Why investment planning?

At Isle of Man Bank we do more than help people with their day-to-day finances. We also help them build a better long-term financial future for themselves and their families.

What type of products do we recommend?

The products we suggest are always selected for their ability to meet our clients' individual circumstances and investment objectives. The types of product we typically recommend include:

• Mutual funds - such as OEICS (open Ended Investment Companies) and unit trusts
• Investment bonds - these bonds can offer a wide range of investment options and those with a tax deferred withdrawal feature can be an efficient way to take income for some investors
• Structured products - these are usually fixed term investments which offer you performance related to equity returns and are capital protected if you keep them until they mature
• Discretionary Portfolio Management - saving you time and effort by delegating the responsibility for daily management of your investment portfolio to a specialist investment team

Your investment objectives and tax status will always determine which type of fund is most suitable.

These products can give you access to global markets in:

• Equities - shares in companies that are traded on world stock markets
• Bonds - corporate bonds, Eurobonds and government fixed interest securities
• Property - commercial properties and the shares of companies which invest in property
• Specialist investments - such as hedge funds
• Cash - for short term deposits and security

Whatever you want from life, chances are you’ll need the financial plan to back up your dreams. This is why it makes sense to set out your plans now.

Isle of Man Bank offers independent financial advice so we have access to financial products from a wide range of product providers - including products from The Royal Bank of Scotland Group.

Understanding your requirements

When you use our services, our first priority is to get to know you and your individual circumstances.

You'll have an initial discussion with one of our qualified International Wealth Managers so we can fully understand your:

• Current investment position - whether you already have some investments and what you're planning to do with them
• Investment aims - are you investing for income or capital growth
• Timescales - how long, or short, you're able to invest for
• Attitude to risk - if you're a cautious, balanced or aggressive investor

Tailoring a proposal for you

Once we understand your requirements, we'll develop an investment proposal designed to reflect your personal needs and objectives. We'll choose the most appropriate type of product with the provider we believe will be best suited to your needs.

When completed, we'll supply written explanations of the reasons for our recommendations so we can openly discuss the proposal with you.

If you agree to the proposal, the product providers will generally supply you with an annual review statement. However, if you require a further review during the year, or if your circumstances change, we are always available to help you.

At Isle of Man Bank we have qualified International Wealth Managers working from our offices in Jersey, Guernsey, Isle of Man and Gibraltar.

What to expect

When you deal with an International Wealth Manager, you can expect:

• Professionalism - our fully qualified staff are there to help you
• Honesty - we'll only make recommendations for products that we believe are right for you
• Openness - we'll provide written explanations of the reasons for our recommendations
• No hard selling - we'll provide a no-obligation review of your financial aims and needs

Our advice is independent - we're not tied to any product provider, so we can recommend a range of products in different currencies including sterling, dollar and euro. We have dedicated research teams, including specialist international advisers, who keep a close watch on the market for investment products that are right for our clients.

Whatever your reason for investing, Isle of Man Bank can help you make the right decision.