Who makes portfolio decisions?
Clarify whether investments follow a model, a discretionary service or instructions from an appointed adviser.
Existing plan review
Praemium account review.
Explore an informed review of your existing investment platform account. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Praemium website · Terms and availability depend on your contract
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Your starting point
Understand what you already have.
An informed assessment focuses on the precise account, assets and access rights rather than generic platform claims.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
A plan-specific discussion
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Review focus
Three areas worth exploring.
01
Assess underlying holdings and allocation
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Understand platform fees and account structure
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Review suitability of ongoing servicing
Assessment depends on current documents, your objectives and the specific contractual conditions.
Praemium policy questions
What should you check before changing anything?
Managed models and individually selected investments can create different questions for a Praemium account. The first step is understanding the precise mandate, the legal structure of the account and how the investment decisions are made.
How is performance measured?
Look for a result adjusted for inflows and withdrawals, and identify the benchmark used for comparison.
Where do the charges arise?
Understand model, platform, fund, transaction and adviser costs where relevant.
Documents that make a review more useful
Investment mandate, current valuation, fee disclosures, performance reports and any adviser agreement.
You can read our guide to understanding a policy valuation before sharing a statement.
Can I judge a Praemium account only from its last monthly return?
A single month is usually too short. Review a suitable period, risk, cash flows and fees.
For questions about your current adviser, see financial adviser second opinions.
Already know your provider?
Go directly to a review page tailored to your existing plan.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Take the next step
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
Choose a convenient time
Prefer to speak with us?
After sending your details, book your free review call directly on this page. You can choose a time that suits your time zone.
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Expat Wealth Desk · Review Call
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Frequently asked
Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.