T-bills are ideal for setting up your emergency funds or achieving that short term goals. Available in 90, 180, 270 and 365 day tenures allowing ready access to your funds.

T-bills are accessible with a minimum investment of J$200,000 and does not attract fees. Interest is paid at the end of the tenure and attracts a 25% withholding tax. If you reside overseas, you may benefit from a reduced rate of taxation.

Encashing before the due date may result in a capital gain or loss on your investment depending on market conditions at the time of encashment.

For investors who need to plan for purchases in the short term and need ready access to their funds. Wealth Access is offered in 30, 90, 180, 270 or 365 day tenures. Investments are denominated in J$, Euro or US$.

The minimum investment is J$200,000, 2,000 Euros or US$3,000. Interest is paid at maturity and attracts withholding tax of 25%. If you reside overseas, you may benefit from a reduced rate of taxation.

There are no fees on Wealth Access accounts Encashing before the due date may result in a capital gain or loss on your investment depending on market conditions at the time of encashment.

• Bonds
• Money Market Securities
• Stocks
• Wealth Protector