Unit-linked life insurance

Your investment objective is primarily focused on capital preservation. You expect minimal price fluctuations. Your potential return is a yield that is broadly in line with market rates. Due to the costs and taxes involved, you accept that, particularly in the first few years after the contract is taken out, the value of the investment will be significantly lower than the contributions made.

When it comes to your investment objective, the security of your investment is important to you, but you are willing to accept lower potential returns in order to minimise capital losses. Your expectations regarding risk are that there may be moderate price fluctuations in the short term; in the medium to long term, a loss of capital is unlikely. Your opportunity here is to receive a return in line with market rates, which is generally higher than that offered by savings accounts and fixed-term deposits. Due to the costs and taxes incurred, you accept that, particularly in the first few years after the contract is signed, the value of the investment will be significantly lower than the contributions made.

Your return expectations for this investment objective exceed the standard market interest rate. You should expect greater price volatility resulting from fluctuations in share prices, interest rates and exchange rates. Consequently, significant capital losses cannot be ruled out. Your long-term opportunity lies in achieving a higher return. Due to the costs and taxes incurred, you accept that, particularly in the first few years after the contract is concluded, the value of the investment will be significantly lower than the contributions made.

Your return expectations for this investment objective are significantly higher than the standard market interest rate; capital growth stems primarily from market opportunities. You should expect very high price volatility resulting from fluctuations in share prices, interest rates and exchange rates; losses, including the potential loss of your entire investment, are possible. Your long-term opportunity lies in generating a higher return. Due to the costs and taxes incurred, you accept that, particularly in the first few years after the contract is concluded, the value of the investment will be significantly lower than the contributions made.