Guide to monthly savings

Because the administration involved in collecting monthly payments is onerous, the majority of monthly savings plans are run by insurance companies. They have monthly collection procedures in place for life insurance premiums and use it for monthly savings as well.

We work with the major Isle of Man based insurance companies including Friends Provident International Ltd, Royal Skandia, Hansard, Scottish Life and Zurich Life. Also with Singapore based Aviva International Financial Solutions.

We recommend the following types of investments according to your risk level:

Low Risk

Fund of hedge funds investing across a diversified range of hedge fund strategies according to the economic cycle, excluding managed futures. Averaging 5% - 6% pa with low volatility.

All Weather*

Medium risk

Fund of funds global equity funds, bond funds and hedge funds. Has a balanced approach with no more than 30% in equities.	CS Balanced*
Fund of funds global equity funds, bond funds and hedge funds. Has a growth strategy with up to 70% in equities.	CS Growth*
Fund of funds mainly equity funds, but uses a proprietary computerised stop loss strategy.	Optima

Medium-high risk

Gold fund	ML Gold*
Fund of funds mainly equity funds, but uses a proprietary computerised stop loss strategy using a small number of tightly focused funds	LIG
Fund of funds with an aggressive strategy using a small number of targeted equity and hedge funds showing fast growth	CS Aggressive*
Single manager global fund investing in companies around the world, which are expected to enhance underlying profitability and shareholder value through significant business improvements, often involving a special catalyst.	Investec Global SV*

High risk

Hedge fund a llocates between a number of managers using different managed futures strategies in commodity and financial markets

MAN AHL*