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zen.jpegAnnuities & Fixed Income Savings

Generate regular fixed income, or simply grow your savings at a higher interest rate.

With two options to choose from, and three durations for each - and of course the ability to spread your savings across different options - you're sure to find a solution which fits your needs.

Option 1: Accumulate

​For maximum returns, compound your interest - that means you'll get interest on your interest. It's calculated monthly, meaning that each month, the amount of interest you earn goes up - and gets added to your total, and it's all returned to you at the end of the term. Here are the durations and interest rates:​

5 years =   6% interest
7 years =   8% interest
9 years = 10% interest


Example: Deposit $100,000 for 9 years and get back $235,794.77 as one lump sum at the end

Option 2: Access

​You'll receive the interest payments when you want them - monthly, quarterly, semi-annually, or annually. Each payment is the same fixed amount for the duration of the term selected, and your original deposit amount is returned to you at the end. This is ideal if you want to generate a stable income, without the risk of your savings becoming lower - perfect for retirement. Here are the durations and interest rates:

  5 years =   4% interest
10 years =   7% interest
15 years =   9% interest


Example: Deposit $100,000 for 15 years and get back $750 each month, plus $100,000 at the end

Currency Options

Annuities and fixed interest savings bonds are available in the following currencies:

US Dollar (USD), British Pound (GBP), Euro (EUR), Swiss Franc (CHF), Japanese Yen (JPY), Australian Dollar (AUD), Hong Kong Dollar (HKD), Singapore Dollar (SGD), Thai Baht (THB)Canadian Dollar (CND), and New Zealand Dollar (NZD)

The minimum amount is USD $10,000 or currency equivalent​

Safety & Security

All annuities and fixed income savings bonds are issued by Principle Assurance in Hong Kong, a licensed international insurance company which is fully reinsured with Lloyds of London. All deposits are held in cash with HSBC Hong Kong for the entirety of the term, and used as margins of solvency on the insurers balance sheet. Unlike a bank Term Deposit, there is no set mechanism to redeem the savings bonds early - they are fixed and guaranteed for the duration specified. Annuities and fixed interest savings bonds offer a very high level of security, combined with a very good interest rate, but are not flexible - you should take this into account when deciding whether to invest into savings bonds.

Personalised Quotations

If you'd like to purchase an annuity, or would like written confirmation of the amounts payable, we'll be happy to provide you with a personalised quotation, free of charge. We'll need to know how much you're thinking of investing, which option you're interested in, and which duration suits you best.

Application Process

Once you've decided which options suit you best and you've received and are happy with the personalised quotation, you'll need to complete an application form and submit it to us along with a copy of your passport/ID and proof or your residential address. Once confirmation of acceptance is received from Hong Kong, you may transfer funds to the issuer and will then be issued with your annuity certificate and associated documents.

Interest payments will be made to any account of your choice, anywhere in the world, and you can change this in future if you wish. Your interest payments and return of capital will be paid as per the contractual schedule detailed in your personalised quotation.​

Earn tax-free interest

Holding your annuity or fixed income savings in an Exclusive Investment Bond will enable you to earn the interest tax free, as well as benefitting from a number of other advantages. To find out more about this type of holding structure, please click here​​.

To Apply

Please contact us at client.services@imperiumcapital.com

​For more information in a portable data file format, please click here​.