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Planning for Today Income, growth or both In an uncertain world, a fixed-rate investment plan can provide you and your family with the security of a guaranteed return or regular income, immune from the ever-fluctuating nature of the economic environment. Alternatively, a variable or index-linked investment plan can offer the potential to grow your wealth through market participation, or you can combine these strategies to cover all bases.

Planning for Tomorrow Protecting your legacy Securing your family’s financial future is perhaps the most important thing you will ever do. Succession planning can be daunting and complex. However, with the help of your financial advisor and the appropriate choice of a tried and tested investment plan, preparing for the future can be made simpler, leaving you to enjoy time with your loved ones, safe in the knowledge you’ve done what’s best for them.


Established in 1998, Northstar has always been solely focused on providing financial solutions to meet the needs of international investors. All Northstar investment plans provide the benefits of a Bermuda trust that enables estate planning and the efficient transfer of wealth from one generation to the next. By participating in a Bermuda trust, you will be able to choose your beneficiaries and pass your legacy to them in a timely manner without having to go through probate proceedings in your home country. Furthermore, trust income is not subject to tax in Bermuda. Northstar products are approved for distribution by an extensive range of banks and other financial institutions and the company has clients based in more than 100 countries.

In an ever-changing world where international investors are faced with an increasing number of choices, Northstar can help navigate the way to securing your family’s financial future.


Northstar Investment Plans All Northstar Investment Plans provide clients with segregated account protection and a variety of commitment periods, as well as the benefits of a Bermuda trust structure. With a range of proven fixed-rate, variable and indexlinked investment plans, Northstar has the right investment solution for you and your family.

Fixed-Rate Investment Plans Northstar’s fixed-rate solutions provide clients with guaranteed interest rates and income options, as well as generous annual free liquidity. You can also elect to further protect the value of your investments by adding optional principal protection. – Competitive guaranteed rates – Optional return of principal benefit – Annual free withdrawals

– Secured by a bond portfolio held in custody at HSBC and managed by BlackRock – Income options available on monthly, quarterly or annual basis


Variable Investment Plans Northstar’s variable solutions offer easy access to a broad range of leading asset managers, as well as generous annual free liquidity. You can also choose from five pre-designed model portfolios with ongoing fund assessment and risk monitoring features at no additional cost. – Access to a broad range of leading asset managers and five model portfolios

– Annual free withdrawals

– Unlimited free transfers between fund and managed model portfolio options

– Income options available on monthly, quarterly or annual basis

– Optional Dollar Cost Averaging and Asset Rebalancing programs

Index-Linked Investment Plans Northstar’s index-linked solutions combine the benefits of principal protection with the upside potential of equity markets. You can choose from a range of features and maturity dates to find the option best suited to you. –  In some cases more than 100% of the upside of equity markets

–  Market participation backed by an A rated bank

–  Principal protection predominantly backed by investment grade bonds

– 100% principal protection at maturity

–  Index returns can be locked in annually


Investor Protection With a strong and stable economy and a long history of providing financial services to international high net worth individuals, Bermuda is the jurisdiction of choice for many of the world’s leading insurance companies.

to the stringent capital and reporting requirements imposed by the BMA and investors benefit from the numerous protections provided by the segregated accounts legislation.

The Bermuda Monetary Authority (BMA) supervises, regulates and inspects financial institutions operating in the jurisdiction. As a regulated insurer and Segregated Accounts Company, Northstar is subject

Northstar maintains a strong capital position, comfortably in excess of regulatory requirements, and the company has always met all of its obligations on time and in full.

Global Coverage Northstar is headquartered in Bermuda with further offices in the US, Europe and the Middle East to help support our global client base.


Trusted Partners To further safeguard your assets, Northstar is partnered with some of the world’s largest financial institutions. Banking and custody services are provided by HSBC and BlackRock manages the investment grade bond portfolio backing the fixed-rate products.

HSBC is one of the world’s largest banking and financial services organisations with more than 6,300 offices in both established and emerging markets serving around 54 million customers. The firm’s network covers 75 countries and territories in Europe, the Asia-Pacific region, the Middle East, Africa, North America and Latin America.

BlackRock is a leader in investment management, risk management and advisory services for institutional and retail clients worldwide. The firm has around 11,400 employees in more than 30 countries and a major presence in key global markets, including North and South America, Europe, Asia, Australia and the Middle East and Africa.

There are more than 100 funds available on the Northstar variable platform, managed by some of the world’s leading asset managers. Investment options include institutional share classes as well as index funds.


Contact your Financial Representative to discover how Northstar can help you achieve your investment goals and secure your family’s financial future. northstarfinancialservices.bm +1 877 212 0012 northstarbermuda@nfs.bm Northstar Financial Services (Bermuda) Ltd Maxwell Roberts Building, 5th Floor, 1 Church Street, Hamilton, HM11, Bermuda.

Northstar is regulated by the Bermuda Monetary Authority and is a Segregated Accounts Company. This presentation has been prepared for information purposes only and is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Northstar products are not available to US persons or citizens or residents of Bermuda. Model portfolios are not available in Canada or to Canadian residents. Certain Northstar products may not be available to prospective investors in certain jurisdictions. Potential investors should refer to the applicable product contract for a complete description of all the terms and conditions related to any specific product. Northstar does not provide any tax, legal or financial advice. Prospective investors are responsible for making their own investment decisions and should seek independent advice if required. Prospective investors are solely responsible for determining the tax and legal regulations of any applicable jurisdictions by consulting with their tax and legal advisors regarding their individual circumstances. The information described in this document is accurate at time of publication and is subject to change without notice. No assurance, warranty or representation is provided by Northstar as to the expected performance, completeness, accuracy or fitness for purpose of any of the information and/or products described herein. All Northstar contracts, terms and conditions and presentation materials are produced in English. Where corresponding documents have been translated into another language, the version in English shall prevail. Northstar Financial Services (Bermuda) Ltd. is regulated by the DFSA as a Representative Office.

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