Most offshore Financial Advisers will immediately offer you the products of an offshore life company. Offshore-Rebates.com remains unconvinced that this in the best interests of the client in most cases. It is our policy not to offer regular savings plans with fixed terms from any provider. In our experience these schemes are very expensive and inefficient, having high initial and ongoing costs together with large surrender penalties. This leads to unhappy clients. All of our regular savings plans have very low costs, no fixed contribution periods, complete flexibility and penalty free access to your capital at any time. We would only use the products of a life company where we can see clear advantages to you, and we will clearly set these out for you at the time we offered the product.

Example 1.
Client A wants to invest £500 per month. We offer a massive saving over most life company products as we have no plan "initial" charges, no "monthly admin fees", and very low costs. We would expect to offer a regular savings unit trust, and for you to pay usually just 2% per contribution on this, as and when you make a payment. That is all. (Some of the plans available would be at 3-4% as a maximum as we have been as yet unable to negotiate those down any further). This is deducted from the contribution and only as you pay it. This is far less than the 7% bid/offer spreads, plus between 6-8% pa initial charges, mirror fund charges, admin and policy fees which are typically charged by life company pension/savings plans as standard. This means that in this example the client pays just £10 per month to run his scheme. All of his funds are available at any time, without penalty. This, due to a massive saving on costs and "the miracle of compounding", saves him or her literally thousands in costs over the years. I cannot over emphasise this. Some life company plans need you to make 16-18% pa in the first year or more, just to stand still. Add in that you have to then make 7% pa to break even in later years, and …..well just do the math!

Example 2.
Client B wishes to invest £50,000 as a lump sum. Offshore-Rebates.com would normally recommend an investment into straightforward managed funds, usually offshore. These are the very same underlying managers that the life companies use. However we can deal directly with the funds and save you a lot in fees. Normally we would expect to save you 2-3% (20-66%) on these but it varies from provider to provider and even sometimes from fund to fund. We are able to offer discounted funds or products from virtually any leading provider.

Example 3.
If circumstances dictate that it is going to be beneficial to yourself as an investor we may recommend use of an offshore bond or a company or trust to hold your investments. If and when we do this we can usually do so at considerably lower than standard retail terms.