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Quantum

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The Quantum from Royal London 360 is a regular premium investment-linked assurance plan designed to meet medium to long-term financial goals.

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A typical offshore regular savings plan offers a host of benefits to the investor, including:
	Tax-free growth as offshore investments are not liable for capital gains tax or income tax.
	Free access to branded funds from leading management groups such as Fidelity, Invesco, Jardine Fleming, Morgan Stanley, Templeton etc.
	Free switching between funds at any time, allowing your investment to move with the markets.
	Your money works as you earn it and spreads the risk between rising and falling markets.
	Flexibility to suspend or reduce savings after a short initial period, typically 18-24 months.
	Excellent value for money with properly funded plans requiring growth of as little as 1-1½ per annum to break even.
	Security and worldwide investor protection provided by leading financial institutions with billions under management based in premier offshore centres such as the AAA rated Isle of Man.

Why Essential?AIM StrategyValuation servicesPlanners

In today's inter-connected world, opportunity abounds like never before. The Essential Group puts you in the driving seat. Everything you need to sieze the moment and generate substantial returns is at your fingertips.
We place a lot of importance on offering client the means to clearly compare and understand the options. Take charge of your financial future with our unrivalled range of investment tools and information resources and start looking forward to your optimum future.

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Initial charge (regular)	N/A
Initial charge (lump sum)	7.50%
Investment management charge (min.)	0.12% p.a. inc. within the fund price
Investment management charge (max.)	2.50% p.a. inc. within the fund price
Contract charge	0.125% per month
Administration charge (p.a.)	N/A
Periodic charge on initial unit allocation	0.5% per month
Policy management fee (p.m.)	USD 7.50 per month

Our unique AIM strategy has enabled over 200% growth in under five years. Each month we take the advice of leading fund management groups and adjust your fund selection accordingly.
AIM has significantly outperformed the Hang Seng, FTSE and S&P500 for each of the past 4 years. Our advisers are always at hand to help and we provide continuous performance and market commentaries. More Details

Wouldn't it be convenient to be able to track all your investments in one place and to be able to instantly access it - 24/7? You can add any asset to our valuation service, including property and existing savings plans. (even if not arranged through Essential) You’ll receive one easy-to-follow monthly statement, and can calculate your overall net worth at any time.
The valuation is part of our service package at just US$10/mth or US$99/year. It is available to all, whether or not you are an Essential client. Fees are waived for the first year if you take out a savings plan with us.

Our unique interactive tools have been developed and honed over years to help Essential clients plan, execute and track with ease.
Plan your finances and calculate what you need to do today to meet future requirements. Add in all your assets and check your net worth. Adjust investment weightings to instantly forecast the results. Clear, accurate data is at your fingertips to inform decisions. Essential comparison tools cut through the masses of product information and allow you to view features and benefits at a glance. From offshore banks to insurance to funds and more, our tools help you save valuable time and make smart choices.
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