European Capital Account

A flexible award-winning investment solution

Our award-winning European Capital Account (ECA) is a flexible investment solution designed for people looking for investment growth over the medium to long term.

Freedom to adapt

Once your clients have invested their initial lump sum of £10,000 (€15,000), they can make regular* or one-off payments as they wish. Your clients are free to stop, start or vary their regular premiums at any time, without charge. In addition, they can make one-off or regular withdrawals at any time (charges may apply). Please see the product brochure  for information about charges.

The ECA allows them to consolidate their investments in one place and to switch easily between funds, free of charge. It offers a choice of over 150 funds from leading fund managers, covering a wide range of asset classes, sectors and currencies.

* Regular premiums can be paid following an initial premium of £10,000 (€15,000). Please see the product brochure for more information. 

Who might benefit from the European Capital Account

The ECA can be used as an integral part of financial planning strategies for your English speaking, expat clients who wish to defer tax on savings, education fees or retirement funding.  There is no obligation to save specific amounts at set times, which could be ideal for clients who:

  • have a high disposable income
  • receive large but irregular payments
  • expect to have surplus income for a limited time
  • have a relatively modest amount to save, for example £10,000 (€15,000)
  • wish to invest in a tax efficient environment in funds which may return more than deposits.   

IA International Life Awards 2016 - Winner - Europe - Best regular premium investment productSupporting your sales of this attractive product

The ECA won Best Regular Premium Investment Product at the International Adviser - International Life Awards 2016. To help you and your clients benefit from this fantastic opportunity, we’ve prepared a suite of supporting documents, including:

You can also email a link to our consumer web page  about the ECA to your clients.

Contact your Sales Consultant or e-mail to discuss how the ECA could be the right product for your clients.


The information provided on this page is not intended to offer advice. It is based on Old Mutual International's interpretation of the relevant law and is correct at the time of publication. While we believe this interpretation to be correct, we cannot guarantee it. Old Mutual International cannot accept any responsibility for any action taken or refrained from being taken as a result of the information contained on this page.

Past performance is no guarantee of future returns. The value of the investments and the income from them can go down as well as up and the investor may not get back the amount invested. Where a transaction involves more than one currency the investor may be exposed to the risk of currency fluctuations.

Financial Adviser Verification

The content of this site is for advisers only. It is not for the use of Hong Kong advisers. You can change the regional content by selecting a region from the drop down box in the top right-hand corner.