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Home arrow News and Articles arrow What Investment Give you 100% Capital Guarantee?
What Investment Give you 100% Capital Guarantee? Print E-mail
As the financial crisis deepens, Capital Preservation - How to Protect Your Capital from losing its value become important. However, most investments out there only give you Capital Guarantee when the company (Bank/Insurer) is OK, if the company goes bust, your capital is gone.
 

Are there investments out there that can give you 100% Capital Guarantee even if the company (Insurer) collapses? The answer is yes, and the investment is known as TradedEndowment.  
 

(IFAs) or  Independent Financial Advisers look to Traded Endowments for guarantees and returns
Leading market maker PolicyPlus has found that IFAs whose clients are frustrated with cash rates and looking for a safe alternative are choosing Traded Endowments (TEPs).

Interest rates are currently so low that holding cash over the medium and long term can significantly erode capital. For example, over 10 years, £15,000 invested with a 5% return would grow by an extra £6,149 compared to an interest rate of even 2%.

The potential returns from TEPs are much higher than cash deposits even though the capital guarantees are almost as good - and in some cases better than cash!

Andrew Briggs, of Oakleaf Independent Financial Services comments,

"I recommend TEPs to clients who are looking to make their money work harder and are able to invest for 5 years or more. The guarantees are excellent, they are tax efficient and they provide the prospect of good rates of return."

Jo Bridger of policyplus added,

"TEPs are very flexible and can be used for objectives such as retirement savings, wealth accumulation and children education plans. With many TEPs now providing over 100% capital guarantee and with interest rates so low, it is not surprising that IFAs are turning to TEPs for the low risk element of their clients' portfolios."

 

For more information on (TEP) Traded Endowment Policies, you can email to This e-mail address is being protected from spam bots, you need JavaScript enabled to view it This e-mail address is being protected from spam bots, you need JavaScript enabled to view it or call them at 6883 2235. 

 

P.S. I have personally invested 12% of my money into TEPs becos of the High Capital Guarantee and reasonably attractive annual returns of 5% to 8%.

 

Now is a very good opportunity and time to invest into UK Traded Endowment and here are the reasons why:

 

1. Sterling pounds is trading at the lowest level against S$ in over 15 years.   Of course, no one can guarantee that this is the lowest level it can get, but the chances of the exchange rate to be higher in say, 5 years' time from now is very high and the chances of the exchange rate to be lower than current level is extremely unlikely in 5 years' time.

 

2. Most of the UK Insurers have already cut bonus on their Endowment policies. What it means is that the chance that UK Insurers might cut bonus further is low. In other words, the chance that UK Insurer can deliver the returns based on current Low bonus rates is very, very high. None of the UK Insurers are in trouble, while UK Banks are in trouble. Why? Because UK Insurers are  not allowed to invest in anything relating to sub-prime. That saved them from the current Financial Crisis.

 

3. In recent months, many financial institutions have collapsed. The unique thing about UK Traded Endowment is the Statutory Guarantee provided by the Financial Services Compensation Scheme. Even in the worst case scenario should the UK Insurer collapses, you still get back at least 90% of the Cash Value of the Endowment policy. There are instances, whereby you can get policies with over 110% Capital Guarantee, thus 90% Guarantee would work out to 100% Guarantee on your Capital.

 

I cannot think of any other investment that offers such a high level of Protection and Guarantee.

 

4. UK Traded Endowment has been allowed by MAS (Monetary Authority of Singapore) for retail investors to invest in since 1 July 2004.  This shows that UK Traded Endowment has passed through the scrutiny of MAS and come out ok.

 

5. Because of weak market conditions, it is possible to invest into UK Traded Endowment policies at a Low price now. Low price is bad for the sellers, but it is really good news for investors, who are buying the UK Traded Endowment policies.

 

Buy Low is one of the ways to reduce your risks.   It is always good to buy things for a good bargain and at a great discount. Thus, I'm getting very excited, what about you?

 

For more information on (TEP) Traded Endowment Policies, you can email to This e-mail address is being protected from spam bots, you need JavaScript enabled to view it This e-mail address is being protected from spam bots, you need JavaScript enabled to view it  or call them at 6883 2235. 

 

Regards.

 

Dennis Ng, http://www.HousingLoanSG.com
 
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