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Recensione del Portafoglio a Reddito Fisso di Investors Trust

In questa recensione del Investors Trust Fixed Income Portfolio esamineremo le caratteristiche, i vantaggi e i svantaggi di questa opzione di investimento.

Da notare che molti investitori che desiderano conservare liquidità o pensionati apprezzano i portafogli a reddito fisso per la loro capacità di offrire un flusso costante di reddito.

Tuttavia, anche questi investimenti presentano rischi.

Se desideri investire come espatriato o persona con alto patrimonio netto, puoi contattarmi via email (hello@adamfayed.com) o su WhatsApp (+44‑7393‑450‑837).

Questo include se cerchi un servizio gratuito di revisione portafoglio per ottimizzare i tuoi investimenti e individuare opportunità di crescita.

Alcuni dati potrebbero essere cambiati dalla data di redazione. Nulla di quanto scritto costituisce consulenza finanziaria, legale, fiscale o personale, né rappresenta invito a investire o raccomandazione di prodotti o servizi specifici.

Background: chi è Investors Trust?

Il Gruppo ITA, un gruppo multinazionale assicurativo, è rappresentato da Investors Trust. L’azienda offre portafogli a reddito fisso con protezione del capitale e investimenti alternativi in vari prodotti a capitale unico.
Forisce soluzioni unit-linked per consentire a investitori offshore l’accesso ai mercati internazionali e permette strategie personalizzate in base a obiettivi finanziari.

Investors Trust Fixed Income Portfolio

🔹 15 anni a Tasso Variabile

  • Portafoglio denominato in USD con tasso variabile per 15 anni
  • Contributi minimi: $2.400 annui, con possibilità di “rider” per integrazioni annuali
  • Tasso basato sul SOFR: tra il 3,50 % e il 6 % annuo
  • Pagamenti premi: annuali, semestrali, trimestrali o mensili
  • Protezione del 100 % del capitale per l’intera durata
  • Commissioni: 1,125 % annuo di amministrazione; nessuno spread bid/offer; primi 12 mesi gratuiti; poi $7 al mese
  • Bonus fedeltà: 7,5 % sui contributi nei primi 10 anni, 5 % nei successivi 5
  • Riscatto parziale gratuito dopo il 2º anno (interessi + capitale), mantenendo valore minimo di $2.400
  • In caso di prelievo, il tasso si riduce a 3,5 % annuo
  • Benefit per decesso: 101 % del valore del conto
  • Età investitore: 18–70 anni

Investors Trust Fixed Income Portfolio

🔹 3, 5, 7 & 10 anni a Tasso Fisso

  • Opzioni in USD con durata da 3 a 10 anni
  • Contributo minimo: $10.000; “rider” consentito per aumenti annuali
  • Rendimento variabile in base alla durata: da 3,75 % (3 anni) a 4,75 % (10 anni)
  • Protezione del 100 % del capitale
  • Nessuna commissione amministrativa annuale; enjoy policy fee di $7 mensili
  • Benefit morte garantito: 101 % del valore di riscatto
  • Età ammissibile: 18–85 anni

Pro e Contro del Portafoglio a Reddito Fisso

Vantaggi

  • Protezione del capitale garantita
  • Reddito stabile e prevedibile
  • Minimi accessibili e penali di riscatto contenute
  • Struttura di costi chiari e competitivi
  • Bonus fedeltà basati sui contributi incentivanti

Rischi

  • Riscatti anticipati possono comportare penali legate alla durata della polizza
  • I rendimenti possono essere influenzati dalle condizioni di mercato
  • Esiste una correlazione inversa tra tassi di interesse e rendimento a reddito fisso
  • L’inflazione può erodere potere d’acquisto dei rendimenti fissi
  • Con i tassi attuali, strumenti di rating A possono yieldare il 6–8 %

Conclusione

Si tratta di un prodotto conservativo, con rendimento atteso inferiore rispetto ad altre opzioni più dinamiche. È adatto a chi valuta stabilità e protezione del capitale.

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