• Diversification - Better equipped to spread capital across the varying asset classes, reaping benefits of exposure to different markets and different currencies
• Income - Able to build a portfolio that focuses on income securities, by dedicating a % of assets to dividend-paying stocks, or bonds creating a steady income stream.
• Management - Qualified and experienced Investment Managers who do constant analyses on the markets. Does not engage in emotional investing when there are fluctuation in the market; Aims to “Take You Higher”

All you need is a valid Photo ID, TRN, Proof of Address, your Opening Deposit as well as a signed and completed application forms. We have easy payment options such as through online banking, Paymaster, Bill Express or JMMB Money Transfer services. You can also make payments at any of our office locations by cheque or debit card.

A joint investment account is an account held in the name of two or more individuals. Only open a joint account with someone you trust, as all account holders will have access according to the selected account type.

There are three (3) types of joint accounts available at BPM Financial Ltd. When opening your account, you may choose the option that best suits how you would like the account to be used and managed. Kindly see the options below:

Only the Primary Holder Controls Access – Category 1

The Primary Account Holder has full access. The Joint Holder can only transact with the Primary Holder’s permission.

What this means: Only the primary account holder can use the account. The joint account holder must have written permission each time they want to do conduct a transaction on the account i.e anything. The primary account holder must also present a valid ID along with a signed letter addressed to BPM Financial LTD.

Either Party May Transact – Category 2

Any party on the account can transact independently, without needing the signature or approval of the other(s).

What this means: Anyone can use the account on their own to make deposits, withdrawals, or other transactions. No need for the other person to sign.

All Must Sign – Category 3

All parties must sign or approve before any transaction is processed.

What this means: Everyone must sign before anything can be done. All account holders must agree on every transaction

Yes. You can create and manage savings goals from a joint account. All account holders will have access to view and manage these goals, subject to the account type selected.

Yes. However, all account holders must provide consent before the account can be used to secure a loan.

If you are the Primary Account Holder, you cannot be removed from the account. However, the joint account can be closed at BPM Financial Limited and you can re-open an account in your name only. The primary account holder's name cannot be deleted.

The process depends on the type of joint account you hold. Below is a guide based on the applicable category:

• Category 1 – Only the Primary Holder Controls Access:
  The primary account holder may remove the joint account holder by completing the BPM Removal of Joint Account Holder form
  
  
• Category 2 – Either Party May Transact:
  Either account holder can remove a party or close the account. Although either party can transact independently, the funds are jointly held; meaning both individuals have equal rights to the money.
  
  
• Category 3 – All Must Sign:
  Written consent of all parties is also required. In this type of account, all account holders must approve and sign for any transaction, so removal of a party must be mutually agreed upon to protect each person's financial interest.

In the event of death:
A deceased joint holder may be removed from any account type upon presentation of a certified copy of the death certificate.

If a Joint Account Holder passes away, the surviving account holder(s) will retain full ownership of the account. A death certificate must be submitted to BPM Financial Limited to update the account records.

No. Funds in a joint account are not part of the deceased person’s estate and remain accessible to the surviving account holder(s).

The process for closing a joint account depends on the type of joint account you hold. Below is a guide based on the applicable category:

• Category 1 – Any Party May Transact (Primary Holder Controls Access): 
  The Primary Account Holder may close the account without the joint holder's consent.

• Category 2 – Either Party May Transact: 
  Either account holder can close the account.
  
  
• Category 3 – All must sign: 
  Written consent from ALL parties is required to close the account. Closure of a joint account must be mutually agreed upon in writing in a letter addressed to BPM Financial Ltd and signed by ALL parties.

In the Event of Death:
A joint holder who has passed away may be removed from any type of joint account upon presentation of a certified copy of the death certificate.