The Manulife Bermuda Platform

Strategies Beyond Domestic Reach

Institutional-grade Bermuda trust structures backed by Manulife's 130+ years of strength. Designed for families who've outgrown conventional solutions.

Bermuda Master Trust

Your wealth held in a legally distinct trust governed by Bermuda law. Multiple sub-trusts under one structure, each customized for different beneficiaries. Ocorian serves as professional trustee.

  • Legally separate from personal holdings
  • Flexible sub-trusts per beneficiary
  • Professional Ocorian oversight
  • Bermuda's proven legal framework

S&P 500 Index-Linked Growth

Cash value linked to America's 500 largest companies. ~10% historical annual returns over 50 years, compounding tax-efficiently inside the trust.

  • 500 leading companies, 80% U.S. market
  • ~10% historical average annual returns
  • Diversified across all sectors
  • Tax-optimized growth

Nasdaq Index-Linked Growth

Linked to 3,000+ innovation-driven stocks. 12%+ average annual returns over two decades. Complements S&P 500 exposure.

  • 3,000+ tech & innovation stocks
  • 12%+ average annual returns
  • Apple, Microsoft, Amazon exposure
  • Strategic S&P 500 complement

Asset Protection

Sub-trusts create legal barriers that automatically protect investments from creditors, litigation, and liability.

  • Automatic creditor protection
  • Ring-fenced from personal liability
  • Bermuda law reinforcement
  • Maintained distribution control

Tax-Optimized Estate Transfer

Wealth flows to beneficiaries across generations without erosion. Structured for maximum tax efficiency under Bermuda law.

  • Tax-efficient under Bermuda law
  • Multi-generational transfer
  • Custom distribution rules
  • Reduced estate tax exposure

Beneficiary Customization

Distinct provisions for each family member: different allocations, schedules, conditions. Adapts as your family evolves.

  • Unique provisions per member
  • Flexible investment allocations
  • Custom distribution schedules
  • Adaptable over time

Index-Linked Growth Over Time

Historical performance of S&P 500 and Nasdaq inside the tax-optimized trust structure.

S&P 500 and Nasdaq growth comparison

Which Structure Fits Your Family?

In one confidential conversation, you'll see exactly how these structures apply to your situation.

Request a Consultation