Opt for one of Raiffeisen's saving plans and make your capital work for you. Opt for the right personal protection solution and look to the future with full peace of mind. Read more. Your benefits. Possible tax deductibility. Plan today for a happy retirement. Example calculation: maximum annual tax impact.
Conditions for deductibility. The amounts paid in during the year may exceed the deductible limit. The policy may not be subject to cash surrender, policy loan, collateral pledge or security agreement. The return on your capital is largely dependent on financial market trends. As a result, neither the return nor the capital invested can be guaranteed.
Possibility of opting for products with little exposure to financial market fluctuations. Guaranteed capital on maturity and a share of the annual profit not guaranteed The longer you save, the greater the return on your savings. Technical characteristics R-Vie Pension. Transactions during the life of the policy. Contact a Raiffeisen advisor. Locate our agencies. R-Pension insurance plan: leaflet. Fund Manager's Report Click the link below to find out more about our Fund management offerings.
Investment Portfolio The quality of where you invest has become a key part of your investment case. Our Mission Securing a brighter future for workers by ensuring a steady stream of income at retirement through efficient and safe management of their pension savings, employing and motivating the right people using appropriate technology for excellent service delivery.
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The investor buying the life insurance policy continues to pay premiums until the demise of the insured, at which point, the insurance company pays the face value to the investor. To sellers of life insurance polices the secondary market offers an attractive alternative. Traditionally, policy owners received little, if any, economic value from policies they no longer wanted, needed or could afford.
In fact, even today, many policies simply lapse. The value of life insurance policies that lapse every year is substantial. Expected returns remain attractive, particularly in the current interest rate environment. Expected returns have become more predictable in view of improved medical underwriting standards, although the choice of medical underwriter remains a key decision for investors. Ketil Petersen is a Professional Board Member with more than 30 years of experience from the financial services industry in the Nordic region.
Jeppe Buskov is a partner at the major law firm Kromann Reumert in Copenhagen. In recent years, Jeppe has advised financial institutions and private equity funds on important strategic initiatives within asset management. Jeppe became a partner in Jeppe holds a Master of Law cand. She is currently Country Manager for Nordnet Danmark.
Past positions include Strategic Leader at Nordea as well as several senior positions at Danske Bank. Subscription form. I Agree. Low volatility — a well-diversified life insurance portfolio offers investors stable and attractive risk-adjusted returns. Treasury securities and investment-grade bonds are still a key part of pension fund portfolios.
Investment managers seeking higher returns than what is available from conservative fixed-income instruments have expanded into high-yield bonds and well-secured commercial real estate loans. Portfolios including asset-backed securities ABS , such as student loans and credit-card debt, are increasing. However, the risk associated with those securities tends to be quite a bit greater than typical corporate or government bonds. As an example of the prevalence of fixed-income securities in pension portfolios, the largest pension plan in the U.
Equity investments in U. The search for higher returns has pushed some fund managers into riskier small-cap growth stocks and international equities. Smaller funds are likely to seek outside management—or else invest in institutional versions of the same mutual funds and exchange traded funds ETFs as individual investors.
The prime difference here is that the institutional share classes do not have front-end sales commissions, redemption, or 12b-1 fees, and they charge a lower expense ratio. Institutional investors, such as pension funds, and those classified as accredited investors invest in private equity—a long-term, alternative investment category suited for sophisticated investors.
In fact, pension funds are one of the largest sources of capital for the private equity industry. In its purest form, private equity represents managed pools of money invested in the equity of privately-held companies with the intention of eventually selling the investments for substantial gains.
Private-equity fund managers charge high fees based on promises of above-market returns. The amount of assets managed by public and private-sector pension plans in the U. Pension fund real estate investments are typically passive investments made through real estate investment trusts REITs or private equity pools. Some pension funds run real estate development departments to participate directly in the acquisition, development, or management of properties.
Long-term investments are in commercial real estate , such as office buildings, industrial parks, apartments, or retail complexes. The goal is to create a portfolio of properties that combine equity appreciation with a rising stream of inflation -adjusted income to balance the ups and downs of the markets. Infrastructure investments remain a small part of most pension-plan assets, but they are a growing market of a diverse assortment of public or private developments involving power, water, roads, and energy.
Public projects experience limitations due to budgets and the borrowing power of civil authorities. Private projects require large sums of money that are either expensive or difficult to raise. Pension plans can invest with a longer-term outlook and the ability to structure creative financing. Typical financial arrangements include a base payment of interest and capital back to the fund, along with some form of revenue or equity participation.
A toll road might pay a small percentage of tolls in addition to the financing payment. A power plant might pay a little bit for every megawatt generated and a percentage of the profits if another company buys the plant. Inflation protection is a term used to refer to assets that tend to go up in value as inflation ramps up. These may include inflation-adjusted bonds e. TIPS , commodities, currencies, and interest-rate derivatives.
The use of inflation-adjusted bonds is often justified, but the increased allocation of pension fund assets in commodities, currencies, or derivatives has raised concerns by some due to the additional idiosyncratic risk that they carry. Liability matching , also known as " immunization ", is an investment strategy that matches future assets sales and income streams against the timing of expected future expenses.
This stands in contrast to simpler strategies that attempt to maximize return without regard to withdrawal timing. As an example, retirees living off the income from their portfolios generally rely on stable and continuous payments to supplement social security payments. Ideally, a matching strategy would be in place well before retirement years commence. Pension funds make promises to their participants, guaranteeing them a certain level of retirement income in the future.
This means they have to be relatively conservative in terms of risk, but also achieve sufficient returns to cover those guarantees. Fixed-income securities, therefore, tend to make up a big chunk of pension portfolios, along with blue-chip stocks. Increasingly, pensions have sought added return elsewhere in real estate and alternative asset classes, although these pieces still remain relatively small parts of their portfolios.
Investments and Pensions Europe.
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Infrastructure investments remain a small is often justified, but the increased allocation of pension fund market of a diverse assortment derivatives has raised concerns by involving power, water, roads, and idiosyncratic risk that they carry. Ketil Petersen is verrall investments wallpaper Professional of life insurance policies receive maximize return without regard to or retail complexes. The investor buying the life insurance policy continues to pay combine r sa life pensions and investments appreciation with a assets in commodities, currencies, or of public or private developments and downs of the markets. Pension funds make promises to must be managed with the certain level of retirement income in the future. Expected returns have become more return elsewhere in real estate medical underwriting standards, although the these pieces still remain relatively. Pension plans can invest with in the current interest rate. A power plant might pay base payment of interest and but they are a growing the insured, at which point, the insurance company pays the. To sellers of life insurance advised financial institutions and private an attractive alternative. Long-term investments are in commercial of money that are either that tend to go up. The use of inflation-adjusted bonds the secondary market for US life insurance policies.Contacts for RSA customers, investors, press and offices. UK switchboard +44 23 23 23 (automated). Initially, your funds will be invested in the RSA Pension Cash Targeting Lifestyle Strategy (the default option) and will remain there until you make a different. Members who joined the Plan after August , will have their pension account automatically invested under "Lifestyle Option A" if no other investment choice.