Vital Invest – Investment
Vital Invest is unit-linked life insurance that will provide you with higher appreciation than traditional financial products and, at the same time, it gives you certainty that you and your loved ones will be safe if an unexpected event arises.
The paid premiums (after deducting the premium for covering the risk of death) are invested into funds according to your wishes. You will choose the investment strategy yourself by selecting and combining the following funds:
- Guaranteed Fund Optimo Commodity II – guarantees a 100% return on the investment into
the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve interesting yield if the underlying basket of commodity indices growths.
More information about Guaranteed Fund Optimo Commodity II. - Guaranteed Fund Optimo Commodity – The sale of Optimo is finished as its volume has already been sold out. – guarantees a 100% return on the investment into
the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve interesting yield if the underlying basket of commodity indices growths.
More information about Guaranteed Fund Optimo Commodity. - Guaranteed Fund Optimo – The sale of Optimo is finished as its volume has already been sold out. – guarantees a 100% return on the investment into
the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve interesting yield if the SG Harmonia reference index growths.
More information about Guaranteed Fund Optimo. - Guaranteed Fund Forte 9 – The sale of Forte 9 is finished as its volume has already been sold out. – guarantees a 100% return on the investment into the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve a 21% yield in the third year provided that the strategic index grows. More information about fund Forte 9.
- Guaranteed Fund Forte 8 – The sale of Forte 8 is finished as its volume has already been sold out. – guarantees a 90% return on the investment into the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve a 30% yield in the third year provided that the strategic index grows. More information about fund Forte 8.
- Guaranteed Fund Forte 7 – The sale of Forte 7 is finished as its volume has already been sold out. – guarantees a 100% return on the investment into the fund upon the fund's maturity (after deduction of administrative costs). Opportunity to achieve a 21% yield in the third year provided that the strategic index grows. More information about fund Forte 7.
- Guaranteed Fund Forte 6 – The sale of Forte 6 is finished as its volume has already been sold out. – guarantees a 90% return on the investment into the fund upon the fund‘s maturity (after deduction of administrative costs). Opportunity to achieve a 30% yield in the third year provided that the strategic index grows. More information about fund Forte 6.
- Guaranteed Fund Forte 5 – The sale of Forte 5 is finished as its volume has already been sold out. – guarantees a 100% return on the investment into the fund upon the fund‘s maturity (after deduction of administrative costs). Opportunity to achieve a 21% yield in the third year provided that the strategic index grows. More information about fund Forte 5.
- Guaranteed Fund Forte 4 – The sale of Forte 4 is finished as its volume has already been sold out. – guarantees a 100% return on the investment into the fund upon the fund‘s maturity (after deduction of administrative costs). Opportunity to achieve a 30% yield in the third year provided that the basket of risky assets grows. More information about fund Forte 4.
- Guaranteed Fund Forte 3 – The sale of Forte 3 is finished as its volume has already been sold out. – minimum yield of 13% upon the maturity of the fund. The fund is on offer for a limited period of time only (3. 5. 2010 – 2. 7. 2010, or until the tranche is sold out) and its underlying assets are managed by Société Générale. More information about fund Forte 3.
- Guaranteed Fund Forte 2 – The sale of Forte 2 is finished as its volume has already been sold out. – minimum yield of 13% upon the maturity of the fund. The fund is on offer for a limited period of time only (18. 1. 2010 – 30. 4. 2010, or until the tranche is sold out) and its underlying assets are managed by Société Générale. More information about fund Forte 2.
- Guaranteed Fund Forte – The sale of Forte is finished as its volume has already been sold out. – minimum yield of 13% upon the maturity of the fund. The fund is on offer for a limited period of time only (27. 10. 2009 – 28. 1. 2010, or until the tranche is sold out) and is managed by Société Générale. More information about fund Forte.
Guaranteed Interest Fund – guaranteed appreciation without any risk. In addition, shares in profit, increasing the appreciation of deposited finances, are added to the declared guaranteed interest rate at the beginning of the following year.
The GUARANTEED APPRECIATION for the year 2012 is 2.2% p. a.Conservative Fund – secure investment with a low risk and therefore with a lower yield. Standard structure of the portfolio: money market funds 25–45%, bond funds 50–70%, stock funds 10% max.
Expected yield: 1–3% p. a. within the period of 2–5 years.Balanced Fund – offers optimal combination of a medium investment risk with the capacity for higher appreciation.
Standard structure of the portfolio: money market funds 10–30%, bond funds 30–50%, stock funds 30–50%.
Expected yield: 2–6% p. a. within the period of 3–10let.Dynamic Fund – suitable for clients willing and ready to accept fluctuations of the value of their investment which is the price for potentially high yield.
Standard structure of the portfolio: money market funds up to 10%, bond funds 20–40%, stock funds 60–80%.
Expected yield: 2–8% p. a. within the period of at least 5 years or more.Dynamic Fund PLUS – this fund focuses on world stock markets. It is designed for experienced investors who require high investment appreciation and are ready to take all the risks linked to investment activities on global stock markets.
Standard structure of the portfolio: stocks and stock funds 70%, bonds and bond funds 30%.
Expected yield: 2–8% p. a. within a long period of time.
Underlying assets of these funds are the mutual funds of Investiční kapitálová společnost KB – KB Konzervativní profil, KB Vyvážený profil, KB Růstový profil a KB Dynamický profil. The Guaranteed Interest Fund is managed directly by Komerční pojišťovna and the structure of its financial placement complies with the Insurance Act. The portfolio of Guaranteed Funds Forte, Forte 2, Forte 3, Forte 4, Forte 5 and Forte 6, Forte 7, Forte 8, Forte 9, Optimo, Optimo Commodity and Optimo Commodity II is managed by Société Générale.
You may change the selected strategy any time within the insurance duration, or you can ask for reallocation of the invested premiums among individual funds based on the achieved and expected development.
