top of page
A PILLAR OF STABILITY IN THE
EVER-CHANGING TIDES OF FINANCE
SAVINGS AND INVESTMENT PLANS
We have selected a number of leading investment institutions that can provide you access to a diverse range of financial solutions.
We can devise an investment strategy to cover all aspects of your future financial planning. By investing your money in regular and/or single contributions, we help you to meet your bespoke needs such as retirement planning, your children’s education and building a financial nest-egg.
REGULAR SAVINGS
Nothing in the future is guaranteed. Your plans for the coming years may shift as your expectations evolve and adapt. You might want to save for retirement, your children’s education, your family, or even for that special purchase you’ve always dreamed of. One thing is for sure: you will be better positioned to meet these changing needs if you maximize the potential of your savings, providing you with greater security and peace of mind as life unfolds.
LUMP-SUM INVESTMENTS
Some of us will be fortunate enough to come into relatively substantial sums of money during our lives. Are you looking for better returns on your lump sum than bank deposits can offer? We provide investment opportunities within a secure, tax-efficient environment to help you grow financial wealth. Investing over the medium to long term in assets such as equities, provides every opportunity to grow your money and achieve your financial goals.
RETIREMENT FUNDING
PERSONAL RETIREMENT
PLANNING
After dedicating so much time to your career, it is paramount that you have the right retirement plan for you. Whether you aspire to travel the world or prefer the comforts of home, a personalised retirement strategy gives you the freedom to choose. It is never too early to begin planning for retirement, as early preparation can be advantageous. Even if you are nearing retirement age and need to accelerate your savings, it is never too late to take action.
ADDITIONAL VOLUNTARY
CONTRIBUTIONS
Consider making AVC's to boost your pension benefits within your company's scheme. These contributions are made directly by you, the employee, and are invested in the same funds offered by the pension provider. We can help optimize your contributions by guiding you towards a more personalized and secure investment approach and can also transfer any existing AVC holdings into a more bespoke portfolio, ensuring your investments are in the most suitable environment for you, while maintaining privacy from your employer if desired.
PENSION TRANSFERS
This retirement planning option may be highly suitable for individuals with an expat background or those who are retiring outside of Bermuda. Our team at Ocean Tree, along with our offshore legal and tax experts, have extensive knowledge in recommending the most tax-efficient retirement options to help you maximize growth potential. With the support of the Pension Commission, we have access to a variety of international retirement investment plans such as QROPs, offshore trusts, and SIPP's.
FUTURE FINANCIAL SECURITY
FINANCIAL NEST EGG
Do you want peace of mind knowing you are taking a disciplined approach to savings, or knowing you are on your way to fulfilling your dreams? Building a nest egg can help you achieve your personal financial goals. Whether you want to buy a home, ride the waves on your own yacht, or cover the expenses of your child's wedding- a personal savings plan is flexible and key in turning your aspirations into a reality.
CHILDREN'S EDUCATION
Providing education for our children is a valuable investment, but it can come with significant expenses from school to university and beyond. By planning ahead and setting aside funds in a regular savings plan, you can maximise your savings and have access to the funds when needed. We can pay the school or college directly from your plan, reducing the potential of international banking charges.
FUTURE HEALTHCARE
One of the most overlooked savings options is a dedicated healthcare savings plan, which is crucial for preparing for retirement. At Ocean Tree, we are proud to offer this unique opportunity as many insurance companies do not provide a specific plan for future healthcare expenses. In Bermuda, healthcare costs are expected to be a significant expense in retirement, with insurance costs continuing to rise. Our tailored plan allows individuals aged 50 and over to make an immediate lump-sum contribution and regular monthly contributions to build a substantial fund for future healthcare needs. This comprehensive plan provides flexibility in contributions and access to funds, ensuring financial security for individuals and their families.
UNIVERSAL SAVINGS PLAN
If you appreciate the advantages of saving funds through a regular savings vehicle but haven't pinpointed a specific purpose or timeline for your savings yet, this could be the ultimate solution. Rather than keeping funds in low growth assets like a bank account, you can take a disciplined approach to accumulating funds for the medium to long-term. Ocean Tree offers a versatile savings plan that allows for both short, medium and long-term financial goals. With flexibility in contributions and withdrawals, it allows you to adjust your savings strategy as needed, whether you need to stop, reduce or increase payments. If you have extra funds available, you can invest them upfront or add them at any time during the life of the plan. It is a fantastic way in taking the first steps into the world of savings & investments.
OUR PRODUCTS
MUTUAL FUNDS
Enables investors to collectively purchase stocks, bonds, money market instruments and other securities. They are managed by professionals who allocate the fund's assets and attempt to produce capital gains or income for the investors.
STRUCTURED NOTES
Financial instruments that combine a bond and derivative component, offering returns based on performance of an underlying asset. With unique features, such as 100% capital protection or enhanced returns, and can be customised to meet specific objectives.
STOCKS, SHARES AND ETF'S
Stocks represent ownership in a company, shares refer to units of ownership in a company, and ETFs are investment funds that trade on stock exchanges and hold assets. These securities can potentially earn returns based on the underlying assets' performance.
HEDGE FUNDS
An investment fund that pools capital from accredited investors using various strategies. They have more flexibility in their approach and can provide positive return. By employing hedging techniques & leveraging opportunities regardless of conditions.
bottom of page