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Guaranteed Fund Forte 3

The sale of Forte 3 is finished as its volume has already been sold out.

We present to you

Our new investment strategy concerning the insurance Vital Invest – Guaranteed Fund Forte 3.

The fund guarantees that the client will receive the sum invested into the fund plus a yield ranging between 13% and 52% upon the maturity of the fund.

Guaranteed Fund Forte 3 – what is it?

It is a new guaranteed fund offered by Komerční pojišťovna, a.s., that broadens the investment strategy possibilities in the life insurance Vital Invest. The fund is suitable for all clients who would like to exploit the potential of stock markets and prefer some kind of guarantee at the same time.

The Guaranteed Fund Forte 3 offers

  • minimum 13% yield guaranteed as of the fund maturity
  • potential yield up to 52 % after 8 years (6.5 % p. a.)
  • maturity of the fund ranges from 3 to 8 years
  • opportunity to participate in the growth of the world stock basket
  • currency risk protection (the potential negative impacts of the Czech Crown strengthening are reinsured and will not affect the portfolio yield)
  • the portfolio is managed by professionals from the French company Société Générale, which is one of the largest and most stable banks operating in the Eurozone

Elements of the insurance contract in case of investing into the Guaranteed Fund 3

  • single premium
  • minimum insured period of 9 years
  • subscription period from 3. 5. 2010 to 2. 7. 2010 (or until the tranche is sold out)

How does the Guaranteed Fund Forte strategy works?

The performance and maturity of the fund depend on the basket of the following 25 stocks:
Stock title Country
1 Deutsche Telekom AG Germany
2 Vodafone Group PLC Great Britain
3 Verizon Communications Inc USA
4 McDonald's Corp USA
5 Sanofi-Aventis SA France
6 Roche Holding AG Switzerland
7 GlaxoSmithKline PLC Great Britain
8 Repsol YPF SA Spain
9 BP PLC Great Britain
10 Vivendi SA France
11 Muenchener Rueckversicherungs AG Germany
12 Medtronic Inc USA
13 Unilever NV the Netherlands
14 Nestle SA Switzerland
15 Bouygues SA France
16 Vinci SA France
17 E.ON AG Germany
18 Enel SpA Italy
19 RWE AG Germany
20 Intesa Sanpaolo SpA Italy
21 HSBC Holdings PLC Great Britain
22 Lloyds Banking Group PLC Great Britain
23 Altria Group Inc USA
24 Lockheed Martin Corp USA
25 DAIICHI SANKYO CO LTD Japan

Appreciation for the first two years

13% guaranteed yield (6.5% p. a) - it is credited at the moment of the fund´s maturity.

Appreciation in the years 3 to 8

Floating yield rate 0–6.5% p. a.

If the fund achieves appreciation of 6.5% in the period between the years 3 and 8, it is prematurely terminated and the 6.5% appreciation is paid out even for the previous years, regardless of the actual appreciation reached during these years. Thus the client can gain a yield in the amount of 52% (8 × 6.5%) in the year 8.

Example of early redemption after 6 years

Fund's closure after 6 years with payment of 6.5% appreciation for each year

39% yield in the year 6 (6.5% p. a.)

If the appreciation of 6.5% p. a. is achieved in the year 6, the client receives the following yield: 6 × 6.5% = 39% (regardless of the actual performance in years 3, 4 and 5)*.

Example of fund´s maturity after 8 years

Actual accrued appreciation

34.1% yield after 8 years (4.26% p. a.)

If the fund has not been redeemed early (upon achievement of 6.5% appreciation p. a.), then after 8 years the client receives a yield in the amount of the actually accrued appreciation: 2 × 6.5% + 4.3% + 0% + 4.2% + 4% + 4.3% + 4.3% = 34.1%. However, 13% is always the minimum.*

*The given example is for demonstration only. It does not predict the future performance of the Guaranteed Fund Forte 3 by any means.


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.

Insurance terms and conditions