Managed Investment Account


Managed Investment Account

The Managed Investment Account is a personalised bespoke investment account for investors seeking flexibility and liquidity. The account is the most flexible investment arrangement in Portugal, using the well respected investment companies to manage your investments, with the lowest investment management fees.

Managed on the investors behalf by highly reputable investment management companies, the Managed Investment Account has transparent terms and conditions.

Unlike many other investment products available from banks and other financial advisory companies, the Managed Investment Account does not have any initial or upfront charges, and neither does the account have any exit fees or redemption penalties. Furthermore, there is no conditional minimum term or period of investment. Therefore, the investor has full and immediate access to their capital at any time.

Unitised Portfolio Account
Discretionary Managed Account
Initial Fees
0% - 100% invested
Initial Fees
0% - 100% invested
Exit Fees
0% - Full access
Exit Fees
0% - Fully access
Withdrawal Penalties
0% - Flexible
Withdrawal Penalties
0% - Flexible
Investment Term
None - No fixed term
Investment Term
None - no fixed term
Management Fee
0.25% per quarter
Management Fee
0.3125% per quarter

Flexible, Equitable & Accessible

How is the Managed Investment Account beneficial for you?

The Total Expense Ratio (TER/OCF) is 1.00% per annum for the Unitised Portfolio Account, and for the Discretionary Managed Account, it is 1.25% per annum. These charges are the maximum that you will pay as all third party fees and disbursements are included within these charge rates.

Compare this to other forms of investments such as a typical "Wrapper" or an Investment Bond, these investment products ordinarily have annual product service charges of 1.00% per annum, plus investment management charges varying between 0.95% to 2.75% per annum, if not higher. As you will note, these fees can total 1.95% to as much as 3.75% per annum deducted from your capital and investment profits.

In addition to these charges, some products or accounts will levy exit fees or redemption charges equating to as much as 9.5% of your capital value on withdrawal.

Our Managed Investment Account Service
Insurance Bonds and Wrappers
Proactive investment management
Reactive & passive investment management
Low charges
High charges
Fully Flexible
Inflexible contractual terms
Investment Managers available to meet in Portugal
Investment managers inaccessible - no contact
Liquidity - 3 banking days
Poor liquidity - up to three weeks to finalise withdrawals
No investment restrictions
Investment restrictions
No exit or encashment penalties
High exit penalties during the first 10 years