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PROSPERITA

PROSPERITA Investment and Insurance Programme 

Jointly with insurer T.U. Allianz Życie Polska S.A., Bank Pekao S.A. designed a combined investment and insurance programme for the Bank Customers, called Prosperita. This product allows long-term investments while offering insurance protection against death, including death due to an accident.

You can invest based on five available investment strategies designed by insurer T.U. Allianz Życie Polska S.A. and managed by the Pioneer experts. The investment portion of the insurance premium is deposited in Pioneer mutual funds managed by Pioneer Pekao Investment Management S.A.

The Customers are also covered with insurance against death, including death due to an accident.

  • In the event of death of the Insured, the Beneficiary receives an insurance benefit of 5% of collected shares, however no more than PLN 10,000 + value of collected shares.
  • In the event of death of the Insured due to an accident, the Beneficiary receives an insurance benefit of 25% of collected shares, however no more than PLN 5,000 + value of collected shares.

Any person aged 13 up to 76 years is eligible to insure. No medical tests are required.

During a visit at the Bank, the Customer can declare a bulk payment or periodic premiums. The minimum bulk payment is PLN 5,000 and the minimum monthly premium is PLN 150.00.

Each of the five strategies contains a special selection of Pioneer mutual funds. Premiums are invested in selected strategies in the preferred proportion. The proportion reflects the investment risk and expected rate of return on capital preferred by a given customer.

CONTACT PREMIUM PERSONAL ADVISOR

Investment Benefits

The Prosperita Programme is a perfect solution for those who want to have an influence on investment, risks and other factors related to the insurance agreement. Taking a higher risk in the long term can yield a rate of return much higher than in any other form of secure saving. The diversification of the investment strategy increases the level of investment safety.

Investors benefit from the experience of the investment experts who choose securities with the highest rate of return. Long-term investment activity is independent of temporary fluctuations of economies and ensures higher effectiveness of invested capital.

The fact that Prosperita is a life insurance means advantageous legal regulations:

  • benefits from insurance agreements are not subject to the inheritance and donation tax (Polish Civil Code 831 §3) taxes on acquisitions and rights to assets range from 3 up to 20%.
  • benefits from life insurance are protected against court execution in 75% (ordinance of 4 July 1986 of the Ministers of Finance and Justice).

 

DEBT SECURITIES FUNDS:

Pioneer FIO - Subfundusz Pioneer Obligacji

Pioneer FIO - Subfundusz Pioneer Pieniężny

Pioneer Obligacji Dolarowych Plus FIO

MIXED AND EQUITY FUNDS:

Pioneer FIO - Subfundusz Pioneer Zrównoważony

Pioneer FIO - Subfundusz Pioneer Akcji Polskich

Pioneer Akcji Amerykańskich FIO

Pioneer Akcji Europejskich FIO

Pioneer FG SFIO - Subfundusz Pioneer Dochodu i Wzrostu Rynku Chińskiego

Pioneer FG SFIO - Subfundusz Pioneer Dochodu i Wzrostu Regionu Pacyfiku

PROSPERITY STRATEGIES/FUNDS OFFER:

  • Diversified investment strategy,
  • Varied investment risk levels,
  • Portfolio manager is responsible for composing Prospertiy Fund portfolios.

Pioneer Pekao Investment Management S.A. is the portfolio manager authorised to manage portfolios of financial instruments that require brokerage (decision of the Polish Financial Supervision Authority). The list of funds available under the Prosperita Programme is subject to change, including addition of new funds, fund mergers and change of fund names carried out by fund managers. A portion of the investment portfolio of each Fund can be maintained on bank deposits, to an extent ensuring the required liquidity ratio for a given Fund.

CONTACT PREMIUM PERSONAL ADVISOR

Funds are not a bank deposit and do not guarantee any level of profits. The value of fund shares as at the date of registration may be either higher or lower than on the day of their sale.

 

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