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Reseña del Portafolio de Renta Fija de Investors Trust

En esta reseña del Investors Trust Fixed Income Portfolio revisaremos las características, ventajas y riesgos de esta opción de inversión.

Es importante destacar que muchos inversores que desean conservar efectivo o jubilados prefieren portafolios de renta fija por su capacidad de ofrecer ingresos estables. No obstante, estos instrumentos también presentan riesgos.

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 optimizar inversiones e identificar oportunidades de crecimiento.

Algunos datos podrían haber cambiado desde la redacción. Nada en este texto constituye asesoría financiera, legal, fiscal o personal, ni representa una invitación a invertir o recomendación de productos o servicios específicos.

Antecedentes: ¿quién es Investors Trust?

El Grupo ITA, una compañía aseguradora multinacional, está representado por Investors Trust. La firma ofrece portafolios de renta fija con protección de capital e inversiones alternativas en varios productos de capital único.

Además, ofrece soluciones unit-linked para inversores offshore, permitiendo estrategias personalizables alineadas a metas financieras.

Investors Trust Fixed Income Portfolio

🔹 15 años a Tasa Variable

  • Portafolio en USD con tasa variable durante 15 años
  • Aporte mínimo: $2.400 anuales; opciones de “rider” permiten sumas adicionales
  • Tasa SOFR base: entre 3,50 % y 6 % anual
  • Frequencia de pagos: anual, semestral, trimestral o mensual
  • Protección del 100 % del capital por toda la duración
  • Cargos: 1,125 % anual de administración; sin spread bid/offer; primer año sin cargo; después $7 mensuales
  • Bonificación de lealtad: 7,5 % en contribuciones de años 1–10, 5 % en años 11–15
  • Retiros parciales gratuitos tras el Segundo año (capital + interés), manteniendo padrón mínimo de $2.400
  • Si se retira anticipadamente, tasa baja al 3,5 % anual
  • Beneficio por fallecimiento: 101 % del valor de cuenta
  • Edad permitida: 18–70 años

🔹 3, 5, 7 & 10 años a Tasa Fija

  • Planes en USD por 3, 5, 7 y 10 años
  • Monto mínimo: $10.000; “rider” disponible para incrementos anuales
  • Tasas de retorno según duración: de 3,75 % (3 años) a 4,75 % (10 años)
  • Protección del capital 100 % garantizada
  • Sin cargos administrativos; cuota mensual de póliza de $7
  • Beneficio por muerte: 101 % del valor de rescate
  • Edad permitida: 18–85 años

Pros y Contras del Portafolio de Renta Fija

Ventajas

  • Capital garantizado
  • Ingreso constante y predecible
  • Mínimos accesibles y bajas penalizaciones por rescate
  • Costos transparentes y competitivos
  • Bonificaciones por lealtad basadas en aportes regulares

Riesgos

  • Retiros anticipados pueden penalizar según la duración de la póliza
  • Los rendimientos pueden fluctuar según condiciones de mercado
  • Existe correlación negativa entre tasas de interés y rendimiento de renta fija
  • La inflación puede reducir el poder adquisitivo de los retornos fijos
  • Actualmente se pueden obtener 6–8 % en instrumentos calificados A mejor que en este producto

Conclusión

Este es un producto conservador, con retornos previstos menores que otras alternativas más agresivas. Está indicado para quienes valoran la estabilidad y protección del capital.

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