Encouraging and facilitating saving is one of our organisation's principal objectives. We understand saving as being the optimal route towards families' stability and future. Risk coverage exists to help us through difficult moments, but it is saving which will help us maintain our quality of life over time.

Products of this type are savings insurance policies which provide the opportunity to invest in different Mutual Funds, in Fund Baskets with different risk profiles or in different financial activities.

Just like with all other savings policies, they offer protection against the risk of the death or invalidity of the Insured Party.

Unlike other savings policies, in which the return for the investor is guaranteed by the insurance company, it is the investors themselves who assume the risk that there may be losses in the assets in which they have invested through the policy, owing to which they may lose, either totally or partially, the amount invested through the  premiums.

The payment of premiums is usually highly flexible, and like the other insurance policies that we have already seen, they offer protection against the risk of death or invalidity of the insured party.

The return on these products forms part of the savings base and it is taxable progressively from 21% to 25% and 27%, like savings and retirement insurance policies.

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Pension Scheme | ISP | Systematic Saving | Mutual funds