Jiřina Kavková (Kurzy.cz)
Pension insurance  |  March 20, 2013 10:23:48

If you want to save for retirement with an interesting return, but do not want to lose Guarantee?


Company Conseq offers, in addition to the five pension funds, including savings program Zenit with a choice of a savings strategy guarantees. That even in the case of interest income clients to ensure that their account will be at least as many resources as you entered.

Zenit program combines several funds with different investment focus with adequate risk diversification. Offers three assisted strategy - conservative, balanced and dynamic, and the possibility to choose Guarantee.

Zenit savings strategies guarantee of bringing solutions to clients who do want to get attractive returns and are therefore willing to accept varying value of your savings in time, but for the final moment of drawing the money they want to be sure and a written undertaking that their account will be at least as many resources how many entered. Guarantee, the client can choose the savings to the program, provided that the duration of the program is at least 10 years of age and at least monthly contribution. 500 CZK.

By not guarantee continuous, but the target date, this strategy also gives the more than 10-year horizon enough potential for significantly higher returns than conservative strategy completely transformed funds with guaranteed non-negative result in each calendar year.

Zenit provides the client with the same guarantee - at least at the end gets what accumulated and state contribution. While respecting its investment horizon and gives him a chance at a much higher yield. And this is especially the long term is very important.

Judge for yourself:
When úložce 1.000, - CZK per month (and the corresponding public contribution of CZK 230), the value of the retirement account for 30 years at 2% per year appreciation of CZK 604,000, while the yield of 5% per annum will be equal to CZK 1 million.While in the first case it means draw annuity CZK 5000 per month for a period of 11 years, in the second case it is 20 years old!

Insurance:
Zenit offers retirement savings as a complementary product can also insure the waiver of the invalidity, or even the risk of death. Especially disability insurance is very important. In the event that the client has no income to pay for pension savings, so not only does not have a provision for old age, but also comes an opportunity to state aid. Now additional insurance, the provider of the CPP, the risk for disability completely covered.

More information will find a to: www.mojepenze.cz

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