CHARACTERISTICS OF MODERATE PACKAGE FUNDS
Raiffeisen CASH open-end investment fund is an asset preservation fund, ie a money market fund, which is characterized by the fact that it invests at least 75% of its assets in cash deposits and short-term debt securities. See more | Prospectus
Raiffeisen EURO CASH aims to, through responsible and professional management, ensure a stable but continuous return, protect the investment of dinar funds from exchange rate fluctuations through investment in instruments denominated in EUR, with a low level of risk and maintaining liquidity at the highest possible level. See more | Prospectus
Raiffeisen WORLD is an open-end investment fund that invests at least 85% of its assets in equity securities and debt securities. Investment in debt securities and cash deposits may not be less than 35% nor more than 65% of the value of the fund’s assets. See more | Prospectus
WVP BALANCED is a balanced fund that invests at least 85% of its assets in equity and debt securities. Investments in debt securities and cash deposits may not be less than 35% or more than 65% of the value of the fund’s assets. See more | Prospectus
WVP PREMIUM open-end investment fund is an asset growth fund that invests at least 75% of its assets in equity securities. The focus of the fund’s investment policy will be large and medium-sized companies – “Large and Mid Caps”, which are leaders in their own industries and have a continuity and a growing history of dividend payments. In the investment process, special attention will be paid to minimizing the risks that may arise in this type of investment. See more | Prospectus
WVP DYNAMIC open-end investment fund is an asset growth fund that invests at least 75% of its assets in equity securities. The investment goal of the WVP DYNAMIC fund is to achieve a high rate of return, ie a high growth in the value of the fund’s assets through capital gains and income from dividends and interest, while maintaining liquidity and investment security. See more | Prospectus
CHARACTERISTICS OF ACTIVE PACKAGE FUNDS
WVP Cash invests at least 75% of its assets in short-term debt securities and cash deposits. The investment goal of the WVP CASH fund is to achieve a stable growth in the value of assets, with a low level of risk and a high level of liquidity of invested funds.
WVP CASH fund is intended primarily for investors who do not want to expose their assets to high risk and price fluctuations, while achieving an attractive return in a relatively short period.
Investment decisions are made in accordance with the Law and investment policy in accordance with this Prospectus, and they are made on the basis of money market analysis, which include analysis of expected interest rate movements, as well as analysis of individual issuers when depositing funds or investing in debt instruments. See more | Prospectus
WVP BALANCED is a balanced fund that invests at least 85% of its assets in equity and debt securities. Investments in debt securities and cash deposits may not be less than 35% or more than 65% of the value of the fund’s assets.
The investment goal of WVP BALANCED fund is to professionally manage and maintain the quality structure of the Fund’s assets, to achieve stable growth in the value of assets and investment units, over a longer period, through capital gains and income from dividends and interest, while maintaining liquidity and investment security.
WVP BALANCED is intended for domestic and foreign, legal and natural persons interested in placing free funds, on a long-term basis in a diversified portfolio of various equity and debt securities (government and corporate bonds), as well as money market instruments. See more | Prospectus
WVP PREMIUM open-end investment fund is an asset growth fund that invests at least 75% of its assets in equity securities. The focus of the fund’s investment policy will be large and medium-sized companies – “Large and Mid Caps”, which are leaders in their own industries and have a continuity and a growing history of dividend payments. In the investment process, special attention will be paid to minimizing the risks that may arise in this type of investment.
WVP PREMIUM invests most of its assets in equities and is intended for investors who want to invest in the long term in a diversified portfolio of equity securities, with the aim of achieving a high rate of return, and while accepting a higher level of risk. See more | Prospectus
WVP DYNAMIC open-end investment fund is an asset growth fund that invests at least 75% of its assets in equity securities. The investment goal of the WVP DYNAMIC fund is to achieve a high rate of return, ie a high growth in the value of the fund’s assets through capital gains and income from dividends and interest, while maintaining liquidity and investment security.
WVP DYNAMIC, as an asset growth fund, invests most of its assets in shares and is intended for individuals and legal entities, domestic and foreign, who want to invest in the long term in a diversified portfolio of equity securities, with the aim of achieving a high rate of return, and with the acceptance of a higher level of risk. The principles of investing in the WVP DYNAMIC fund are the principle of security, the principle of portfolio diversification, the principle of maintaining liquidity, and other principles in the function of risk dispersion. See more | Prospectus
Raiffeisen WORLD open-end investment fund invests at least 85% of its assets in equity securities and debt securities. Investments in debt securities and cash deposits may not be less than 35% or more than 65% of the value of the fund’s assets.
The Fund is intended for individuals and legal entities, domestic and foreign, to which the Fund’s investment goal corresponds, ie investors who want to achieve a positive return in the long run by investing in various types of assets, but are also willing to accept moderate risk. See more | Prospectus
Age of the insured
All persons aged 14 to 65 can be insured, provided that at the end of the contract cannot be older than 75.
Insurance premium
The premium is paid recurrently, according to the dynamics you choose – monthly, quarterly, semi-annually or annually. Premium payment is made exclusively in RSD. The minimum amount you can pay per month is 3,000 RSD. The agreed amount of the premium cannot be changed during the insurance period. Payments are in RSD only.
Contract duration
You choose how long the insurance contract will last. The minimum duration of the contract is 10 years, and the maximum is 25 years.
Sum insured
In the event of the death of the insured during the term of the contract, we are obliged to pay a larger amount, when comparing:
- guaranteed sum insured in the event of death (if the premium was paid regularly) and
- the sum of the value of the investment portfolio of the insurance policyholder and 5% of the total contracted insurance premium less costs and taxes incurred by the insurer when withdrawing funds from investment funds.
- For life insurance, the minimum guaranteed sum insured in case of death is 25,000 dinars, and the maximum guaranteed sum insured in case of death is the sum of all contracted insurance premiums.
- When it comes to experience, the sum insured cannot be defined in advance, because it depends on the value of the investment units you have at the time of expiration of the insurance contract.
Basic insured cases:
- death of the insured during the agreed duration of insurance
- experiencing the expiration of the contracted insurance.
Terms and conditions
