Are you living in France and holding a Lombard Assurance Vie policy? If so, you may be paying more in fees than necessary, which could be impacting the long-term performance of your investments. At Harrison Brook, we specialise in helping expats upgrade their financial plans, and we’ve recently helped clients like you achieve better outcomes by reducing fees and improving investment performance. Read on to discover how we can help you take control of your Assurance Vie policy and secure a brighter financial future.
Why Fees Matter for Your Investments
High fees can significantly hinder the growth of your investments over time. While Assurance Vie products offer tax advantages, the fees associated with some policies—especially those with providers like Lombard International (recently acquired by Utmost Group)—can eat into your returns. Over the medium to long term, these fees can compound, reducing the value of your investments. I have come across a number of policies with annual fees above 3%, particularly those set up by advisers recommending an Assurance Vie through Lombard International. With fees this high, it’s difficult to generate strong returns over the long term. The investments have to grow by 3% a year just to break even!
At Harrison Brook, we focus on keeping costs low. Our transparent fee structure ensures that you know exactly what you’re paying for. We’re proud to offer lower fees than our competitors in France, while delivering exceptional service and results.
Investing in Cost-Effective Funds
The choice of underlying investments within your Assurance Vie policy is crucial. Many policies are loaded with expensive, actively managed funds that underperform compared to low-cost, diversified alternatives.
At Harrison Brook, we prioritise cost-effective funds, such as index funds and ETFs, which offer excellent diversification and competitive performance. This approach ensures that more of your money is working for you, helping to maximise your returns.
How Harrison Brook Can Help
We provide a comprehensive review of your Assurance Vie policy, evaluating the fees, investment strategy, and overall performance. Here’s how we can make a difference:
- Lower Fees: Our streamlined model allows us to offer lower fees than many competitors, improving your net investment returns.
- Tailored Investment Strategy: We build portfolios designed to achieve medium to long-term growth, aligned with your financial goals.
- Expert Guidance: Our team of experienced advisers understands the unique needs of expats in France and can help you make informed decisions.
Why Clients Choose Harrison Brook
Clients who have switched to Harrison Brook report being highly satisfied with the improved performance of their Assurance Vie policies. Here are just a few reasons they choose us:
- Transparent and competitive fees
- Access to cost-efficient and high-performing funds
- Personalised financial advice tailored to their needs
- A commitment to exceptional service
Take Control of Your Assurance Vie Today
If you’re concerned about the fees and performance of your Assurance Vie policy with Lombard International, now is the time to act. At Harrison Brook, we specialise in helping expats like you optimise their financial plans and achieve their goals. Contact us today for a free, no-obligation review of your policy. Let us show you how we can help you save money and improve your financial outcomes.
Get in Touch
To learn more about how we can help, contact Harrison Brook today. Our team is ready to assist you in optimising your Assurance Vie policy and securing your financial future.
