Capital International Group Review

Updated April 1, 2021

This article will review Capital. International Group.If you are an expat and have been proposed Capital International Group and want a more in-depth review of this and other plans, alongside customer reviews and questions at the bottom of the page, please visit here.

For those that prefer visual content, the video below summaries the article below:

Who are Capital International Group

Capital International Group offers an investment platform to investors globally, and is based out of the Isle of Man.

This article will review the platform, and explain why some investors will get good returns and others won’t.

Finally I will explain what unhappy clients can do if they have the policy.

If you want to contact me about investing, or you have an existing Capital International Group policy and you aren’t happy, you can contact me on or use the chat function below.

Where is the platform sold?

Globally, but often in expat-focused areas such as Dubai, Shanghai, Saudi Arabia, Hong Kong, Singapore, Brussels, Bangkok, Kuala Lumpur, Qatar, Amsterdam, Moscow, Nigeria and various other locations.

What are the account minimums?

Unlike some other options, the minimums aren’t published on the website, but most people start with at least $10,000 — with $50,000-$150,000 being an average client size.

What is the duration of the investment?

Money can be invested and pulled out, without penalty, at any point. However, as 5,000 funds can be chosen, some funds will have exit charges.

What are the costs of the platform?

The actual platform cost can be as little as 0.2% a year. Once you add the costs of the advisory fees (and asset management fees) however, and you can be charged up to 4%-5% per year, depending on which options are chosen by the advisor and client.

This is one of the reason why some clients get better returns than others. Client one could be in index-linked investments charged at 0.1%, whilst another client could be in expensive investments with hidden fees.

What are the positives of the platform?

Capital International offers an excellent online system, with ease of topping up, withdrawal and other admin done efficiently.

The costs are also reasonable, depending on the charging structure chosen.

The regulation is also good although this is a double edged sword as I will discuss more bellow.

What are the negatives of the platform?

The fact numerous fund options can be chosen is great, but that does mean that some clients are in expensive funds, whereas cheaper options exist on the same platform. Two investors who have different funds will get very different results, even on the same platform.

The fact that Capital International Group is based in Isle of Man is also not especially a positive.

The territory has become increasing restrictive in recent years which mean that setting up and administering accounts has become more time consuming.

Besides all major offshore centres now have proper investor protections.

So Isle of Man, Bermuda or Puerto Rico isn’t really an important debate in this day and age.

What can you do if you have a Capital International plan which isn’t performing well?

If you are a client of Capital International and you aren’t satisfied with the returns, there could be two reasons for this. Either markets aren’t performing well, which can’t be helped in the short-term.

In comparison, the second reason is that bad funds have been picked. In which case, it should be much easier to make the account work more efficiently.W


Capital International Group has plenty of positives, and some great investment choices.

Your investment success will depend on your advisor, and your own investment behaviours.

Therefore, if you have an existing policy, or indeed you are planning to buy a new one, it makes sense to compare and contrast this option, with others in the market.

Further reading

Is property always a great investment? The article below considers emerging market property by using a funny analogy.

Blog Comments

Glad you enjoyed it.

Add a comment

*Please complete all fields correctly

Related Blogs