The OPES International Retirement and Savings Plan
We specialise in the provision of retirement and pension services to expatriates, internationally mobile individuals and corporate clients. We provide an award winning range of schemes covering both approved pensions and retirement saving plans. These offer a wide range of options around investment choice, contribution and retirement benefit types.
If you are looking for The COPIA Retirement Plan (QROPS), click here.
Overview
OPES International Retirement & Savings Plan provides you with an innovative personal wealth management solution, with a truly international dimension. Effective as a retirement or savings plan, key features include flexible contributions, varied benefit options, no tie in periods or penalties for changing or stopping contributions and global portability.
Underpin this with a global investment service accessing leading managers of cash, real assets, fixed income, equities and alternative investment strategies, and you will discover that OPES satisfies a broad spectrum of investor requirements from capital growth and wealth accumulation, to capital preservation and income generation. In addition, all of these benefits are available within a single tax efficient and cost effective structure.
Features
- No cap on contributions.
- No penalties to stop, start or amend contribution levels.
- Interchangeable benefit options.
- Multi currency - £, US$, €.
- Plan subdivision.
- Pre approved Loan & Credit facilities.
- Not subject to EU savings tax directive.
- Tax efficient.
- Estate planning.
- Unused annuity capital is distributed.
Asset Allocation & Active Management
The strategies available to you offer five asset allocation models. These range from cash to dynamic and also include one neutral asset allocation model.
Active management means that both the asset allocation strategy and the holdings within each strategy are constantly monitored and reviewed.
This is done through both a quantitative and qualitative process using internal and external expertise and some of the latest technology available to investment professionals. This active approach to management means that your strategy is continually adapted with a view to delivering its objective, whether it is growth or capital preservation.
The table below gives you a better insight as to the objective and risk parameters of each strategy, the currency options available and the dates on which investment into the strategies is allowed. There is also other helpful information to assist you to determine the most appropriate strategy for you.
| Cash Strategy | Cautious Strategy | Neutral Asset Strategy | Balanced Strategy | Growth Strategy | ||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Objective | To provide investors with stability of capital and weekly liquidity together with a rate of return comparable to normal sterling money market interest rates. | To deliver limited capital growth with an emphasis instead on wealth preservation. | To deliver moderate capital growth over the long-term with a focus on reducing capital volatility through a neutral asset allocation model. | To deliver moderate to good capital growth over the long-term through a balanced investment approach. | To deliver good to strong capital growth over the long-term with a focus on capital growth and minimum sensitivity to short-term capital fluctuations. | |||||||||||||||||||||||||
| Investor Profile |
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| Currency Make-up | Only holding assets in the currency of the strategy to mitigate currency risk. | Only holding assets in the currency of the strategy to mitigate currency risk. | Only holding assets in the currency of the strategy to mitigate currency risk. | A strong investment bias in the currency of the strategy to reduce currency risk. | A strong investment bias in the currency of the strategy to reduce currency risk. | |||||||||||||||||||||||||
| Currency | Sterling, Euro & US Dollars. | Sterling, Euro & US Dollars. | Sterling, Euro & US Dollars. | Sterling, Euro & US Dollars. | Sterling, Euro & US Dollars. | |||||||||||||||||||||||||
| Investment Access Date | Weekly, Tuesday provided such a day is a business day. | Weekly, Tuesday provided such a day is a business day. | Weekly, Tuesday provided such a day is a business day. | Weekly, Tuesday provided such a day is a business day. | Weekly, Tuesday provided such a day is a business day. | |||||||||||||||||||||||||
| Asset Mix Guidelines for Strategies |
Cash 0% to 100% Fixed Income 0% Real Assets 0% Equities 0% Alternative 0% |
Cash 0% to 20% Fixed Income 50% to 80% Real Assets 0% to 30% Equities 0% to 30% Alternative 0% to 30% |
Cash & Fixed Income 25% Real Assets 25% Equities 25% Alternative 25% |
Cash 0% to 25% Fixed Income 20% to 60% Real Assets 5% to 40% Equities 20% to 60% Alternative 0% to 30% |
Cash 0% to 25% Fixed Income 5% to 35% Real Assets 5% to 30% Equities 40% to 75% Alternative 0% to 35% |
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Fact Sheets
Download our fact sheets for the latest strategy fund information.
| Fact Sheet | |
|---|---|
| Sterling Cash Strategy | Download |
| Euro Cash Strategy | Download |
| US Dollar Cash Strategy | Download |
| Sterling Cautious Strategy | Download |
| Euro Cautious Strategy | Download |
| US Dollar Cautious Strategy | Download |
| Sterling Neutral Strategy | Download |
| Euro Neutral Strategy | Download |
| US Dollar Neutral Strategy | Download |
| Sterling Balanced Strategy | Download |
| Euro Balanced Strategy | Download |
| US Dollar Balanced Strategy | Download |
| Sterling Growth Strategy Fund | Download |
| Euro Growth Strategy Fund | Download |
| US Dollar Growth Strategy Fund | Download |