Ask just about any expatriate Financial Adviser about savings and investment and chances are they will recommend the use of a "Portfolio Bond”, (also known as Captal Redemption Bonds, Offshore Insurance Wrapper and PPBs) . Structured correctly they can be the most effective and powerful tool, reducing administration, allowing access to global markets and significantly reducing costs.

Whilst Financial Advisers are quick to point out the various benefits of Portfolio Bonds, they are not quite so forth coming when it comes to the costs and fees associated with these vehicles and the level of commissions they receive, not just on the establishment of the bond but on all the underlying investments held within the bonds.

In fact, in the vast majority of cases advisers have used these vehicles to disguise, hide and even maximise their personal earnings at the expense of the client, resulting in reduced performance and in some cases significant capital loss.

This “
Survival Guide” is useful guide for those thinking about establishing a Portfolio Bond and essential reading for anyone that already has one in place.
SURVIVAL GUIDE REQUEST FORM
>
Please send me your Survival Guide to Personal Portfolio Bonds: ".$checkbox."
"; ?>
>
I already have a Personal Portfolio Bond and I would like to know what my options are.: ".$checkbox."
"; ?>
Name:: ".$_POST['input-stacks_in_978_page5']."
"; $subject = $subject." / ".$_POST['input-stacks_in_978_page5']; ?>
Please take care when entering your email address to ensure there are no typos. Thank you.
Email: ".$_POST['email-stacks_in_1090_page5']."
"; $email = $_POST['email-stacks_in_1090_page5']; ?>
We have not made this a required field but completion is appreciated.
Mobile Phone:: ".$_POST['input-stacks_in_1014_page5']."
"; ?>
Country of Residence:: ".$_POST['input-stacks_in_1050_page5']."
"; ?>
Message:: ".$_POST['input-stacks_in_1068_page5']."
"; ?>
Choose File
You can uplaod files relevant to your enquiry here
$max_allowed_file_size ) { $errors .= "\n Size of file should be less than 20MB"; } //------ Validate the file extension ----- $allowed_ext = false; for($i=0; $i
Please type the number in blue
Autoreply
From
Subject
HTML Body
Thanks for your email!

Someone should be contacting you shortly.

-Autoreply EOD; $autoreplyBody = strip_tags($autoreplyHtmlBody);?>
IP Address: ".$_SERVER['REMOTE_ADDR']."
";//REMOVE IP ADDRESS FOR UPDATE $htmlBody = "
" . $htmlBody . "
"; // ------------------------------------ // // HAS CAPTCHA // ------------------------------------ // if (isset($hasCaptcha)) { if(isset($_POST["captcha"])&&$_POST["captcha"]!=""&&$_SESSION["code"]==$_POST["captcha"]){ // ALTERNATIVE MAILER $to = '[email protected]'; // a random hash will be necessary to send mixed content $separator = md5(time()); // carriage return type (we use a PHP end of line constant) $eol = PHP_EOL; // main header (multipart mandatory) $headers = "From: <".$emailFromH.">" . $eol; $headers = "Reply-To: ".$name." <".$email.">" . $eol; $headers .= "MIME-Version: 1.0" . $eol; $headers .= "Content-Type: multipart/mixed; boundary=\"" . $separator . "\"" . $eol . $eol; $message = "" . $separator . $eol; $message .= "Content-Transfer-Encoding: 7bit" . $eol; $message .= "This is a MIME encoded message." . $eol . $eol; // message $message .= "--" . $separator . $eol; $message .= "Content-type:text/html;charset=UTF-8" . $eol; $message .= "Content-Transfer-Encoding: 8bit" . $eol . $eol; $message .= $htmlBody . $eol . $eol; // attachment if (isset($path_of_uploaded_file)) { foreach($path_of_uploaded_file as $k=>$v){ if (!empty($v)) { $file_size = filesize($v); $handle = fopen($v, "r"); $content = fread($handle, $file_size); fclose($handle); $content = chunk_split(base64_encode($content)); $message .= "--" . $separator . $eol; $message .= "Content-Type: application/octet-stream; name=\"" . $v . "\"" . $eol; $message .= "Content-Transfer-Encoding: base64" . $eol; $message .= "Content-Disposition: attachment" . $eol . $eol; $message .= $content . $eol . $eol; } } $message .= "--" . $separator . "--"; } //SEND Mail if (mail($to, $subject, $message, $headers)) { echo "

Message Sent!

"; } else { echo "

Mail() Error

" . $mail->ErrorInfo . " " . $errors . "

"; } $from = '[email protected]'; $headersReply = "MIME-Version: 1.0" . "\r\n"; $headersReply .= "Content-type:text/html;charset=UTF-8" . "\r\n"; $headersReply .= 'From: '. $emailFromH . "\r\n"; $autoreplySubject = html_entity_decode($autoreplySubject); mail($email,$autoreplySubject,$autoreplyHtmlBody,$headersReply); // PHPMAILER } else { echo "

Captcha Error!

Input did not match. Please try again.

"; } // ------------------------------------ // // DOES NOT HAVE CAPTCHA // ------------------------------------ // } else { // ALTERNATIVE MAILER $to = '[email protected]'; // a random hash will be necessary to send mixed content $separator = md5(time()); // carriage return type (we use a PHP end of line constant) $eol = PHP_EOL; // main header (multipart mandatory) $headers = "From: <".$emailFromH.">" . $eol; $headers = "Reply-To: ".$name." <".$email.">" . $eol; $headers .= "MIME-Version: 1.0" . $eol; $headers .= "Content-Type: multipart/mixed; boundary=\"" . $separator . "\"" . $eol . $eol; $message = "" . $separator . $eol; $message .= "Content-Transfer-Encoding: 7bit" . $eol; $message .= "This is a MIME encoded message." . $eol . $eol; // message $message .= "--" . $separator . $eol; $message .= "Content-type:text/html;charset=UTF-8" . $eol; $message .= "Content-Transfer-Encoding: 8bit" . $eol . $eol; $message .= $htmlBody . $eol . $eol; // attachment if (isset($path_of_uploaded_file)) { foreach($path_of_uploaded_file as $k=>$v){ if (!empty($v)) { $file_size = filesize($v); $handle = fopen($v, "r"); $content = fread($handle, $file_size); fclose($handle); $content = chunk_split(base64_encode($content)); $message .= "--" . $separator . $eol; $message .= "Content-Type: application/octet-stream; name=\"" . $v . "\"" . $eol; $message .= "Content-Transfer-Encoding: base64" . $eol; $message .= "Content-Disposition: attachment" . $eol . $eol; $message .= $content . $eol . $eol; } } $message .= "--" . $separator . "--"; } //SEND Mail if (mail($to, $subject, $message, $headers)) { echo "

Message Sent!

"; } else { echo "

Mail() Error

" . $mail->ErrorInfo . " " . $errors . "

"; } $from = '[email protected]'; $headersReply = "MIME-Version: 1.0" . "\r\n"; $headersReply .= "Content-type:text/html;charset=UTF-8" . "\r\n"; $headersReply .= 'From: '. $from . "\r\n"; $autoreplySubject = html_entity_decode($autoreplySubject); mail($email,$autoreplySubject,$autoreplyHtmlBody,$headersReply); // PHPMAILER } } ?>