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Products under Amicus Guaranteed Investment Agreement

Amicus Bonus Cash Account

4%
3% annual interest + 1% bonus interest
  • No fixed term
  • Free withdrawals
  • No Fees
  • Guaranteed Fixed Return
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Amicus Regular Savings Plan

6-10%
Up to in Interest per annum.
  • 1-10 years
  • No penalties if payments are skipped
  • No Fees
  • Guaranteed Fixed Return
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Amicus Single Investment Plan

4-9%
Up to in Interest pa.
  • 3-120 months
  • Auto renewal option
  • No Fees
  • Guaranteed Fixed Return
  • Read more

Amicus Guaranteed Investment Agreement

The investment products under Amicus Guaranteed Investment Agreement are Amicus Bonus Cash Account, Amicus Regular Savings Plan and Amicus Single Investment Plan. The minimum investment to an Amicus Regular Savings Plan is 100 USD or the currency equivalent and to Amicus Single Investment Plan and Amicus Bonus Cash Account accordingly 5,000 USD or the currency equivalent. An Amicus Guaranteed Investment Agreement can be signed both by private individuals and companies.

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Amicus Bonus Cash Account

Guaranteed 3.00% Annual Return plus Bonus interest 1.00% per annum
Interest is calculated on a daily balance and added to the account balance annually on the 31st December. The bonus interest is calculated on the average quarterly balance and added to the account balance annually on the 31st December. The new investment period on this account starts on the date we receive the funds from the client.

The number of withdrawals from a Bonus Cash Account is unlimited and they are free of charge. Withdrawals from a Bonus Cash Account will be paid to the account holder’s bank account within ten days of the receipt of the withdrawal request. Clients can also request payments to be made to an International Payment Card account linked to their Bonus Cash Account.

Amicus Regular Savings Plan:

Regular Savings Plan Terms are 1-10 years with Interest payable 6.00-10.00% per annum:

Savings Term Annual Interest
1 year 6.00%
2 years 7.00%
3 years 8.00%
5 years 9.00%
10 years 10.00%
  • The minimum monthly regular investment is 100 USD or the currency equivalent. Higher regular investments are possible without notice. There are no penalties if payments are made irregularly or just once.
  • Payments can be made in all major currencies. The interest payable is the same regardless of the currency choice.
  • New payments are invested on the last day of each month.
  • Capital and accrued interest is transferred to a cash account on the last day of the month at the end of the chosen savings term.
  • Early redemption is possible at any time by giving 30-days’ notice, with a loss of accrued interest for the part of the capital to be withdrawn. Clients should therefore consider carefully the length of their savings term choice.

Amicus Single Investment Plan:

Amicus 3-month Automatically Renewable Fixed Term Account with Guaranteed Annual Return of 4%
The new investment period on this account starts on the date we receive the funds from the client. Capital and agreed returns are automatically re-invested to a new 3-month Account every third month. The number of withdrawals to a Cash Account is unlimited and free of charge.
Amicus 6 and 12-month Renewable Fixed-Term Accounts with Guaranteed Annual Return of 5.00% and 6.25%
The new investment period on these accounts starts on the date we receive the funds from the client. When the investment period of the 6 or 12-month account ends, the capital and agreed return will be transferred to a Cash Account. Capital and agreed returns can also be requested to be automatically re-invested at maturity with the possibility for re-ordering at the latest one month prior to maturity. If the account holder has chosen the automatic renewal option for 6 or 12-month Fixed Term Account, the investment period ends when the account holder has re-ordered the investment term to end at the end of the ongoing investment period.
Amicus 24 and 36-month Fixed-Term Accounts with Guaranteed Total Return of 15.00% (equal to 7.25% pa.) and 26.00% (equal to 8.09% pa.)
The new investment period on these accounts starts on the date we receive the funds from the client. When the investment period of the 24 or 36-month account ends, the capital and agreed return will be transferred to a Cash Account.
Amicus 60 and 120 month Fixed Term Accounts with Guaranteed Total Return of 45.00% (equal to 8.75% pa.) and 100.00% (equal to 9.50% pa.)
The new investment period on these accounts starts on the date we receive the funds from the client. When the investment period of 60 or 120-month account ends, the capital and agreed return will be transferred to a Cash Account. Different interest repayment options are available and you should contact our Customer Service for more information.

General information on all our Products

AVAILABLE CURRENCIES AND RETURNS

An Amicus Guaranteed Investment Agreement can be signed in all major currencies. A list of acceptable currencies can be requested from our Customer Service. The return is the same regardless of the currency choice. If the client requests a currency exchange to be made, a Currency Exchange Fee of 0.25% of the exchanged amount is added to the normal bank rates and is withdrawn from the Cash Account.

AMICUS CASH ACCOUNT – NON INTEREST BEARING TRANSACTIONS ACCOUNT

All account holders signed with Amicus Guaranteed Investment Agreement have a Cash Account as their main account. The Cash Account works also as a transactions account, showing the transaction history of the account holder’s Investment Agreement with Amicus. All investments made will first be booked to the Cash Account and then transferred to the chosen Fixed Term Account on the date they are received. Payments made for Regular Savings Plans will accordingly be transferred to the plan Account on the last day of the relevant month. If no investment order has been specified, the Cash Account balance will then automatically be transferred to a 3 month Automatically Renewable Fixed Term Account. Clients can also request a certain amount to be held on their Cash Account. Vice versa, redemptions from Fixed Term Accounts will always be transferred to the Cash Account.

There is no interest payable to the Cash Account. This means that no interest will be paid for the short period between when the new funds have been booked to the Cash Account and when they are transferred to the chosen Investment Account.

Transfers into the Cash Account can be made on any banking day. Withdrawals from the Cash Account will be paid to the account holder’s bank account within five days from the receipt of the withdrawal request. Clients can also request payments to be made to an International Payment Card account linked to their Cash Account. The number of withdrawals from the Cash Account is unlimited and free of charge.

PAYMENT METHODS

Payments can be made to us in any tradable currency, either as a bank wire or with all major international credit cards. Payments can also be made via MoneyGram or Western Union. Further payment instructions will be given after your application has been approved.

BANK CHARGES AND FEES

Bank charges and fees occurring from clients’ payments to/from Amicus accounts are charged from client’s Cash Accounts as banks have charged them from Amicus Investment. This concerns also possible transfers to clients’ payment card accounts. Payments to an Amicus Regular Savings Plan can be made free of charge by all major international credit cards.

EARLY REDEMPTIONS

Account holders are expected to hold their investment products to the end of their chosen investment period. Early withdrawals can be made from an Amicus Regular Savings Plan by giving 30 days’ notice, by paying the accrued interest as the penalty. In case account holders need to redeem funds from their Amicus Single Investment Plan before the agreed maturity of the underlying investment account, they should contact our Customer Service to receive the terms available for early redemptions.

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How can Amicus Invest pay such high interest rates?

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Amicus Investment Ltd invests over half of its assets into various interest bearing instruments like consumer loan portfolios and corporate bond funds. The rest of our assets are invested into equities globally. Our current fixed return from the consumer loan portfolios is 12% per annum. Our total average annual return from our investment portfolio was 13.12% for the last 24 month ending to 31st December 2016. We monitor our investment portfolio carefully to avoid the worst market drops. For this purpose we use advanced stop-loss order functionalities which are provided by our bank’s trading platform.

We also offer special deals with direct securities for those clients who invest minimum of 50,000 USD/EUR/GBP/AUD with us. These funds are invested forward into our Affiliate Company’s consumer loan business in Europe. This Company offers consumer loans with 22% per annum interest rate and their effective interest rate including all fees charged from loan clients is currently 50% per annum. Amicus Investment Ltd is paid 12% fixed annual return for these investments and we accordingly pay forward to our clients the agreed interest up to 8% per annum. This leaves us an average margin of minimum 4% per annum.

Our Affiliate Company assigns the consumer loan agreements which they have sold with our client’s funds as a security to our client. This security is called a loan portfolio. These consumer loans are granted only to clients with a clean credit history and high enough regular income. The historical credit loss ratio is only 5% of the issued loans due to their strict loan approval policy and effective collection.

As a summary we can pay higher rates than banks due to our different investment portfolio. Especially when we look at our investments into consumer loan portfolios there can be seen that all parties involved have high enough margin from their point of view: Our Affiliate Company earns 22-50% per annum minus their business expenses, Amicus Invest is paid fixed 12% per annum and we pay further to our clients up to 8% per annum depending on the size and length of their investment.

Definition for consumer loan:
An amount of money lent to an individual (usually on a non-secured basis) for personal, family, or household purposes. Consumer loans are monitored by government regulatory agencies for their compliance with consumer protection regulation. Also called consumer credit or consumer lending and pay-day loans.

For larger investments see our special deals

$50 000 and above

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