Reseña del Plan de Ahorro Investors Trust Evolution

En esta reseña del Investors Trust Evolution Savings Plan, revisaremos las características del plan de ahorro ofrecido por el proveedor, además de señalar beneficios y riesgos.

El plan de ahorro Investors Trust Evolution puede utilizarse para ahorro educativo o jubilación, en USD, EUR o GBP. Cuanto mayor sea el compromiso, mayor será el potencial de ahorro. Cuando las contribuciones anuales superan ciertos límites, se asignan montos adicionales para ayudar a alcanzar objetivos de inversión futura.

Si deseas invertir como expatriado o persona con alto patrimonio neto, puedes escribirme al correo (hello@adamfayed.com) o por WhatsApp (+44‑7393‑450‑837).

Esto incluye si estás buscando un servicio gratuito de revisión de cartera para expatriados, con el fin de optimizar tus inversiones e identificar nuevas oportunidades de crecimiento.

Algunos datos pueden haber cambiado desde la redacción. Nada de lo aquí escrito constituye asesoría financiera, legal, fiscal o personal, ni representa una invitación a invertir o recomendación de productos o servicios específicos.

Diversos inversionistas tienen tolerancias distintas al riesgo. Investors Trust ofrece productos de capital único para atender esas necesidades, incluyendo inversiones alternativas y carteras de renta fija con protección de capital. La firma prioriza estrategias creativas que aseguren el capital, generen ingresos regulares y, en algunas ocasiones, aprovechen fluctuaciones del mercado.

Proporciona soluciones unit-linked orientadas al acceso a mercados globales para inversionistas extranjeros, con presencia en Cayman Islands, Malasia y Puerto Rico, atendiendo clientes a nivel internacional.

Características del Investors Trust Evolution Savings Plan

Investors Trust Evolution Savings Plan

Plan flexible en USD, EUR o GBP
Contribución anual mínima: 1.200 (duplicada para planes de 5 años), con incremento anual mínimo de 600
Modalidades de pago: anual, semestral, trimestral o mensual
Plazos disponibles: 5, 10, 15, 20 o 25 años
Comisión administrativa: 1,9 % anual durante los primeros 10 años, luego 0,35 %
Comisión de estructura: 0,125 % del valor de la cuenta
Cuota de póliza: 7 USD/EUR o 4,5 GBP al mes
Spread bid/offer: ninguno
Beneficio por fallecimiento: 101 % del valor de la cuenta
Transferencias de fondos: gratuitas
Penalizaciones por rescate según años restantes del contrato
Retiros parciales permitidos tras el plazo inicial con valor mínimo de rescate de 1.200
Edades de entrada: de 18 a 80 años para plazos de 5 años (reduce con plazos más largos)

Investors Trust Evolution Plus Savings Plan

Elegido “Best International Savings Plan” por International Investment
Disponible en USD, EUR y GBP
Contribución anual mínima: 12.000
Riders disponibles para aportes únicos mínimos de 2.500
Incrementos anuales de al menos 12.000
Modalidad de primas: anual, semestral, trimestral o mensual
Sin comisión administrativa anual ni spread bid/offer
Cuota de póliza: 10 USD/EUR o 7 GBP al mes
Comisión de estructura: 0,16 % del valor de cuenta (1,92 % anual)
Comisión por uso de tarjeta de crédito: 3,5 %
Transferencias de fondos gratuitas
Beneficio por fallecimiento: 101 % del valor
Penalizaciones por rescate: 1,92 % el primer año, luego 0 %
Retiros parciales permitidos con valor mínimo de rescate de 10.000
Edades permitidas: 18–85 años

Investors Trust Evolution Select

Contribución mínima anual: 12.000 USD/EUR/GBP
Riders para aportes únicos mínimos de 2.500 y aumentos anuales de 12.000
Frecuencia de pago: anual, semestral, trimestral o mensual
Sin spread bid/offer
Comisión administrativa: 1 % sobre prima original durante los primeros 5 años
Cuota de póliza: 10 USD/EUR o 7 GBP mensuales
Comisión de estructura: 0,125 % mensual del valor de cuenta (1,5 % anual)
Comisión por tarjeta de crédito: 3,5 %
Transferencias de fondos gratuitas
Beneficio por fallecimiento garantizado del 101 % del valor de la cuenta
Retiros parciales permitidos con valor mínimo de rescate de 10.000
Penalizaciones por rescate de 4 % en año 1 a 0 % en año 5
Edades elegibles: 18–85 años

Pros y Contras del Plan de Ahorro

Ventajas

Fidelización y asignaciones adicionales
Amplia variedad de fondos mutuos
Gran diversidad de gestores de activos
Seguimiento del portafolio en línea
Baja inversión inicial mínima
Transferencias de fondos sin costo
Más económico que muchos planes similares

Desventajas

Para quienes pueden invertir un monto único alto, los productos de capital único podrían ser más adecuados
Quienes necesiten retirar antes de la madurez pueden enfrentar penalizaciones según la duración de la póliza
Los rendimientos no están garantizados, a diferencia de un simple fondo tipo S&P 500

Conclusión

Este plan es más económico y flexible que muchos competidores, con amplia variedad de fondos disponibles. Sin embargo, es adecuado solo para ciertos perfiles; conviene evaluar si coincide con tus objetivos y considerar asesoramiento profesional.

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