Global Investments
International Limited
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Global Banking
Trust Services
Offshore Banking
Retirement Plans
Protected Bonds
School Fee Plans
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Financial Consultants, Investment Advisors, Bangkok, Thailand, Asia
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Dec
2007 - Issue
72 |
Previous Issues |
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The Global Investor is a monthly
newsletter that covers global investment opportunities and
insurance for the expatriate community. This monthly
newsletter's goal is to inform the reader of what can and
cannot be done in the investment arena when living and
working in a foreign country. Whether it's personal
pension plans or disability insurance to protect your income
- Global Investments has the expertise to handle all the
expatriate investors' needs.
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Aviva With Profits -
A great investment option in volatile times
Key Benefits of Aviva Global With Profits
The Aviva Global With-Profit Bond is an investment plan that offers clients:
- An opportunity to invest from £10,000 (S$ 15,000 or US$ 15,000) in a with-profit fund
- An opportunity to invest in with-profit funds of three currencies, each of which has a different combination of asset allocation: Sterling, Euro and US Dollar.
- A money-back guarantee at the tenth anniversary (or during the subsequent two-week period).
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| Extra Allocation |
Amout you invest |
Allocation Rates |
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£10,000-£49,999
£50,000-£99,999
£100,000-£249,999
£250,000- plus |
100.00%
100.5%
101.5%
102.0%
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Returns for Clients
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- Regular unitised bonus rates maintained for the fifth year running for new business investment bonds
- Final Bonus rates have increased significantly with all policies increasing in value in 2006
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| Regular Bonus 2007 |
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Sterling = 5.00%
US Dollar = 4.75%
Euro = 4.75%
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| Final Bonus |
2003 investments |
Sterling = 36% (19%)
US Dollar = 27% (9%)
Euro = 30% (16%)
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2004 investments |
Sterling = 27% (14%)
US Dollar = 21% (5%)
Euro = 24% (11%)
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2005 investments |
Sterling = 17% (4%)
US Dollar = 15% (2%)
Euro = 14% (3%)
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2006 investments |
Sterling = 5% (1.75%)
US Dollar = 9% (1.75%)
Euro = 6% (1.75%)
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2007 investments |
All currencies = 1.75% from
day one on a pro-rata basis |
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Other Features:
Charges
- 1.4% of the money originally invested, not the growing fund value, taken monthly for a period of five years
- 1% Management fee
80% Penalty-free withdrawal
- At any time you may request a partial withdrawal across all identical clusters in the policy without an Exit fee (but not necessarily without a potential liability to income tax and an MVR). During the first five years of the policy, the value of units remaining in the policy must not be less than 20% of the money you originally invested in order to avoid an Exit fee, i.e. 80% is potentially available to withdraw penalty free
- Regular withdrawals up to 5% per year of the money you originally invested are free of an MVR provided:
- you choose to take regular withdrawals at the start of your policy, or
- You choose to take regular withdrawals after the start of your policy and no MVR was applying on the date of your regular withdrawal application and no decision had been taken by us to apply one. If you withdraw more than 5% per year, any future MVR will apply to the whole amount withdraw.
10-year Money-back guarantee
- You will get a value at least equal to the original payment you made including the charges that have been deducted if you cash in your policy on the tenth anniversary (or during the subsequent two-week period) of your policy. The money-back guarantee from Aviva does not apply unless you move out of the funds on the guarantee dates. Making regular or one-off withdrawals will reduce the amount guaranteed in proportion to the number of units cancelled. Any units cancelled to meet charges will not reduce the guarantees.
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We would like to wish you all a Happy
Christmas and a Prosperous 2008!!
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Please contact Global Investments for more information
Tel. (+66-2) 662-2009 or e-mail at info@globalinv.org.
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Privacy Policy
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2007