Investment Insurance

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Investment insurance

INVESTMENT INSURANCE

For the past 35 years, we have offered our clients access to the most reliable international investment funds. Our funds are managed by the greatest investment managers in the world (Pimco, Vanguard), while our clients’ assets are exclusively invested on financial products of countries and companies with a high credit rating (>AA+). During the 2008-2018 decade, our investment funds have outperformed their corresponding benchmarks by 2.5%. We can help you turn the financial crisis of 2020 into a great opportunity with a minimum risk exposure. All our investment programmes are accepted by the tax authorities of the Republic of Cyprus and as such get tax exemptions.

Capital accumulation for retirement
Tax exemptions
Capital accumulation for children studies
Creation of an emergency fund
Creation of a fund for future use
Diversification

Type of Fund	Annual Performance	Average 5-year performance
Conservative	4.85%	1.79%	-12.44%	6.10%	5.24%	2.12%	0.57%
Balanced	4.43%	7.97%	-12.83%	8.70%	9.68%	4.78%	2.20%
Growth	4.42%	14.32%	-13.41%	11.14%	14.49%	7.47%	3.92%
Dynamic	4.44%	21.39%	-14.36%	13.62%	19.34%	10.65%	5.63%

Fund’s Characteristics

Minimum investment capital: €1.000 annually

Possibility of liquidating the investment after 2 years of full enforcement and after payment of investment contributions for 2 years.

Option to pay unscheduled investment contribution after 12 months from the effective date of the insurance contract with €1.000 being the minimum amount.

On death the amount payable is either the insurance capital or the value of the policy, whichever is highest.

Fund’s management fees: 0.8%-1.5% (depending on the type of the fund)

Performance Fee: 0,5% for the first five years and 0,1% for subsequent periods.

What If You Invested With Us In 1990?

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Our savings programmes are recognised by the Republic of Cyprus tax services and as such, are given tax exemptions.

Calculation of Ideal Savings Amount to Achieve Maximum Tax Exemption

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International Investment Programmes

Fund’s Characteristics

Our savings programmes are recognised by the Republic of Cyprus tax services and as such, are given tax exemptions.

Pending Changes

Type of Fund	Annual Performance						Average 5-year performance
	2020	2021	2022	2023	2024	2025
Conservative	4.85%	1.79%	-12.44%	6.10%	5.24%	2.12%	0.57%
Balanced	4.43%	7.97%	-12.83%	8.70%	9.68%	4.78%	2.20%
Growth	4.42%	14.32%	-13.41%	11.14%	14.49%	7.47%	3.92%
Dynamic	4.44%	21.39%	-14.36%	13.62%	19.34%	10.65%	5.63%