Brouček – Investment

Brouček is unit-lined life insurance for children that will provide for your child when s/he attains his/her majority and starts independent life.

This insurance uniquely combines the possibility to achieve attractive appreciation of finances and, at the same time, guarantees financial security in adverse life situations affecting the insured child.

The paid premiums are invested into funds according to your wishes. You will choose the investment strategy yourself by selecting and combining the following funds:

  • 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 appreciation at the beginning of the following year.
    The GUARANTEED APPRECIATION for the year 2018 is 0.6% p. a.
  • Conservative Fund – fund not sold anymore.
    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 2–5years.
  • Balanced Fund – fund not sold anymore.
    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 3–10 years.
  • IKS Dluhopisový PLUS fond
    The fund is targeted at investors who are looking for an alternative to long-term time deposits and who want to diversify their savings.
    The minimum investment period should be approx. 3 years.
    Expected yield 3% p.a.
  • IKS Balancovaný – dynamický fond – Successor fund of Dynamic fund
    The investment strategy of the fund is suitable for investors who are willing to tolerate potential price fluctuations.
    The recommended investment horizon is 5 years or more.
    Expected yield 4% p.a.
  • KB PSA 5D – Popular A
    The fund is targeted at shares which offer a regular payment of dividend. The fund is suitable for investors who are willing to tolerate potentially higher price fluctuations.
    Expected yield 5% p.a.
  • IKS Akciový PLUS fond – fund not sold anymore.
    The fund has been merged with another IKS fund and the value of investment has been transferred into another fund based on clients’ choice.

Underlying assets of these funds are the mutual funds of Investiční kapitálová společnost KB – Konzervativní profil, KB Vyvážený profil, KB Růstový profil, KB Dynamický profil, IKS Dluhopisový PLUS fund and IKS Balancovaný – dynamický fund. The Guaranteed Interest Fund is managed directly by Komerční pojišťovna and the structure of its financial placement complies with the Insurance Act.

The client 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.

How to arrange the insurance

You can obtain our products at any branch of Komerční banka. For more information call the Client Service of Komerční pojišťovna using the free Info Line 800 10 66 10.

On-line calculation of the premium

Insurance terms and conditions

Information for Persons Interested in Insurance and Insurance terms and conditions are available only in czech language