Crystal Investment Plans

CISA Team Investment Plan

The CISA “team investing” Plan is an investment plan designed to help children Spend, Save, Invest. As a parent, your child looks up to you for their lifestyle choices. You’re therefore the best person to be the “Coach” of the Investing Team and your child, the “Young Investor”. The Coach monitors investments and tops up or matches the Young Investor’s investments based on his/her performance. With as little as GH¢20.00, parents can open a CISA account for their child and be their best investment coach by applying the CISA 5Cs.

CISA 5Cs

  • Collaborate with your child to open a CISA account.
  • Come to a Consensus on how much your child should save towards his/her CISA account each month.
  • Jointly Contribute towards the minimum GH¢ 20 required to open or top-up a CISA account by topping up your child’s savings where necessary.
  • Compliment your child’s effort through positive reinforcements including high investment yield and surprises from Crystal Capital.
  • Build a Culture of investment in your home. It’s the best way to create a financially independent future for your children.

Benefits

  • Low Start-up cost.
  • Attractive yield.
  • Flexibility and easy access to your money.
  • Electronic and paper statements.
  • SMS alerts.
  • Easy monthly payments via mobile money, etc.
  • Loyal account holders get Crystal Surprises.
Crystal Private Wealth Management Plan

The Crystal Private Wealth Management Plan is a bespoke advisory service that incorporates a full range of financial products and services including financial planning and portfolio management to help you meet your financial goals. The Plan gives you control over your finances whilst ensuring that we are able to work closely with you in making decisions on the optimum mix of asset classes that will give you high risk-adjusted returns.

Opportunities presented by the economic, political and technological developments that have evolved over the past decade make it imperative that organisations and high net worth individuals pursuing exponential growth in their net worth partner with a Financial Advisor who can identify and leverage new opportunities for value. As always, we are Your Right Investment Partner!

Our Process

  • Together with you, we determine your Investment Objectives (IOs).
  • We communicate to you a clearly documented strategy to help you achieve your IOs.
  • We offer optimum allocation of your assets and explain how they work for you.
  • We continuously monitor your portfolio.
  • We evaluate and report regularly on your portfolio.
  • We offer you excellent customer experience for your unique needs, ensuring that we only implement strategies you are comfortable with.

Why Should You Sign On To This Plan?

  • Low startup cost and flexible top-up options.
  • Investment decisions are aligned with your goals.
  • Have a say in how and where your money is invested.
  • Superior customer experience with dedicated Fund Manager.
  • Rewards of a diversified portfolio.
  • Superior returns in the short term.
  • Easy channels to fund your account .
  • Flexible Investment Strategy to match changes in your goals.
  • Protected Investment.
  • Monthly, quarterly and annual statements.
  • Crystal Partnership Services

Additional & Specialised Services

Crystal Family Endowment Fund

This is a Crystal Private Wealth Management Service that helps you to preserve and grow your wealth for your family and for future generations.

Benefits

  • Enjoy tax-free growth potential.
  • Empower your descendants to do great things.
  • Put your vision for the family into action.
  • Our passive-aggressive investment strategy and deep knowledge of market opportunities give you flexibility in choosing the focus of your Family Endowment Fund (eg. business focus, altruistic focus or combination of both).
  • No entitlement: Descendant beneficiaries make applications to the Fund to be considered by the Board of Trustees.

Crystal End of Service Plan

This is an End of Service Benefit plan designed specially for fixed term or contract employees such as Diplomats, Government Appointees, Expatriates, etc. The Plan helps you to achieve a pre-determined target income by the end of your service contract.

Benefits

  • Track income and achieve tenacity in working towards your end-of-service goals.
  • Enjoy risk-adjusted returns far in excess of market rates.
  • Enjoy the rewards of expert exchange rate risk management.
  • The Plan is supported by excellent custodial arrangements.
  • No management fee.
Crystal Welfare Plan and Provident Fund Scheme

Crystal Welfare Plan

Putting in place a welfare plan for your employees indicates to them that you value them. This increases their morale and boosts their productivity. The Crystal Welfare Plan is a unique welfare plan structured to provide optimum support to employees and to ensure their general welfare at all times.The Crystal Welfare Plan has 3 components:

The Gift

This is the benefits component of the Crystal Welfare Plan. Benefits are carefully structured in consultation with your appointed Welfare Board to ensure that benefits are paid without discrimination and are subject to periodic review in keeping with changing circumstances.

Wel-Invest

It is not prudent to keep employee welfare funds in savings or current account. The Wel-Invest feature of the Crystal Welfare Plan is a special component of the Plan which is carefully structured to ensure access to your welfare funds as well as the steady growth of funds to meet contributors’ future financial needs goals.

Crystal Partnership Services

As your right investment partner, Crystal Capital will provide free periodic training in personal financial planning and management to your staff. Additionally, your company will be eligible for generous discounts on our Business Consulting Services.

Crystal Provident Fund Schemes

We provide tailored fund management services for companies to help promote well-being of employees in the long-term.

Contact Us to Learn More.

Benefits of the Welfare Plan & Provident Fund Schemes

  • Improves staff retention.
  • Rewards your staff with tailored end of service benefits.
  • Flexible terms and conditions tailored to your specific requirements.
  • Rewards employee loyalty and productivity.
  • Access to investment income irrespective of retirement date or benefits status.
  • Gives your employees retirement income security.
  • Provides emergency funds in case of loss of employment.
  • Helps to achieve personal goals eg. Buying a house or going on vacation.
  • Tax-exempt contributions and investment income.
  • Ability to secure loans with contributions as security.

With the feeling of solidarity that the Crystal Welfare Plan & Provident Fund Schemes provides, employees are bound to feel happier and will have an increased drive to work as a team towards the achievement of your company’s goals.

Please call us for more information or to sign up.

Crystal Home Acquisition Plan

The Crystal Home Acquisition Plan is a bespoke financial plan that helps you to adequately plan and invest towards their dream homes.

Over the years, Ghana has experienced an increase in population growth leading to high demand in land, housing and accommodation. GREDA has estimated that Ghana has a housing deficit of 1.7m, leading to high housing costs. 

The high housing cost and difficulty in acquiring mortgage has made home acquisition for most lower-middle income earners seemingly impossible. But it is possible to acquire a home with the Crystal Home Acquisition Plan.

How It Works

  • Have a chat with one of our Asset Management team members about your particular circumstance 
  • Together with you, our Asset Management Team will develop a customized Financial Plan which will detail your risk appetite, investment goals and the high yielding investment vehicles we will be placing your funds in to help you meet your goals 
  • Open and fund your Crystal Home Acquisition account with monthly or one-time payment

Benefits

Once you sign up to the Crystal Home Acquisition Plan, you will enjoy benefits of a dedicated Fund Manager from our Crystal Private Wealth Management Team. As a Crystal Private Wealth member, you would also enjoy the following:

  • Flexible top-ups 
  • Investment decisions are aligned with your goals 
  • Superior customer experience with dedicated Fund Manager 
  • Rewards of a diversified portfolio 
  • Superior returns in the short term 
  • Easy channels to fund your account 
  • Flexible Investment Strategy to match changes in your goals 
  • Protected Investment 
  • Monthly, quarterly and annual statements
  • Crystal Partnership Services including free/discounted business advisory services

Speak to us about our Crystal Home Acquisition Plan today. From financial advice to high yielding investment that will help you achieve your home acquisition dreams, we've got you!

Crystal Wedding Plan

There is a misconception about weddings that the best weddings are big expensive affairs that will surely leave you in debt. What if we told you that we have the perfect plan that can help you have your dream wedding without landing yourself in a sea of financial troubles? Well, we do! The Crystal Wedding Plan is the bespoke financial plan that will help you to adequately plan and invest towards your dream wedding.

How it Works

  • Work with one of our Partner Event Planners to help you decide on a budget for your wedding.
  • Have a chat with one of our Asset Management team members about your particular circumstance.
  • Together with you, our Asset Management Team will develop a customized Financial Plan which will detail your risk appetite, investment goals and the high yielding investment vehicles we will be placing your funds in to help you meet your goals.
  • Pay 10% deposit to the Event Planner to secure your booking (Optional).
  • Open and fund your Crystal Wedding Plan account with monthly or one-time payment.

Benefits

Once you sign up to the Crystal Wedding Plan, you will enjoy benefits of a dedicated Fund Manager from our Crystal Private Wealth Management Team. As a Crystal Private Wealth member, you would also enjoy the following:

  • Flexible top-ups.
  • Investment decisions that are aligned with your goals .
  • Superior customer experience with dedicated Fund Manager.
  • Rewards of a diversified portfolio.
  • Superior returns in the short term.
  • Easy channels to fund your account.
  • Flexible Investment Strategy to match changes in your goals.
  • Protected Investment.
  • Monthly, quarterly and annual statements.
  • Crystal Partnership Services including free/discounted business advisory services.

Speak to us or any of our Partner Planners about our Crystal Wedding Plan today. From tailored financial advice to high yielding investment that will help you achieve your dreams for your big day, we've got you!

Crystal Retirement Plan
The mention of “retirement” sends chills down the spines of many old people who feel they have not planned adequately to live a comfortable life after their active working years. Despite this, most young people are putting off retirement planning because retirement is perceived to be a “long way off”. In truth, the best retirement is the one you start planning for in your youth. The Crystal Retirement Plan enables you to plan adequately for your retirement whiles helping you to achieve financial independence and maintain a comfortable standard of living in your planning years. With the Crystal Retirement Plan, your income is structured to fit your lifestyle choices and you are assured of protection for the assets you have worked hard to acquire.