Schediazo Syntaxi Apodotika
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Savings - Pension plan that invests in UCITS (Collective Investment Funds) for dynamic yields
The program provides you with the opportunity of dynamic yields because your money are invested in the following UCITS:
- First Eagle Amundi International Fund: equity fund which offers the possibility of long-term dynamic yields
- Amundi Funds Index Global Bond (EUR) Hedged: bond fund which aims to diversify your investment by constantly possessing control of investment risk
- Amundi Funds Cash Euro: which operates as a “money box” to ensure returns of your investment account
What are the benefits to you ?
- it follows your "life path" by continuously adapting the investment allocation percentage per UCITS
- active management of your savings with alterations in the investment allocation percentage per UCITS, whenever you wish
- flexibility of premiums as long as you adjust their amount and frequency (monthly, quarterly, semi-annually and annually) as well as the opportunity of top-up premiums, whenever you wish
- adjustment of the duration up to 40 years to “fit” your needs
- pre-fixed annual premium indexation 3% or upon your choice at 5% or 7%, to protect against inflation
- possibility to pay-up (freeze payments) your policy and reinforce it whenever you wish after the first year
- early surrender (partial or total) after the first year
- loyalty bonus the longer you stay with the program
- insurance protection due to illness or accident: in case of loss of life beneficiaries receive the account's amount based on UCITS published prices, or if the cash value is lower than your savings, your savings account balance. In case of total permanent disability, we undertake the continuation of your savings till maturity and you also receive a lumpsum of €10.000
- know-how and specialized management the Group of Crédit Agricole Assurances
- transparency via daily published prices per UCITS (electronic and daily press)
* the cover is not valid if the contracting party is a legal entity - company
What will savings in Sxediazo Syntaxi Apodotika provide you at maturity ?
| Starting Age | Duration (in years) | Monthly payments | Indicative acc. lumpsum* |
|---|---|---|---|
| 25 | 40 | €50 | €76.781 |
| 30 | 35 | €75 | €86.662 |
| 40 | 25 | €100 | €60.925 |
| 45 | 20 | €200 | €83.268 |
* the amounts have been calculated with premiums allocation per UCITS which follow your life path and with indicative annual returns of 4% for both Amundi International SICAV and Amundi Funds Index Global Bond (EUR) Hedged and annual premium indexation 3% throughout the whole duration of the program
How can you pay for your premiums ?
By direct debit of your bank account at Alpha Bank.
By credit card installments
UCITS DO NOT HAVE A GUARANTEED RETURN AND PREVIOUS PERFORMANCE DOES NOT GUARANTEE FUTURE PERFORMANCE
Former pension programs
Smile Pension, Smile Pension Express & InvestLife Vima Vima
For the owners of a policy in force in the particular programs the terms and conditions signed, remain as they are till the maturity of each policy without any deviation.