Complimentary X-Ray Review · Second Opinion
Is Your Investment Policy Working as Hard as It Should?
Whether you're satisfied with your existing investments or have concerns about their performance, charges or suitability, an independent second opinion can help you understand your options and make more informed decisions about your financial future.
Complimentary assessments for existing offshore investment bonds, regular savings plans, portfolio arrangements and eligible pension investments.
No obligation to transfer, surrender or change your existing investments.
Request your complimentary review
Tell us about your existing policy
When Did You Last Have Your Investments Independently Reviewed?
Many investors hold investment policies for years without fully understanding their underlying charges, investment allocations or contractual terms. Others may have concerns about performance or the advice they originally received.
An independent review can provide valuable clarity, whether your current arrangements are performing satisfactorily or there may be opportunities for improvement.
- 01Fees & Charges
- Do you know the total cost of your policy, including administration, fund management and advisory fees?
- 02Investment Performance
- How have your investments performed against appropriate benchmarks, taking account of your objectives and risk profile?
- 03Contractual Terms
- Are you aware of any restrictions, surrender penalties or other conditions attached to your policy?
- 04Ongoing Suitability
- Do your existing investments remain appropriate for your financial circumstances, objectives and long-term plans?
Policies we review
Already Hold an Offshore Investment Policy?
Renascence Capital assists individuals seeking an independent assessment of existing investment arrangements, including policies issued by a range of international providers.
- RL360
- Friends Provident International
- Utmost International
- Zurich International
- Quilter International
- Hansard International
- Providence Life
- And other providers
Other international investment and savings arrangements may also be eligible for review.
Arrangements we can assess
- Offshore investment bonds and portfolio bonds
- Regular savings and contractual investment plans
- International investment platforms
- SIPPs and QROPS, where advice is within our permitted scope
- Existing managed investment portfolios
Provider names are shown solely to identify the types of policies we can review and do not imply any affiliation with, endorsement by, or commercial relationship with those providers.
The X-Ray Review
A Clearer Understanding of Your Existing Investments
Our X-Ray Review is designed to help you gain a clearer understanding of your existing policy, identify potential concerns and consider whether your arrangements remain appropriate.
- 1
Charges & Cost Structure
Examination of available information on policy fees, administration charges, fund expenses, advisory costs and other applicable charges.
- 2
Investment Performance
Assessment of historical investment performance, where appropriate, against relevant benchmarks and your objectives.
- 3
Portfolio Composition & Risk
Review of underlying investment holdings, asset allocation, concentration and risk exposure.
- 4
Policy Terms & Restrictions
Consideration of relevant policy terms, contractual commitments, surrender penalties and other restrictions.
- 5
Potential Improvements
Identification of matters that may merit further consideration — including retaining the existing structure, adjusting the underlying investments or considering alternatives where suitable.
Why review
Good Financial Decisions Begin With Clarity
Many investment arrangements were put in place years ago, often under quite different financial circumstances. Since then, a great deal may have changed.
An investment arrangement that was suitable when it was established may not necessarily remain the most appropriate solution today.
Equally, a review may confirm that your existing arrangement remains suitable — and that clarity has value in itself.
- Relocation to another country
- Changes in investment objectives
- Approaching retirement
- Changes in available investment options
- Evolving tax or regulatory considerations
- Changes in risk tolerance
2018
Established
Why Renascence Capital
Independent Thinking. Your Interests First.
Renascence Capital was founded to challenge an advisory industry in which opaque fee structures, unnecessary complexity and product-led recommendations can work against investors' interests. The people who own the business run the business — so our focus remains on our clients.
- Independent, client-focused advice
- Owned and run by its partners, with no external shareholders directing what we recommend.
- Transparency
- Clear explanations of fees, investment structures and the reasoning behind any recommendation.
- International experience
- Advising internationally mobile clients holding assets across multiple jurisdictions.
- Cost-conscious investing
- An emphasis on suitable, efficient investments rather than product-led solutions.
- A long-term view
- Managing wealth with patience and attention to your objectives over time.
- Cross-border understanding
- Familiarity with the complexities of offshore and cross-border financial arrangements.
How it works
Requesting Your Review Is Straightforward
- 01
Tell Us About Your Policy
Complete the short enquiry form with your policy provider, approximate investment value and principal area of concern.
- 02
Discuss Your Existing Arrangements
A Renascence representative will contact you to establish the nature of your policy, understand your requirements and explain what information may be needed.
- 03
Understand Your Options
Subject to review eligibility and the scope of the assessment, we will help clarify relevant aspects of your current arrangements and discuss potential next steps.
No obligation to proceed with further advice or make changes to your existing arrangements.
Request Your Complimentary Investment Policy Review
Tell us a little about your existing investment arrangements and a member of our team will be in touch to discuss how we may assist.
- Complimentary initial assessment
- No documents required to enquire
- No obligation to change your arrangements
Frequently Asked Questions
Your Investments Deserve a Second Look.
Whether you're concerned about your existing investments or simply want reassurance that your arrangements remain appropriate, an independent assessment can provide valuable clarity.