Investment Riders
With investment riders, you can decide in which investment funds your savings should be allocated. Thus, you can choose between a fairly safe investment with lower yield, supposedly exceeding the inflation rate, or a higher yield investment, risking temporarily, unfavorable yields.
When ceding a policy, we help you choose the proper portfolio for your needs. Henceforth, we take care of your investment. You do not ever have to listen to the financial news. Our experts will do everything for you!
The value of your savings in an investment fund is defined on each evaluation day. You can share of the success of the largest companies in the world!
The portfolio suggested for life insurance policies is comprised of different types of investment funds. In order to diminish the risks, each investment fund contains several types of securities belonging to a certain group. The securities in the investment funds, domestic and foreign shares and bonds, are chosen by the experts of AEGON Hungary, after thoughtful analyses. The investment in international investment funds are placed through domestic investment funds. AEGON UK Asset Management acts as the advisor. AEGON UK Asset Management belongs to the AEGON Group and they have a remarkable wide range of asset management experience. The international investment funds are made up of securities of the most developed economies, which provides for higher safety than domestic investment funds.
Money Market Fund - Magyar pénzpiaci eszközök
Fund based on the short term, Hungarian government debt securities and t-bills. As the duration of the asset is less than a year, this fund has minimal investment risk. It is wise to purchase this fund at least half a year before the expiry date of the life insurance policy.
Domestic Bond Fund - Magyar államkötvények
A fund based on the Hungarian government securities and debt securities guaranteed by the Hungarian state. The duration of the assets is more than a year. The investment risk in this fund is low; therefore, this fund is recommended for those policyholders who: prefer safety, desire less than a 5 year investment period, or for complementing risky investments with shares.
Central European Equity Fund - Magyar részvények
Accordingly, liquid shares of companies with favorable growth potentials in the long run, mainly Hungarian stocks. In the long run, at a minimum of 5 to 10 years of an investment period, this fund is likely to result in higher yields than the Domestic Bond Fund. However, the price per unit of this fund can change quite drastically in the short run; hence, this fund is suggested for those who like risky investments.
International Bond Fund - Külföldi államkötvények
It contains fairly safe government debt securities of the most developed countries and debt securities guaranteed by the Hungarian state, traded by Hungarian investment funds. The yield of the fund will supposedly exceed the yield of a foreign bank account. This fund is recommended for clients who prefer investments in foreign currency.
International Equity Fund - Külföldi részvények
The equities of the largest, well-known, financially strong companies traded on the stock exchange with relevant growth potential. The trade of these equities is made by Hungarian investment funds. The investment is not only among different sectors of the economy, but among several countries. Thus, the risk is minimized efficiently. In the long run, at least 5-10 years, these equities can result in higher yield than the government debt securities. However, the price can be quite hectic in the short run. So we offer this for clients who like risks for at least a 5 year investment period.
MoneyMaxx Express Fund - MoneyMaxx Express
This fund can invest in several assets. It can trade domestic and foreign securities, equities, government bonds and currencies; moreover, derivative instruments for hedge funds are also used. The yield of the investment fund supposedly exceeds the inflation rate. In the mid and the long run, high yield is available. It is offered for clients who like risks.
Real Estate Investment Fund - Ajánlott befektetési kombinációk
The Real Estate Investment Fund mainly contains real estate investment units and, additionally, Hungarian government debt securities and T-bonds. This fund has a low risk, but it likely exceeds the inflation rate and the interest of the banks.
Investment combinations:
Our experts made different portfolios out of the above mentioned investment possibilities for the good of the policy-holders. Among the offered investment combinations, you can easily choose the best one for your demands, but you may also choose differently, as you can define the allocation of your portfolio arbitrarily.
The different investment combinations represent different level of investment risks. The less shares a certain investment combination contains, the safer it is and lower its expected interest is. The combinations with a higher proportion of shares have a higher but wavering expected interest.
Flexible investment
You can change the allocation of your portfolio, several times during the term. It may be necessary to do so one or one and a half years before the maturity date of the life insurance. At that time, it is worth choosing a less risky investment with higher proportion of bonds in order that the market effects in the short run cannot influence the interest unfavorably at maturity. The reallocation may also be needed if your circumstances, risk willingness, or expectations of interests have been changed. Even so, we recommend not following all of the events on the stock market. The investments with higher risk result in a more prosperous interest in the long run. The additional costs of frequent reallocation would unnecessarily decrease the value of the investment fund. You can ask for more information about the allocation and the value of your portfolio every day through our Information Line.