My: Investment Strategy is a single-premium investment account for affluent, high-net-worth and ultra-high-net-worth individuals — built on the same Guernsey-regulated, institutionally-custodied infrastructure as our regular savings plan, but designed around a lump sum rather than a monthly contribution. It's built to travel with you too, whether you're a settled expat or working as a digital nomad.
Three patterns we see in people who've built up capital and aren't sure what to do with it next.
A lump sum from a sale, an inheritance, or years of saving often ends up parked in cash — safe from market swings, but quietly losing ground to inflation year after year.
Off-the-shelf investment products rarely flex to match your actual risk appetite, timeline, or the fact your circumstances will change over the years.
Who inherits your investment, and how smoothly, is too often left undecided — rather than built into the structure from day one.
The same structure works whether you're investing your first meaningful lump sum, or planning succession across a substantial estate.
My: Investment Strategy is issued from Guernsey and regulated by the Guernsey Financial Services Commission (GFSC) — the same regulatory and custodial foundation behind our regular savings plan.
Invest a minimum of US$15,000 to open your account, with additional top-ups accepted from US$1,500 whenever you want to add to it.
Choose Free Selection of Funds — build your own portfolio from institutional share classes and ETFs across our full fund range and major global managers — or opt into the Protected Investment Portfolio strategy for downside protection alongside stock market growth.
Pacific Asset Management (PAM), an independent, FCA-regulated asset manager based in London, is Investment Advisor to the full fund range.
Institutional share classes and ETFs from major managers — including Vanguard, BlackRock, Fidelity, PIMCO, Schroders, Janus Henderson and others — alongside our actively-managed fund range.
Fund switches, missed contributions and partial redemptions all come free of charge — your account can flex as your circumstances change, without penalty.
Free beneficiary designation means who inherits your investment — and how smoothly — is decided upfront, not left as an afterthought.
| Structure | Typical annual charge | Best suited to |
|---|---|---|
| No fixed term | No upfront allocation charge; ongoing charge varies by structure | Clients who want maximum flexibility with no commitment period |
| 3-year structure | A modestly lower ongoing charge in exchange for a shorter commitment | A shorter, defined commitment period |
| 5-year structure (default) | Ongoing charge reduces further the longer you stay invested | Most clients — the standard structure |
A modest one-off setup fee applies at inception. Fund switches, missed contributions and partial redemptions are always free of charge. The exact structure and fee schedule available to you will be confirmed as part of your personal illustration before you commit to anything.
Alongside free fund selection, you can invest your lump sum into the Protected Investment Portfolio (PIP) — locking in a high proportion of your highest-ever account value from day one, with full participation in stock market growth and daily liquidity.
See how PIP works in full →Every layer — regulation, custody, and fund advice — sits with an established, independently regulated institution.
Every investment carries real terms and real risk — here's what's worth knowing upfront.
Our underlying provider holds client assets as trustee under Guernsey's Segregation Rules, and the custodian bank expressly acknowledges that client accounts cannot be combined with any other account or asset — so your investment doesn't sit exposed on a company balance sheet the way it would with a typical insurance-company investment bond.
Statutory investor compensation schemes are built around firms that hold client assets on their own balance sheet. Because your assets are legally segregated and you're the sole beneficiary of the trust, they generally aren't relevant to this structure in the same way — and in a bankruptcy event, your assets can't be claimed by the company's creditors.
This is an investment, not a bank deposit. The value of your account can fall as well as rise, and outside the Protected Investment Portfolio there is no guaranteed floor on your capital.
Charges, allocation rates and any commitment period vary by the specific charging structure applied to your account — your adviser will confirm the exact terms before you invest.
My: Investment Strategy covers the vast majority of what our clients need. But for high-net-worth and sophisticated investors with larger, more complex, or more specific requirements, Pacha Wealth also has access to a wider universe of solutions beyond our core range — including additional international investment platforms and direct access to specialist funds not available through the standard fund range.
The Investment Platform is regulated by the Mauritius Financial Services Commission and gives access to over 2,000 collective investment funds, together with direct shares, bonds, structured products and ETFs, alongside a discretionary management service. Notably, it's also one of the few platforms suitable for US citizens living outside the United States, where many international platforms won't accept US persons at all — US clients are subject to an additional annual fee to cover FATCA filing.
Targets long-term capital growth through a globally diversified, equity-led portfolio — including structural growth themes such as AI infrastructure, clean energy and healthcare innovation — complemented by diversified fixed income and alternative strategies for ballast.
A concentrated, long-term value equity strategy focused on family-owned world market leaders and businesses trading below their net asset value, across Western Europe, the US and Japan — built for investors comfortable with a genuinely benchmark-agnostic approach.
Both funds are marketed, by their own terms, to professional clients and eligible/sophisticated investors rather than the general public — so full factsheets, track records and subscription details are shared directly once we've had a conversation and confirmed eligibility, rather than published here. Beyond these two, we also have access to a wider range of approved investment products selected case by case. If this sounds like what you need, tell us so when you request your call below.
Answer a few quick questions and we'll call you directly to talk through how much you're looking to invest, which structure suits you, and whether a bespoke solution might be the better fit — no obligation.
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