Frequently Asked Questions
Are there charges for early withdrawal of my savings?
This product is not intended for anyone who needs regular access to their money. If you need to withdraw your money before the term is up, there are NO surrender charges. However, in certain situations where the current market value of the bond and call option we bought on your behalf has changed significantly (perhaps due to changes in interest rates) we would need to impose you a “market value adjustment” to reflect this change in market value - this may either increase or decrease value relative to the current account value.
What is the minimum deposit?
We require a $2,500 minimum deposit to help ensure we are able to defray servicing costs
Why can't I just replicate the strategy myself?
You can replicate this strategy yourself assuming you are comfortable purchasing bonds and managing an options portfolio. We simply make the process more convenient for a small fee. In addition, since our product is an annuity you get the benefit of tax deferral. If you are currently in a high tax bracket, this can save you significantly on taxes.
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