Vital Invest – Investment - Komerční pojišťovna

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 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. Minimum guaranteed yearly appreciation for year 2018 is 0.6% p.a.+ potential bonus 0,3 % p.a. For new contracts concluded via Komerční banka 1.2% p.a.
    The total appreciation of contract value may be higher based on insurance company’s business results.
  • Guaranteed Interest Fund 2 – guaranteed appreciation without any risk. Minimum guaranteed yearly appreciation for year 2018 is 0.6% p.a.+ potential bonus 0,3 % p.a.
    The total appreciation of contract value may be higher based on insurance company’s business results.
  • 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 – The sale of the fund is finished
    The fund has been merged with another IKS fund and the value of investment has been transferred into another fund based on clients’ choice.
  • KB PSA 4 Popular
    KB PSA 4 Popular is intended for long-term investors, who are willing to accept frequent fluctuations in the value of their investment and want to maximize their earnings. The goal of the KB PSA 4 Popular fund is to achieve the best possible valuation through investment in a portfolio of Czech government bonds and stocks traded on the main stock markets in western Europe, the United States and Japan as well as stock markets in Central and Eastern Europe. The main investment pillar of the fund are shares traded on developed stock markets (USA, Western Europe, Japan) and issuer shares traded on markets in Central and Eastern Europe. The weight of the stock component fluctuates in the range of 60–80%, depending on the market situation. A stabilizing role is played in the portfolio by investments in Czech government bonds, where 20–40% of the fund’s investments are directed. The remaining part of the portfolio is held in cash.
  • Investment strategy DUO a DUO+
    Investment strategy DUO and DUO+ is combination of Guaranteed Interest Fund and KB PSA 4 Popular fund. The strategy is suitable for investors interested in attractive funds with diversification of savings.
  • KB Privátní správa aktiv 4 – The sale of the fund is finished
    The investment strategy of the fund is suitable for investors who are more willing to tolerate possible price fluctuations. The fund’s investment strategy is based on two pillars. The dominant pillar is the stock component which consists of stocks of issuers from Central and Eastern Europe and, as a complement, stocks traded on developed stock markets (U.S., West Europe). The fund’s second pillar is the bond component which consists of Czech government bonds and money-market instruments.
  • Conservative Fund – The sale of Conservative Fund is finished as its volume has already been sold out. – 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 – The sale of Balanced Fund is finished as its volume has already been sold out. – 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 3–10 years.
  • Guaranteed Fund Certus – The sale of the fund is finished as its volume has already been sold out. – The Certus Guaranteed Fund, as part of Vital Invest insurance, guarantees the client the return of 100% of the amount invested in the fund on maturity (following the deduction of administration costs). In the event the underlying basket of shares increases, though, it can bring a yield of 5% each year.
    More information about Guaranteed Fund Certus.
  • Guaranteed Fund Certus 2 – The sale of the fund is finished as its volume has already been sold out. – The Certus 2 Guaranteed Fund, as part of Vital Invest insurance, guarantees the client the return of 90% of the amount invested in the fund on maturity (following the deduction of administration costs). In the event the underlying basket of shares increases, though, it can bring a yield of 9.3% each year.
    More information about Guaranteed Fund Certus 2.
  • Guaranteed Fund Optimo Commodity II – The sale of the fund 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 II.
  • Guaranteed Fund Optimo Commodity – The sale of the fund 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 the fund 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.

Underlying assets of these funds are the mutual funds of Investiční kapitálová společnost KB – KB Konzervativní profil, KB Vyvážený profil, KB Růstový profil, KB Dynamický profil, IKS Dluhopisový PLUS fund, IKS Balancovaný – dynamický fund and IKS Akciový PLUS fund. 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.


How to arrange the insurance

You can obtain our products at any branch of Komerční banka or in the distribution network of Modrá pyramida stavební spořitelna. 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.