What are the different fund options.
We understand the value of your hard earned money and in our Endeavour to help you grow your wealth, we offer you 4 different tailor-made investment funds. You have the option to allocate your premium in these funds as you wish.
They are:
1. Capital Secure Fund:
The investment objective of this fund is to maintain the value of all contributions (net of charges) and all interest additions. This fund offers steady return for little risk. The risk profile of this fund is low. Investments would be 100% in bank deposits, government bonds and debt instruments that offer financial security.
Further, allocation in Capital Secure Fund for a policy is subject to a maximum limit of 40% at any time.
2. Balanced Fund:
The investment objective of this fund is to provide you with investment returns, which exceed the rate of inflation in the long term while maintaining a low probability of negative investment returns. Here, a major portion of your funds are invested in Fixed Securities while a small percentage is invested in the equity market, which is exposed to market movements. The risk profile of this fund is low to medium.
Investments would be at least 80% in fixed interest securities and maximum 20% in equities.
3. Growth Fund:
The investment objective of this fund is to provide you with investment returns, which exceed the rate of inflation in the long term while maintaining a moderate probability of negative investment returns. A greater portion of your funds are invested in fixed securities while a small percentage is invested in the equity market, which exposed to market movements. The risk profile of this fund is medium to high.
Investment would be at least 60% in fixed interest securities and maximum 40% in equities.
4. Equity Fund:
The investment objective of this fund is to provide policyholders with high exposure to equities and the possibility of investment returns, which generate a high real rate of return in the long term while recognizing that there is a significant probability of negative investment returns in the short term. This fund offers a totally equity based investment option. Your returns depend entirely upon the performance of the equity market. The risk profile of this fund is high. The higher risk of this portfolio means that expected returns would also be higher.
Investment would not exceed 30% in bank deposits and may be up to 100% in equities.
Value of Units:
The market value of assets plus/less expenses incurred
In the purchase/sale of assets plus current assets plus
Any accrued income net of fund management charges
Less current liabilities less provision
Unit Value =
Total number of units on issue (before any new units
are allocated/redeemed.)
We understand the value of your hard earned money and in our Endeavour to help you grow your wealth, we offer you 4 different tailor-made investment funds. You have the option to allocate your premium in these funds as you wish.
They are:
1. Capital Secure Fund:
The investment objective of this fund is to maintain the value of all contributions (net of charges) and all interest additions. This fund offers steady return for little risk. The risk profile of this fund is low. Investments would be 100% in bank deposits, government bonds and debt instruments that offer financial security.
Further, allocation in Capital Secure Fund for a policy is subject to a maximum limit of 40% at any time.
2. Balanced Fund:
The investment objective of this fund is to provide you with investment returns, which exceed the rate of inflation in the long term while maintaining a low probability of negative investment returns. Here, a major portion of your funds are invested in Fixed Securities while a small percentage is invested in the equity market, which is exposed to market movements. The risk profile of this fund is low to medium.
Investments would be at least 80% in fixed interest securities and maximum 20% in equities.
3. Growth Fund:
The investment objective of this fund is to provide you with investment returns, which exceed the rate of inflation in the long term while maintaining a moderate probability of negative investment returns. A greater portion of your funds are invested in fixed securities while a small percentage is invested in the equity market, which exposed to market movements. The risk profile of this fund is medium to high.
Investment would be at least 60% in fixed interest securities and maximum 40% in equities.
4. Equity Fund:
The investment objective of this fund is to provide policyholders with high exposure to equities and the possibility of investment returns, which generate a high real rate of return in the long term while recognizing that there is a significant probability of negative investment returns in the short term. This fund offers a totally equity based investment option. Your returns depend entirely upon the performance of the equity market. The risk profile of this fund is high. The higher risk of this portfolio means that expected returns would also be higher.
Investment would not exceed 30% in bank deposits and may be up to 100% in equities.
Value of Units:
The market value of assets plus/less expenses incurred
In the purchase/sale of assets plus current assets plus
Any accrued income net of fund management charges
Less current liabilities less provision
Unit Value =
Total number of units on issue (before any new units
are allocated/redeemed.)