The IGW
Investment Business Review

This article is mainly about Investors Trust S&P 500 investing and MSCI products. In this article, we will discuss: Who is the investors Trust company? Should l buy s&p500 investing? Advisors and introducers who want to distribute Investors Trust globally can also reach out to me. Firstly, who is Investors Trust S&P 500 Savings Plan? Investors Trust is a fast-growing investment provider based in Puerto Rico, Cayman Islands, Malaysia, and beyond. They also have administration offices in the UAE and Uruguay. Investors trust with in $4.1 billion in assets under management and clients in over a hundred countries, they are increasingly becoming a bigger player in the offshore investing landscape, having grown more than 45% per year during the pandemic. Most of the Investors trust clients are expats or locals in Latin American, Africa and Asia. The S&P500 investment product is more widely sold than the MSCI one, but the plans are very similar, as I will explain in this article. If you want to invest as an expat or high-net-worth individual, you can email me (nelson@innovestglobalwealth.com) What are the basics associated with S&P500 investing? The basic elements of the plans are below: The plans are available in USD only. With a minimum starting point of $200 a month, this option can be taken out over 10, 15, or 20 years. The 10-year option only has a 100% guarantee, meaning that you don’t have much downside protection. The 15 and 20-year accounts have 140% and 160% protection respectively, meaning that you can make some money, even if the market has fallen. There is a $10 a month fixed-charge alongside a 0.125% monthly fee applied on all terms. The admin fee is 2% for the 10-year account, 1.7% for the 15-year, and 1.1% for the 20-year. There are two index series options. The S&P500 and MSCI EAFE. The S&P500 is one of the major indexes in the United States, focusing on 500 of the leading firms, including Apple, Microsoft, etc. Over most 30-year periods, the S&P500 index has averaged about 10% per year, even if some periods are better. In comparison, MSCI EAFE is an index focusing on 21 developed market indexes, excluding the United States and Canada. This includes stock markets in Japan, the UK, Germany, and France. In the last decade, the MSCI EAFE index has underperformed the S&P500, but this won’t last forever. Below are the major firms in the S&P500 index: 

In this Investors Trust Evolution review, we’ll look at the features of the savings plan from the investment provider. We’ll also offer some benefits and risks for this investment opportunity. The Investors Trust Evolution Savings Plan can be used for education or retirement savings with USD, EUR, and GBP currencies. Higher commitment increases savings potential. Extra allocations are made throughout the plan when annual contributions exceed criteria, helping achieve future investment goals. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (nelson@innovestglobalwealth.com) or use (WhatsApp +1 803 857 2161). This includes if you are looking for alternatives or a second opinion. Different investors have different tolerances for risk, and Investors Trust offers a variety of lump sum products to meet those needs, including alternative investments and capital-protected fixed income portfolios. The firm prioritizes creative investing strategies that safeguard money, generate regular income, and, in some cases, capitalize on capital market fluctuations. Investors Trust provides a range of unit-link investment solutions with an emphasis on helping foreign investors gain access to global markets. They have insurance companies in the Cayman Islands, Malaysia, and Puerto Rico, and investors globally. Investors Trust Evolution Savings Plan Features and Types Investors Trust Evolution Savings Plan Investors Trust Evolution Savings Plan is a flexible USD, EUR, and GBP investment. Standard plans require a minimum annual investment of USD/EUR/GBP 1,200 (doubled for 5-year plans), with a minimum yearly increase of 600 USD/EUR/GBP. Investors can pick from yearly, semi-annual, quarterly, or monthly payments. The plan has terms of 5, 10, 15, 20, or 25 years with a 1.9% annual administration fee for the first 10 years, then 0.35%. The structure charge is 0.125% of the account value, and policy costs are 7 USD/EUR or 4.5 GBP monthly. There are no bid/offer spreads. Death benefits of 101% of the account value and free fund transfers are guaranteed. Based on remaining contract years’ yearly administration expenses, surrender fees apply. After the initial term, partial withdrawals are allowed with a USD/EUR/GBP 1,200 surrender value. Issue age for 5-year terms is 18–80, declining with longer terms. Investors Trust Evolution Plus Savings Plan International Investment, a renowned publication for independent financial advisors and wealth management professionals, named the Evolution Plus Plan Best International Savings Plan. Investors Trust Evolution Savings Plan is also available in the three major currencies. Plan contributions must be 12,000 USD/EUR/GBP a year. Riders for 2,500 USD/EUR/GBP lump sum minimum contributions are also available. In addition, investors can increase their contributions per annum by a minimum of 12,000 USD/EUR/GBP to progressively grow their investment. Investment management is easier with annual, semi-annual, quarterly, or monthly modal premium payments. Investors save money since the plan has no annual administration fee or bid/offer spread. However, insurance fees are 10 USD/EUR or 7 GBP 7 monthly and structure fees are 0.16% of the account value (1.92% annually). Investors should also consider a 3.5% credit card fee. Free fund transfers improve plan accessibility and management. A guaranteed death benefit assures 101% of account value to recipients. However, surrender charges are low, with 1.92% in the first year and none after. Partial withdrawals are allowed at any time with a minimum surrender value of 10,000 USD/EUR/GBP, giving investors liquidity and flexibility as their financial demands change. Ages 18–85 can use the plan. Investors Trust Evolution Select Investments Trust Evolution Select accepts USD, EUR, or GBP contributions with a minimum of 12,000 USD/EUR/GBP annually. The plan offers riders for 2,500 USD/EUR/GBP lump sum minimum contributions and 12,000 USD/EUR/GBP annual increases. Modal premiums are the same as the two previous savings plans. No bid/offer spread and 1% administration charge over the annual original premium for the first 5 years. It also includes a policy fee of 10 USD/EUR or 7 GBP a month, a structure fee of 0.125% per month of the account value equal to 1.5% per year, and a 3.5% credit card fee. Fund transfers are free, and a guaranteed death benefit guarantees 101% of account value upon death. With a minimum surrender value of 10,000 USD/EUR/GBP, partial withdrawals are allowed at any time. Surrender charges reduce annually from 4% at year 1 to 0% at year 5. Plan is available to 18-85-year-olds. Pros and Cons of Investors Trust Evolution Savings Plan Benefits of Savings Plan Loyalty and additional allocations Diverse selection of mutual funds Extensive range of choices from asset managers Online portfolio monitoring Minimal initial investment requirement Complimentary fund transfers Cheaper than most plans like this on the market Disadvantages of Savings Plan Investors with enough money to do a lump sum might find those products are better for their needs. Investors who need access to their funds before the policy matures may be affected by surrender charges that are tied to the policy’s term if they cash out their policies early. Unlike the S&P500 account, the returns aren’t guaranteed. Conclusion This is a cheaper and more flexible plan than most of the competitors. There are some great fund choices. However, it is only good for people in certain situations, and you should seek guidance to make sure the plan is aligned to what you want to achieve. Do not be pained by Financial indecision, contact me via email for a second impartial opinion: nelson@innovestglobalwealth.com) or use (WhatsApp +1 803 857 2161).

Investors Trust Access Portfolio Review Investors Trust stands as the worldwide emblem representing the ITA Group of firms. Originating in 2002 as an international insurance conglomerate, Investors Trust has broadened its scope to encompass clientele across over 100 markets globally, operating through numerous office hubs to cater to its diverse international audience. Distinguished for its focus on medium to long-term unit-linked investment offerings, Investors Trust delivers an extensive array of solutions tailored explicitly for international investors. With operational presence in the Cayman Islands, Malaysia, and Puerto Rico, Investors Trust maintains service points in strategic locations including Dubai, Hong Kong, Uruguay, and a central corporate support office in the United States. Investors Trust Access Portfolio is a range of investment solutions offered by Investors Trust Assurance SPC, a leading international insurance company. The Access Portfolio aims to provide investors with flexible and diversified investment options to help them achieve their financial goals This article will review the product and explain why some investors will get good returns compared to others, making the advisor you pick essential to your investing success. The article will also briefly review the fixed income and platinum portfolios as well – two other lump sum options available on Investors Trust. If you want to invest as an expat or high-net-worth individual, you can email me (nelson@innovestglobalwealth.com) or Reach me via WhatsApp at +1 803 857 2161 Advisors and introducers who want to distribute Investors Trust globally can also reach out to me. Where is Investors Trust Access Portfolio sold? Worldwide, but often in expat-focused areas such as Dubai, Africa, Shanghai, Saudi Arabia, Hong Kong, Singapore, Brussels, Bangkok, Kuala Lumpur, Qatar and various other locations. For locals, Latin America, Japan, China, Russia and South Korea are probably the biggest markets. What are the costs of Investors Trust Access Portfolio? It depends which option is chosen. The Access Portfolio Plus only costs 1% per year for admin charges, whereas the Access 800 Series is charged at 1.2% per year and policy fee of 180 USD per quarter. What are the biggest misconceptions about Investors Trust? The three biggest ones are that they are only in the Cayman Islands, are a relatively small company and don’t have great investor protections. To the contrary they are an A-rated institution which is now in Puerto Rico and Malaysia. They also don’t use offshore banks, and instead only use A-rated onshore banks like HSBC (US) and Standard Chartered (UK) to hold the funds, even though they are domiciled offshore as an organisation. Together with the segregated account system, these protections are top notch. For that reason, it is perhaps unsurprising that they have been one of the fastest growing companies in their niche in recent years, and are thus no longer a small company. Many older views fail to take account of this. Investors Trust Access Portfolio Investments minimum account for Investors Trust Access Portfolio For the Access Portfolio, $75,000USD, 75,000 Euros and 50,000GBP are the minimum account sizes. The minimum additional investments are 5,000GBP, 7,500USD and 7,500 Euros respectively, for top ups. What about if you don’t have $75,000 or currency equivalent? Investors Trust do have a smaller lump sum product called the Platinum. It starts from $10,000/10,000GBP/10,000 Euros. This product has less investment choices than the access portfolio, but does have some of the better fund options, such as the S&P500 index fund. In general, the fees associated with the Platinum can be higher than the Access portfolio, but that depends on which option you select, as there are three options associated with the Platinum portfolios. What is the duration of Investors Trust Access Portfolio investment? Different periods can be chosen. 5 years, 8 years and open-ended charging structures can be picked on day one. There are no early surrender charges if the open charging structure is put in place. In comparison, early surrender charges exist if you wish to leave the investment early on the 5 year and 8 year options. The three different products are called the Access 5000 series, the Access Portfolio 8000 Series and the Access Portfolio Plus. Full list of Investors Trust Access Portfolio investment managers available On the Access Portfolio, there are too many options to list here, but the most popular ones include: Ishares Blackrock Morgan Stanley Pimco Janus Henderson Franklin Templeton MFS Investec Fidelity AllianceBernstein Vanguard Vanguard isn’t available on the Platinum portfolio but it is available on the Access Portfolio. Investors have access to many International Government Bonds, Corporate Bonds, and Sharia Bonds. Investors have access to all Stocks on the NASDAQ, NYSE and the European and Asian Stock Markets Investors have access to funds managed by the world’s largest asset management firms like BlackRock, Vanguard, JP Morgan, Morgan Stanley, Alliance Bernstein and many more. Are there any other lump sum options? For people looking for pure income, Investors Trust have a fixed income portfolio. This portfolio gives you the option to invest for 3, 5 and 15 years. The 3 and 5 year rates are fixed, with a minimum contribution of $10,000. The rates on offer are very low though – 1.75% for 3 years and rising to up to 3.6% for 10 year plans, so this should only be considered as a slightly better option than keeping your money in the bank. The positive about this plan is that the investments are backed up by Investors Trust’s assets and only cost $7 a month. That means Investors Trust invests the money (it is the only product they offer where they invest the money rather than the advisor) and hope to make more money than they are giving the client in return. If they don’t achieve that, they need to repay the client from their own assets. What have been some of the best performing funds on this Investors Trust Access Portfolio? That depends on which timeframes you look at. In recent years, US markets have done best, with emerging and energy-linked ETFs, facing downward pressure, with a lower oil price. Sometimes today’s winners are tomorrow’s losers, and vice versa, though. A great example of this is if you compare US and international stocks. Historically, each has a period of over performance, according to work from Fidelity :

Who is Investors Trust? Investors Trust Assurance SPC, simply known as Investors Trust, is a global group of insurers launched in 2002. The firm provides lump sum products that offer capital protection for fixed income portfolios and alternative assets. This page will look into Investors Trust profile , focusing on the following talking points: Who is Investors Trust? Investors Trust History Investors Trust Products Investors Trust Rating If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (nelson@innovestglobalwealth.com) or Reach me via WhatsApp at +1 803 857 2161 Delving into Investors Trust background information is crucial for stakeholders and investors’ assessment of its credibility, among other things. Investors Trust Profile Who is Investors Trust? Unit-linked investment solutions are provided by ITA Group-arm Investors Trust, allowing offshore investors to access global markets. The firm has many office hubs and reaches more than a hundred markets worldwide. It operates from the Cayman Islands, Dubai, Hong Kong, Malaysia, Puerto Rico, Uruguay, and the US. Investors Trust highlights medium- to long-term investments tied to an insurance policy for international investors. It offers financial planning , protection, tax, and retirement plan services. Investors Trust Currently has over $4.1 Billion in Assets Under Management. Investors Trust History In June 2002, Investors Trust founded its first insurance business in the Cayman Islands and the corporate support office in Miami, Fla. In 2003, the firm offered online fund transfers, said to be the first in the sector. It also began its buildout in Asia and other global locations. In 2004, it added new products to its platform: Platinum and S&P 500 index products. In 2006, Investors Trust offered completely automated online policy services. In 2008, the firm formed a service point in Hong Kong and in Uruguay. In 2009, ratings agency AM Best gave its first rating to Investors Trust. In 2010, the Fixed Income Portfolio was rolled out to complement a mutual funds basket. In the same year, an e-application platform and corporate social responsibility program called Investors Trust Cares were launched. In 2011, savings scheme Evolution kicked off. In 2012, a new insurance service point was formed in Malaysia. In 2014, another product was incorporated to Investors Trust portfolio with the addition of Access Portfolio. In 2015, the Dubai Financial Services Authority has granted Investors Trust license as the firm set up an office in the emirate. A one-stop shop for financial advisors dubbed New Account Access Platform was also unveiled. In 2019, ITA International Insurer was formed in Puerto Rico. Then, mobile marketing app ITA Connect was rolled out. Investors Trust Products Regular Savings 1. Investors can choose Investors Trust Evolution , Evolution Plus, or Evolution Select savings plans. 2. The Investors Trust Fixed Income Portfolio is an investment product that offers fixed- and variable-rate choices. 3. The Investors Trust S&P 500 Index Plan gives investors access to top US stocks, with principal protection. 4. Investors Trust provides MSCI EAFE Index-tracking principal protected regular savings plan. Lump Sum Products 1. Investors Trust Platinum Select and Platinum Plus provide access to many investment options and allow investors to rebalance their portfolio any time. 2. Investors Trust Access Portfolio is a flexible portfolio bond. Investors Trust Rating AM Best maintained Investors Trust Assurance SPC’s A-Rating and stable outlook at the end of 2023, marking the sixth year in a row. This rating denotes a very good ability to fulfill continuing insurance requirements. Since 2009, Investors Trust has received ratings and evaluations from A.M. Best, one of the top credit ratings agencies for insurers. Investors Trust is Legitimate Yes, Investors Trust is a legitimate company, offering superior service and products to investors worldwide If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (nelson@innovestglobalwealth.com) or Reach me via WhatsApp at +1 803 857 2161. If you’re based in Africa, contact me via +256 773 488 765. Pained by financial indecision? Contact us Do not be pained by financial indecision, if you need a review of your current stock portfolio, or you're considering investing in the US stock markets, I'm here to help. Please reach out via email. nelson@innovestglobalwealth.com

In certain circles, Nomad Capitalist has gained significant recognition and popularity. The stock markets have surged and are currently in a phase of recovery. President Donald Trump's strategic move, a 90-day pause on reciprocal tariffs and a 125% increase in China's levies, has significantly influenced the current surge in the stock markets, making it a pivotal game-changer. The recent surge in the US stock market has led to an impressive rise in the S&P 500, climbing as much as 8%. The tech-heavy Nasdaq has seen an increase of up to 9%, currently sitting nearly 7% higher. Recent months have seen significant anxiety in the US Stock Markets, with numerous analysts drawing parallels to the great financial crisis while others referred to it as a tech wreck. The main difference between the latest US Stock Market crash and the great financial crisis was that the current situation in the US stock markets was man-made and could be fixed faster, and that is what President Donald Trump has done. What does this mean for Investors? Remember, maintaining your composure and staying level-headed during market downturns is key. There's no need to panic, as you are in control of your investments. Given the recent surge, it's prudent to refrain from liquidating your entire stock portfolio just yet. Maintain your position, as the upcoming 90 days are likely to reveal further favorable developments, instilling optimism in your investment strategy. Is it a good time to buy more stocks? Yes, this thought stems from the reality that despite the US Stock market's upward trajectory, stock prices are still reasonably cheap and attractive. I can show you stock to consider.  Do not be pained by financial indecision, if you need a review of your current stock portfolio, or you're considering investing in the US stock markets, I'm here to help. Please reach out via email. nelson@innovestglobalwealth.com

In certain circles, Nomad Capitalist has gained significant recognition and popularity. This review will focus on addressing the following questions: • Who is Nomad Capitalist? • What services do they offer? • Are they reliable? • Are they costly? We will take into account the overall advantages and disadvantages of using the company's services. Who is Nomad Capitalist? Founded by American investor and entrepreneur Andrew Henderson, Nomad Capitalist is a consultancy firm with a singular mission: to help wealthy, HNWIs, Affluent individuals and entrepreneurs achieve financial freedom through offshore investment strategies. What does Nomad Capitalist do?  They offer a range of services such as banking, investment opportunities, citizenship assistance, and international business establishment. They serve HNWIs and affluent individuals looking for asset protection and tax savings, business owners aiming for international growth and improved financial efficiency, and digital nomads seeking flexibility. Nomad Capitalist Services Planning for foreign taxes. The speciality of Nomad Capitalist is to employ offshore techniques, such as foreign bank accounts and company formations, to lower taxes lawfully. They also assist clients in navigating intricate international tax regulations. Getting resident status and second citizenship. They aid customers in acquiring second citizenship and residency, which can improve freedom of movement and act as a buffer during unrest. They are knowledgeable about options for citizenship by descent and citizenship by investment. Banking Offshore and Protecting Assets. They also help clients open accounts and investment structures in various jurisdictions to diversify and protect their wealth. Global Lifestyle Strategy. This service helps customers choose the best places to live, work, and invest to boost their standard of living, taking into account factors such as tax benefits, quality of life, and investment opportunities. International Business Structuring. Entrepreneurs are guided to do business in favourable jurisdictions. Investment Planning. Nomad Capitalist offers information about high-return prospects and developing markets and facilitates stock, real estate, and crypto investments. They employ the following plans for customers: Nomad Capitalist Action Plan: They create a personalised plan for tax savings offshore, second citizenship, and international lifestyle planning. Target clients are those making at least $500,000 a year or those with a net worth of at least $1 million. Action Plan Elite: This option gives clients unique access to Andrew Henderson and other leading specialists for specialized services. Live Events: Yearly events are held where guests can network with like-minded people and learn about the newest offshore tactics. Nomad Capitalist Cost Starting at $28,000, Nomad Capitalist fees increase based on the particular needs of the client. The price of this premium service isn't publicly disclosed because it varies for each customer. Working directly with the founder or receiving exclusive services can also cost more. Pros and cons of Nomad Capitalist Customers have had conflicting opinions about the business. Some commend the business for guiding them through challenging financial and relocation matters. Meanwhile, others have voiced their displeasure with the high fees, limited disclosure, and subpar customer service. Some even accuse the company of being a scam. They claim that they were supposed to receive customised services but were instead given ordinary plans. Moreover, Andrew Henderson is frequently chastised for prioritising marketing over content and exploiting anxieties about the government to draw in customers. Some think his strategy is more about marketing services than actually assisting people. Before signing on, prospective customers should carefully consider whether these services fit their budget and needs. Is Nomad Capitalist a scam, or is it legitimate? Investments come with varying degrees of risk, and at times, the specifics can be challenging to clarify. However, Nomad Capitalist has garnered a mix of remarkable and unfavourable reviews. It's crucial to understand that reviews alone don't determine whether a business is legitimate or a scam. We strongly recommend that potential investors conduct thorough research and due diligence or contact us for our unbiased perspective on Nomad Capitalist. Please email me at nelson@innovestglobalwealth.com Reach me via WhatsApp at +1 803 857 2161

Many people in Africa have primarily allocated their money to domestic government bonds, fixed bank deposits, and real estate. However, most investors do not understand government bonds. This is a review of local bonds and government bonds issued in Uganda and Kenya. Before investing or buying any bond, it is wise to ask yourself the following questions; What type of bond are you investing in? There are mainly two types of bonds; Government bonds are debt securities issued by the government to raise funds for government expenditures and projects. They act as loans from investors to the government. A corporate bond is a debt security issued by a company to raise capital. It represents a loan from investors to the company. Why is this bond issued? This question holds the key to understanding the potential risks and returns associated with the bond. Understanding the purpose of bond issuance is crucial in making informed investment decisions. Governments issue bonds to raise funds for government expenditures and projects. Companies issue bonds to raise capital for various activities, including company operations, expansion, innovations, developments, mergers, and acquisitions. The Kenyan government has issued infrastructure bonds meant for infrastructure development; such bonds are safer because their purpose is defined and known. However, many bonds issued by governments in Africa lack clarity regarding their intended purpose, typically categorizing them under general government expenditure. Therefore, how will the government generate funds to pay back the investors? Will the bond issuer be able to pay the promised interest and return my funds on maturity? Bonds are debt securities with a fixed interest and fixed date of maturity. For this reason, it is essential to know the credit rating of the bond you intend to buy or invest in. Credit ratings are indicators of a bond issuer's creditworthiness, financial strength, and ability to meet its debt obligations. Credit rating agencies like Moody's, S&P, and Fitch evaluate and issue the ratings. The ratings are; Bonds with a credit rating of AAA, A or A- indicate lower risk or the ability of the bond issuer to pay its obligations. Bonds with credit ratings of BBB, B, B-, B3 or B2 indicate higher risk and the chance of the bond issuer failing to meet its debt obligations. Bonds with a credit rating of C indicate that the issuer is extremely vulnerable to non-payment and are low-class bonds. Bonds with credit rating D indicate that the bond issuer has entered bankruptcy filings, administration, receivership, and liquidation, and the bond is in default. Therefore, investors must always seek to find out the credit rating of a bond they intend to buy or invest in. For example, Kenya and Uganda government bonds currently hold a "B—" long-term foreign currency credit rating from S&P Global Ratings, a "B" long-term foreign currency issuer default rating from Fitch Ratings, and a "B2" rating from Moody's. These ratings indicate a moderate level of risk, which means the potential returns are balanced with the risk of default. Investors looking for bonds with credit ratings of AAA and A and that offer reasonable interest rates can contact us for guidance. However, a bond's credit rating alone is not a determinant of investing; the investor must know and acknowledge their risk profile or risk appetite. What is the investor's risk appetite? Every investor has a risk appetite. Risk is one constant in investments, and therefore, all investors must know their risk profile and appetite. A risk profile is a measure of an investor's willingness to take on risk in their investment portfolio. It is not just a recommendation; it's a responsibility that puts you in control of your investment decisions. Investor Risk Profiles include, A low-risk Profile means that an investor is not willing to lose any of their capital or principal invested and is comfortable with potentially lower returns in exchange for a reduced chance of significant losses. Medium Risk Profile means that the investor is comfortable with taking some risk on their investment, with the goal of balancing potential returns and capital preservation. High-Risk Profile: This means that the investor is comfortable taking significant risks with their capital and is relaxed if they lose their entire investment. While investors have a risk profile, bonds also have a risk rating. Therefore, an investor must find out the risk rating of a bond; this helps to align the investor's risk profile with the bond's risk rating. For example, the majority of Kenya and Uganda's government bonds carry a medium-risk rating, while some have a high-risk rating. To align this with your personal risk profile, if you have a low-risk profile, you should consider bonds with a lower risk rating, and if you have a high-risk profile, you may be more comfortable with bonds with a higher risk rating. Therefore, any investor must always ask for the bond's risk rating and credit rating to align it with their personal risk profile. Visit our website and complete a free investment risk profile questionnaire, or contact us to evaluate the risk profile together. What are the taxes or deductions on the bond? As much as the interest rate offered can be attractive, it is crucial to find out the taxes or deductions on interest earned. For example, the Ugandan government bonds with tenors up to 9 years attract 20% on withholding tax, whereas the bonds with tenors above 10 years attract 10%. In Kenya, the Withholding Tax is 15% on Treasury bonds with tenors up to 9 years, and 10% is for Treasury bonds with tenors of 10 years or more. However, the Kenyan government's infrastructure bonds are tax-exempt. While taxes are standard in most African markets, it is essential to note that International Corporate and Government bonds are tax exempted. Have bonds defaulted? Yes, both corporate and government bonds are prone to default. For example, there are government bonds issued in Zambia and Ghana that defaulted, and investors have not received their principal and interest payments up to date. Extended maturity dates can be viewed as a sign of distress. Distressed bonds are those that are at risk of default due to the issuer's financial difficulties. For example, the Bank of Uganda has been extending the maturity dates of government bonds, including introducing longer-dated bonds like the 20-year government bond, while Kenya has been actively lengthening the maturity dates of its government debt, including Treasury bonds, through strategies like issuing benchmark bonds and debt swaps as part of its debt management strategy. Even if this is not a default, it can be seen as a sign of distress, indicating potential risks for the investor. Therefore, it is wise to understand the purpose or reason why a bond is issued, who the issuer is, and the credit and risk rating, and align all your findings with your personal risk profile. Next Steps Do not be pained by financial indecision; contact us today to understand your risk profile, available bonds, and other products that can help you achieve financial freedom. If you have any questions, you can email me at nelson@innovestglobalwealth.com .

With so many choices for financial service and investment providers, here's an AIX Investment Dubai review that will mainly tackle the following talking points: What company is AIX? What do they do? Is AIX Investment safe? What investment options are offered? What are the advantages and disadvantages of AIX investment? If you have any questions, you can email me at nelson@innovestglobalwealth.com . My partners, based in North America, Europe, Africa, and beyond, would be happy to look at your current situation and see if we can improve it. Who is AIX Investment Group? Based in Downtown Dubai, the private firm AIX Investment Group offers expertise in investment management and advice. It provides a range of investment solutions through several regulated entities, instilling confidence in its potential investors. What does AIX do? AIX Dubai's services include individualised advice through its investment advisory services to assist clients in making wise financial choices. It also offers wealth management and helps clients achieve long-term financial targets. They also focus on portfolio diversification, which helps investors spread their money across different asset classes and trim risk. Through their unit AIX International Properties, they provide profitable real estate investment opportunities. AIX Dubai Investment Options 1. AIX Bond Review It is a fixed-income bond offered by AIX that gives investors a steady and predictable return. This investment product offers a fixed coupon payout of 3% per quarter and a yearly return of 12%. It features a buyback guarantee intended to protect investors' capital and has a five-maturity period. Bonds usually have less volatility than stocks or mutual funds, which helps to stabilize a portfolio. The Net Asset Value of this bond is accessible on the Bloomberg Terminal and Vienna Stock Exchange. With an ISIN number, it is a listed financial security that can be subscribed to anywhere in the world. Paying out quarterly interest and fixed-income bonds provides investors with a consistent flow of income. While investors can assign the bond to a third party through a private deal, the AIX bond lacks a secondary market, and the issuer does not offer liquidity. The fixed returns offered by the AIX bond are much higher than those of typical fixed-income investments. However, that usually means investors must be cautious, and such high yields frequently signify higher risk as well. Investors who invest in such bonds must be ready and comfortable to accept higher risk in their investment or portfolio. AIX Properties AIX Investment Group's flagship product, AIX Property Secure, offers real estate investment options that are backed by real estate assets. This provides a sense of security and is intended to provide safe and assured rental revenue, making potential investors feel secure in their investment. Rental income for investors can range from 14% to 20% a year, with payments being deposited into their accounts on set dates. Upon investing, the real estate collateral becomes yours, and the Dubai Land Department formally records your name as the owner. It gives you security and legal protection by guaranteeing that your investment is supported by actual property. In 2023, the company claimed that these rental returns were significantly higher than the market average. That could make this a lucrative choice for real estate investors seeking robust returns. Of course, investors should know that past performance doesn't always guarantee that the firm and its offerings will continue to perform well in the future. Is AIX Investment legit? With licenses for particular services, AIX Investment Company positions itself as a respectable financial advising company. It is supervised by the UAE Securities and Commodities Authority. Regardless, if you're thinking about investing in AIX bonds and properties, execute extensive due diligence . Examine their regulatory framework, read reviews from various sources, and learn about their company's operations. Given the mixed reviews and the lack of top-tier regulation, potential investors should proceed with caution when considering AIX Investments. This approach will help them make informed decisions and manage their expectations. Furthermore, fixed-return investments can always default . We have seen cases worldwide where even regulated fixed-return investments default. Fixed returns aren't the same thing as a guarantee. What are the benefits of AIX Investments? AIX offers real estate-backed investments. The company has also ventured into sports investments, partnering with Fursan Hispania FC, which contributed to the buildout of its global presence and brand. Its bonds appeal to investors seeking a consistent income since they offer fixed returns. What are the disadvantages or cons of AIX Investments? Because AIX Investment Dubai's products offer exceptionally high returns with little risk, some online debates compare them to Ponzi schemes. However, nobody can prove such accusations for certain. Some think their investments may not be viable in the long term. Prospective investors and financial advisors have voiced concerns regarding AIX's legitimacy; some have cautioned against investing because of bad experiences. Poor customer service and issues with money withdrawals are among the complaints. Even though AIX Bonds are touted as low-risk, there are risks associated with all investments. A 100% repayment at maturity might be hard to maintain if the market conditions slump. Critics say the lack of diversification in AIX's investment strategies could expose investors to unanticipated risks should the underlying assets perform poorly. Overall, investors must remember the importance of diversification. By not putting too many eggs in one basket, they can mitigate the risks associated with AIX's investment. If you have any questions, you can email me at nelson@innovestglobalwealth.com .

Have you ever thought about just how much money you need to be able to retire comfortably and live the life you dream of without struggling financially? This 'magic number' is the sum required for your unique retirement comfort, and it's highly individual. While there are general guidelines, your specific circumstances and aspirations are what truly matter. One of the strategies that can help you find this 'magic number' is the Retirement and Savings plan. This retirement and savings plan offers outstanding long-term benefits that meet the needs of our clients during retirement and beyond, assist in funding their children's higher education, and deliver considerable financial advantages upon the plan holder's death, ensuring the family benefits from a meaningful legacy. In this article, I will present an internationally acclaimed award-winning retirement and savings plan that has consistently performed for over two decades—a plan that ensures the safety of your principal and is straightforward to access, making your investment journey simple and hassle-free. With this plan, you can rest assured that your financial future is secure. What is a Retirement and Savings Plan? A retirement and savings plan is an investment strategy for long-term wealth accumulation, investment, and eventual withdrawal of funds aimed at securing a financially stable future or retirement. A key element of this plan is the commitment to regular contributions over a predetermined period, which plays a crucial role in its success. A retirement plan is your strategy for ensuring a fulfilling life once you transition from the workforce or at least step away from a full-time job. However, experience has taught us that it is not all about money. Contributions can be scheduled monthly, quarterly, semi-annual, or annual, giving you the flexibility to choose what works best for your financial situation. This flexibility empowers you to manage your finances according to your unique circumstances, aligning with your long-term financial goals. The primary objective of a retirement and savings plan is to provide a safety net for your financial future. It's about securing monetary stability and maintaining a comfortable lifestyle in retirement, even when your employment income ceases to exist. With this plan in place, you can rest assured that your financial goals are within reach. At Innovest Global Wealth, we excel in guiding African expats, high-net-worth individuals, and sophisticated investors in starting to invest for their future retirement, their children's future education, and any other unforeseen expenses. The most popular plan our clients have invested in is the International Award-winning S&P 500 Index Retirement and Savings Plan. This plan, which has consistently performed for over two decades, offers outstanding long-term benefits, ensures the safety of your principal, and is straightforward to access, making your investment journey simple and hassle-free. The S&P 500 Index Savings and Retirement Plan The S&P 500 (Standard and Poor's 500) is a prominent stock market index that monitors the performance of 500 top-tier companies listed on U.S. stock exchanges. The S&P 500 Retirement and Savings Plan is a stable and reliable investment option. It effectively aligns the investor's capital with the performance of the top 500 companies traded on U.S. stock exchanges. Historical Performance of S&P 500 Index Plan. Many of our African clients have chosen to invest in the S&P 500 plan due to its impressive average yearly return of 11.95% over the past 50 years, as of the end of February 2025. This return surpasses that of many investment strategies in Africa, offering superior growth relative to local currency options and instilling optimism in our investors. The S&P 500 Index has consistently been recognised as the 'Best International Savings Plan' by International Investment and International Adviser, two leading publications for international independent financial advisors and wealth management professionals serving expatriate and cross-border clients worldwide. Key Features of the S&P 500 Index Plan Principal protection : It offers Principal protection derived from structured notes provided by highly rated financial institutions. No downside risk: Ability to participate in stock market growth without the downside risk. Tracking S&P 500 Index: 1 00% Participation in the growth of the S&P 500 Index Flexible Plans: Flexibility in choosing a plan that fits individual needs with 10, 15, and 20-year options. Currency: Investment opportunity is USD denominated. Minimum Contribution: $200 per month or $2,400 per year How Much Do You Need to Retire? Your 'magic number', the sum required for your unique retirement comfort, is highly individual. While there are general guidelines, your specific circumstances and aspirations are what truly matter. Understanding and planning for your 'magic number' is crucial for a comfortable retirement. Reach out to us to discover your personal 'magic number' and the amount of savings needed to achieve it. We will provide you with detailed guidance on the following topics: the steps to retirement planning, which include assessing your current financial situation, setting retirement goals, creating a retirement plan, and regularly reviewing and adjusting your plan; the estimation of future expenses, and the determination of your comfortable retirement 'magic number'. We'll help you understand the importance of each step and how it contributes to your overall retirement strategy. Contact us today for your retirement and savings plan. info@innovestglobalwealth.com or whatsapp / call +256773488765 www.innovestglobalwealth.com