Gains from investments by insurance

Insurance companies often in the headlines for all the wrong reasons, such as the sale of shares in the market and destabilizing.

But for distributors funds, insurance companies have access to an entirely new customer base. Today, the emphasis on "the best rock 'leading insurers, the customer access to the widest possible range of investment funds. Some even offer hedge funds. There are long days, "only its own brand." Investing in the form of insurance provides valuable tax advantages for customers - so valuable that the British Government is considering changes.

The Holy Grail "for most investors is the ability to improve productivity without risk.

One way to achieve this is to some financial figures. Insurance may be investors to "wrap" in its portfolio, so that the tax is not collected in favor of negotiations between the various funds. Everything is possible, once again arrived in new assets, not just the net profit after tax.

Revenues may also be combined - no need to disseminate this case is not required. Thus, investors in lower risk assets, such as cash, bonds and investment guarantees could prevent the tax burden if you do not profit and loss.

Insurance can be regular contributions - in the United Kingdom, should continue for a period of 10 years for tax relief - or a single investment.

Single premium policies, also known as offshore bonds, residing in the United Kingdom allowed the withdrawal of regular income without any immediate tax liability. Investors can save up to 5 per cent of the initial investment each year, if the amount of its initial investment was withdrawn, but are not obliged to pay taxes until the bond is collected. Each of the 5 percent set aside "subsidy" is not a year may be postponed.

Individuals or his advisers, or hoped, the company can buy the bonds at sea, to celebrate its proposal to the portfolio. Bonds on the high seas could be a number of investments, cash and fixed income to equities, hedge funds and structured investments, such as the seizure of guarantees. However, living in the United Kingdom and can not intervene directly in individual securities.

The portfolio may be the choice of investment insurance company in the menu. Thus, the United Kingdom, similar to that of France and other countries. Many insurance companies allow investors to funds not included in the list, provided they meet certain criteria, or the transfer of portfolios in the care of their portfolio managers to manage quite arbitrary.

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