Quintessential AMG

We are able to provide clients access to Fixed Term Deposit accounts offered by Lloyds Bank International, which is based in the Isle of Man. When we are in periods of high interest rates, fixed term accounts are a legitimate investment option, particularly when offering above 5% per year interest.

The fixed term accounts are available for a minimum deposit amount of 10,000 in either USD, GBP or EUR over a 3 to 12 month period. For those who require more flexibility in terms of access to cash, there are 32 day or 95 day Notice Accounts. These require a minimum deposit of 100,000 USD, GBP or EUR, with the whole amount being accessible in either 32 or 95 days if needed.

As Lloyds Bank International is based in the Isle of Man, you benefit from a 0% capital gains tax rate on any interest from the account. Because we have an existing relationship with the bank, fixed deposits can be set up around 90% faster than trying to set up a bank account from overseas, with electronic signatures in place for the application and supporting documents.

100% Capital Protected Index Investing

It is hard to escape the financial news this year as the soaring rates of inflation are starting to be felt in the pockets of working people.

With the West increasing interest rates in an attempt to combat
inflation, people are seeing their mortgage repayments sky rocket and most major stock indexes trading well below their previous all time highs.

In a market like this, it can be hard to know what to invest in, so you can take advantage of the otherwise negative situation whilst having peace of mind that your money is protected.

One of the best ways to do this is to Dollar Cost Average (DCA). This is the practice of systematically investing equal amounts of money at regular intervals, regardless of the price of an asset. Plainly speaking, saving every month into an investment over the long will help to flatten out the growth line, allowing you to buy more of the asset when prices are down, and less when prices are up.

If you can couple DCA with a capital protected investment, then you can take advantage of the current low prices whilst making the investment very low risk.

One of the many investment companies we work with is Investors Trust, who are a multi-national Life Insurance company with a number of 100% Capital Protected offerings. Their award winning S&P 500 Index account is commonly used by international educators as a replacement for a pension or simply for saving some money on a monthly basis in a low risk manner.

S&P 500 Index Account Key Features:

- Can start with a zero balance
- Monthly savings start at just $200 USD
- All money saved tracks the performance of the S&P 500 Index
- All money is 100% protected, so providing the monthly premiums are paid for the duration of the account, you cannot get back less than what you have invested
- Some versions of the account offer a minimum interest rate of 4.64% per year
- Can be taken with you when you move around the world
- Full service and advice from Quintessential AMG throughout the duration of the account

When things progress to the account opening stage, we are happy to provide referrals from existing clients to confirm our transparency and service levels. Given the size of our client base, there is a good chance this would be from your current school or maybe even someone you know.