Yes, your assets are fully protected. They are held in a legally separate structure known as a Segregated Portfolio Company (SPC). This means your investments are isolated from ITA's corporate liabilities and cannot be accessed by its creditors. Your assets are held for your benefit by world-class custodians, J.P. Morgan and BNY Mellon.

Asset segregation ensures your capital is legally protected and held separately from the platform provider's (ITA's) corporate assets. This is achieved through a Segregated Portfolio Company (SPC), a legally-mandated structure under the Labuan Financial Services and Securities Act 2010. To understand this in a local context, the principle is similar to how your savings in the Employees Provident Fund (EPF/KWSP) are safeguarded. Your EPF funds are your own and are legally segregated from the EPF's operational assets. Similarly, the SPC structure acts like a secure personal vault for your investment portfolio. It legally 'ring-fences' your assets, ensuring they cannot be touched by ITA's creditors, even in the unlikely event of a business failure. Your investments remain securely and separately held for your benefit.

Your investment is protected by a robust, multi-layered regulatory framework with ultimate oversight from the Minister of Finance of Malaysia. The investment platform itself, ITA Asia Ltd., is licensed and regulated by the Labuan Financial Services Authority (LFSA), a statutory body that operates directly under the purview of the Ministry of Finance. Furthermore, the distribution in Malaysia is conducted through licensed Financial Adviser Representatives who are overseen by Bank Negara Malaysia (BNM). As the central bank, BNM is also accountable to the Minister of Finance, ensuring that all local advisory activities adhere to national financial policies. This dual oversight from both LFSA and BNM, both linked to the Ministry of Finance, provides a secure, government-backed regulatory environment for your capital, complemented by the regulation of the underlying global funds in their respective top-tier jurisdictions.

Investors Trust has a strong financial stability profile, demonstrated by its "A-" (Excellent) rating from AM Best, a leading global credit rating agency for the insurance industry. This rating indicates an excellent ability to meet ongoing insurance and financial obligations, providing a crucial measure of confidence for investors.

Labuan is a well-regarded international business and financial centre (IBFC) in Asia. Its legal framework provides robust support for structures like the Segregated Portfolio Company (SPC). Furthermore, since these insurance-based investment policies are denominated in foreign currencies (e.g., USD) rather than MYR, a specific license from the Labuan Financial Services Authority (LFSA) is required. This ensures adherence to high international standards of compliance and governance, offering a secure and efficient base for global investments.

This is a valid concern. It's important to clarify that while the portfolio is denominated in USD, it is a globally diversified portfolio, not a US-only investment. The funds are spread across various economic regions (US, Europe, Asia) and asset classes. Crucially, the asset manager actively navigates these geopolitical risks, tactically adjusting allocations to mitigate threats and capture opportunities in different parts of the world. This active management is key to navigating an unstable global environment.

Holding all your wealth in a single currency and a single country's economy can be a form of concentration risk. True wealth preservation often involves diversification. By holding assets in major international currencies like USD through this portfolio, you are diversifying away from a sole reliance on MYR. In a severe global crisis, all economies and currencies would likely be impacted, including Malaysia's. Therefore, global diversification is a proven strategy for enhancing long-term stability, not increasing risk.

No, the primary driver of your return is the performance of the underlying investments—the global companies and bonds in the portfolio—not currency movements. USD is used as the base currency for reporting and administration, but the assets themselves are global. Your returns are generated from economic activity across the world. Currency fluctuations can have a short-term impact, but the long-term growth is designed to come from the assets themselves, providing a more robust source of returns.

Yes. While the "Balanced Low-Risk" strategy is designed to mitigate losses and reduce volatility, it does not eliminate market risk. The value of your portfolio will fluctuate based on the performance of the underlying assets. The structural safeguards protect your legal ownership of the assets, ensuring they are held securely for you and cannot be claimed by creditors of the platform. This protection is for the assets themselves, not their fluctuating market value. Past performance is not an indicator of future results.

The ISIN serves as the definitive global identifier for each security within your portfolio, providing a fundamental layer of transparency and verification. This unique 12-digit code irrefutably proves that each fund is a legitimate, registered financial instrument, eliminating any ambiguity about your holdings. It allows you, your adviser, and the custodian to independently track, verify, and audit the precise securities in your account. This is a cornerstone of institutional-grade asset management, ensuring absolute clarity and integrity in your portfolio. This same global standard is used for all regulated unit trusts in Malaysia, each having its own unique ISIN. Verify with Global ISIN Database

This portfolio is operated on a discretionary management basis. It is a single, focused strategy engineered to deliver superior risk-adjusted returns with an emphasis on capital preservation and low volatility. While the portfolio is not individually customisable, its core design is to provide a sophisticated, 'hands-off' wealth preservation solution that aligns with the objectives of discerning, risk-averse investors. This model is not suited for those seeking high-risk, speculative returns.

Yes, absolutely. This global portability is a significant advantage of the platform. Because your investment is held in a major currency like USD on an international platform, you have complete flexibility. When you wish to make a withdrawal, you can instruct for the funds to be sent to a bank account in your name in most countries worldwide. The platform will handle the currency conversion from USD to your desired currency (e.g., SGD, AUD, EUR) at prevailing market rates before transferring the funds. This makes it an ideal solution for funding life events overseas, such as children's education or property purchases.

This portfolio is exclusively available to individuals who qualify as 'Sophisticated Investors' as defined by the regulations of Bank Negara Malaysia (BNM). Your licensed Financial Adviser Representative will verify your eligibility as part of the onboarding process.

Paramount Private Wealth represents the pinnacle of specialized financial counsel within our licensed Financial Adviser firm, Advance Fin Advisory Sdn Bhd. Our representatives, under Advance Fin Advisory, work with you to understand your goals, determine suitability, and facilitate your investment onto the Investors Trust platform. We provide the ongoing support and client relationship management for your portfolio through the Paramount Private Wealth service.

We believe in a dual approach of high-tech and high-touch reporting. You will have 24/7 unfettered access to a secure online portal, offering a comprehensive, real-time view of your portfolio's transactions, holdings, and daily valuations. To complement this, your dedicated Financial Adviser's Representative (FAR), who is regulated by BNM, will provide you with a curated monthly investment summary. This executive report offers expert commentary and a high-level overview of your portfolio's progress, ensuring you are both empowered with data and supported by professional advice.

The first step is to speak with one of our licensed Financial Adviser Representatives. You can contact us through our website to schedule a complimentary, no-obligation consultation. We will discuss your financial objectives, assess your suitability, and guide you through the entire process from application to execution.

Yes, the insurance-based structure can offer a higher degree of creditor protection compared to holding assets directly in a personal name. Because the policy legally owns the underlying investments, the assets are generally placed further from the reach of personal creditors.

Yes, this structure provides a powerful shield for your assets. The capital within the policy is legally segregated and protected from third-party claims in a bankruptcy scenario. Crucially, this protection does not prevent you, the policy owner, from accessing your funds according to the policy's standard terms for withdrawals. The capital remains available for your use, even as it is safeguarded from external creditors. While this structure is robust, we strongly advise consulting with your legal counsel to understand how these protections apply to your unique personal and business circumstances.