Investors Trust Platinum Plus Review

Jan 27

Investors Trust Platinum Plus is The Cheapest Version of the Platinum Investment Plan

The Investors Trust Platinum Plus investment plan is the cheapest version of the Platinum Investment Plan. It is designed for the investors who have at least USD 100,000 to invest, and those who don’t want any commitment to invest money in a contractual savings plan, even for 5 years.

The Investors Trust Platinum Plus Investment Plan Offers the Following Benefits:

  • Wide range of investment options
  • Online account access
  • Security through the safe and private custody of assets
  • Liquidity
  • Ability to change investment strategies online
  • Facility to receive regular income from portfolio
  • Different plans to choose from
  • (To keep things simple, I am reviewing the different plans separately).

Minimum Contributions & Surrender Charges (How long your money is locked-in)

Minimum Contribution - USD/EUR/GBP 100,000 one-time.

Additional Contributions - USD/EUR/GBP 10,000 (whenever required)

The Investors Trust Platinum Plus Investment Plan has no surrender charges at all, and all of your money is accessible from day one.

However if you have USD 100,000 to invest, the Momentum Wealth Personal Portfolio Investment plan offers better ETF/fund range, and lower charges at this entry point.

Capital Protection

The Investors Trust Platinum Plus Investment Plan is not ‘Capital Protected’ regardless of the version selected. While this is true, other mutual fund based investment plans in the market are not capital protected as well.

Investors Trust offers a ‘Capital Protected’ Investment plan called the S&P500 Index 7Y Lump sum Investment Plan which invests in the S&P500 index.

Investment Options (Where the money can be invested)

Warren Buffet recommends investing in low cost index-funds. The Investors Trust Platinum Plus Investment Plan offers around 150 investment funds including 17 low-cost Exchange Traded Funds (ETFs), apart from mutual funds to choose from.

Some of the fund managers include - Alliance Bernstein, BlackRock, Fidelity, Franklin Templeton, GAM, Henderson, Investec, iShares, Invesco, Man Investments, MFS International, Morgan Stanley, Pictet International, PIMCO, Schroders, etc…

  Some of the ETFs offered have annual charges as low as 0.1% per annum.

Charges

Annual Administration Charge - Nil

Bid/Offer Spread - Nil

Policy Fee - Nil

Asset Management Fee - 0.125% monthly (1.5% p.a.) of fund balance as long as money stays invested.

What you would end up with if:

You invest - USD 100,000, and withdraw after 10 years for example,

You get at the end of the 10 years - USD 215,892 with an assumed growth rate of 8% (net of charges).

What an actual quote looks like:

Click on the images below to magnify them. 

Investors Trust Platinum Plus Quote
Investors Trust Platinum Plus Quote

Investors Trust Platinum Plus

8.7
Flexibility 10.0
Investment Options 7.5
Charges 7.5
Online Access 9.0
Customer Service & Admin 9.5

For

  • Lower charges for the USD 100,000 investment point
  • Very flexible to change as required
  • No surrender charges or lock-in period
  • Very good ETFs and Fund Range to choose from
  • Best online access portal

Against

  • Capital protection is not available
  • AED investment option not available.
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About the Author

Amit is an Independent Financial Advisor, based in Dubai since 1997. He is part of the prestigious ‘Million Dollar Round Table’ (MDRT), which is an elite club of the best financial advisors worldwide.

He has authored the ‘6-Step Financial Success Guide’, and the book ‘Creating, Preserving, Distributing Wealth’.

He helps business owners and professionals ‘Create A Second Income’ through investments.

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