What is the Multi-fund Investment Insurance?
Multi-fund Investment Insurance Plus is an insurance by Unit Linked that combines the tax advantages of life insurance with the profitability and liquidity you are looking for for your savings. It is a very flexible solution that allows you to choose both the way to make contributions and the investment funds to which you allocate your capital, depending on your expectations of achieving attractive returns and the risk you wish to take.
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European money market
The short term GCO Investment fund It is indicated for investors who do not seek to take big risks, achieving a short-term return through national or international fixed income securities of public or private issuers denominated in euros. The net asset value of this fund will not fluctuate significantly.
European fixed income
The short term GCO investment fund is a suitable alternative for moderate investors seeking long-term returns, through national or international fixed income securities of public or private issuers denominated in euros. Their interest rates may be more sensitive due to their duration.
Mixed senior 70/70
The fund 70/30 Senior Mixed GCO offers moderate investors, who invest mainly in fixed income, an option to assume some volatility, in search of higher profitability in the medium-term horizon, through equities. This fund, awarded with several Expansión prizes as the best mixed fund, invests up to 70% in national and international fixed income from public and private issuers and up to 30% in variable income from companies that are part of the Ibex 35.
Overall mixed 50/50
The fund Global 50/50 mixed GCO is suitable for moderate investors who expect profitability in a medium-term time horizon, distributing capital between national and international equity and fixed-income securities. In this fund, the investment in variable income will not exceed 50% of the managed portfolio.
Spanish variable income
The short term GCO GCO shares It is indicated for those who seek to position themselves in the Spanish equity market and expect a return higher than the Ibex 35, knowing the risks of the stock market and with a long-term horizon. It is a fund managed by a highly experienced team, winner of awards such as the Base Ibex award and the Morningstar award for the best equity product in Spain.
The short term GCO GCO Eurobolsa is a solution for those savers who want to diversify part of their capital into variable income assets issued by European companies, seeking returns higher than the DJ Eurostoxx50 index. The recommended time horizon for investment is the long term, and is indicated for investors who know the risk involved in investing in the main European stock markets.
International variable income
The short term GCO International GCO comprises equity assets issued by international companies on international exchanges and is aimed at those who want a higher return by diversifying their investment in new geographical areas. With a long-term horizon, this fund is not exempt of volatility, offering the opportunity to benefit from the different growth rates of the different geographical areas.
The returns obtained from the investment at the time of the redemption are classified as movable capital returns and are subject to a 19% retention in the case of individuals.
If the insured dies, the benefits paid to the beneficiary are taxed on inheritance and gift tax. Its amount may decrease depending on the relationship of the insured person and the beneficiary.
The investment is made between funds of Grupo Catalana Occidente at the choice of the policy holder, being able to subsequently vary the chosen funds. The interest rate is not guaranteed and the contract is revalued based on the profitability of the seven funds. Therefore, the policy holder assumes the financial risk of the investment.
What kind of contributions can be made?
Investment Plus Multifunds allows you to choose the contribution system that best suits your situation. You can choose between a single payment or periodic receipts, as well as make extraordinary contributions at any time.
Furthermore, the flexibility of Investment Plus Multifunds allows you to adjust the investment profile by mobilizing the savings between the different funds through transfers.
What differentiates Unit Linked insurance from other forms of investment?
In Unit Linked the contributions made are invested in investment funds chosen based on the policy holder's risk profile and their expectations of profitability.
They are greatly versatile, allowing the exchange of investment between funds according to market circumstances. In addition, another of its advantages is the possibility of accessing investment funds from regular contributions, so that you can achieve a high diversification with a small capital. On the other hand, Unit Linked guarantees additional coverage in the event of the insured's demise.
Do you have more questions about this insurance policy?
We call you to inform you and arrange an appointment in order to study your characteristics and to be able to offer you the Insurance with the coverages that you need. Office hours: From 9:00 Hrs. at 13:30 p.m. From 15:30 Hrs. at 18:30 Hrs.