitable for those saving for retirement
  • Low minimum investment
  • Flexible contributions

* Subject to terms and conditions, please refer to the Premier Trust Brochure

Product Profile

New Horizon offers a solution for those investors who currently have long-term, regular contribution plans which have not generated the returns they expected. New Horizon allows these investors to transfer or rollover their existing investments to secure a Principal Protected* return of 120% with 100% participation in the growth of up to five of the world’s leading stock market indices.

  • Investment maturity: 10 years
  • Principal Protection* of 120% of regular contributions and the initial rollover amount
  • Selection of up to five indices for maximum diversification
  • Loyalty bonuses* to help savings grow more quickly

This plan may be ideal for those who would like to shorten their investment horizon as well as combine several existing plans into one new plan that will protect their initial investment and regular contributions.

The accumulated savings are held in safe custody by the Union Bank of Switzerland (UBS) with headquarters in Switzerland and a presence in all major financial centres around the world.

* Subject to terms and conditions

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