Flexibility
You will be able to adapt your investment by making regular, one-off or extraordinary contributions, or changing your strategy by transferring your capital between the different investment funds.
Savings insurance policies
Natural selection for your investment
Multi-fund investment is a Unit Linked insurance policy that combines the tax advantages obtained from savings insurance policies and the return and liquidity you seek for your savings. It is a very flexible solution that allows you to choose not only way you wish to make your contributions but also the investment options according to your expectations of obtaining attractive returns and the risk you wish to take.
With Multi-fund investment, you will receive the best advice and all the information you need when investing in the various options we offer you.
You will be able to adapt your investment by making regular, one-off or extraordinary contributions, or changing your strategy by transferring your capital between the different investment funds.
Our eight investment options offer you different solutions suited to your expected return, your predisposition to risk and the estimated investment period for your savings.
You will have your capital available, totally or partially, without worrying about any fees/commissions or penalties as of the first year.
This investment option is suitable for investors that do not like taking large risks, obtaining a short-term return from national or international fixed-income securities from public or private issuers denominated in euros. The net asset value of this fund will not experience significant fluctuations.
This investment option is a suitable alternative for moderate-risk investors that seek a long-term return from national or international fixed-income securities denominated in euros from public or private issuers. The interest rates can present greater sensitivity due to the investment term.
This investment option offers moderate-risk investors that mainly invest in fixed income the option of assuming certain volatility, thus seeking a higher return in the medium term through variable-income securities. This fund, winner of several awards from Expansión for the best mixed fund, invests principally in national and international fixed income from public and private issuers and up to 30% in variable-income securities from companies included in the Ibex 35 index.
This investment option is suitable for moderate-risk investors that expect a medium-term return, distributing the capital between national and international variable-income securities and fixed-income securities. The variable-income investment in this fund will not exceed 50% of the managed portfolio.
This investment option is suited for those seeking to invest in the Spanish equity market and are expecting a higher return than the Ibex 35, aware of the risks involved in the stock exchange and with a long-term investment period. This fund is managed by a highly experienced team, winner of several awards, such as the Base Ibex and Morningstar awards for the best equity product in Spain.
This investment option is a solution for investors who wish to diversify part of their capital in variable income assets issued by European companies, seeking higher returns than the DJ Eurostoxx50 index. A long-term investment period is recommended, and this fund is suited to investors that are aware of the risk involved in investing in the main European stock markets.
This investment option invests up to 100% of its total exposure (portfolio) in equities quoted in the United States in dollars, without predetermination as to their capitalisation. The possibility of investing in low capitalisation assets can negatively influence the liquidity of the fund. Exposure to currency risk will be greater than 30%. The fund can invest up to 100% in CIIs (including those of the group, ETF, SICAV or similar assets).
This investment option consists of variable income assets issued by international companies in international stock markets and it is aimed at investors seeking a higher return by diversifying their investment in new geographical areas. This long-term fund is not exempt from volatility, offering the opportunity of benefiting from the different growth rates of the different geographical areas.
The returns obtained from the different options proposed when withdrawn are considered capital gains and are subject to a 19% withholding for individuals.
If the insured person passes away, the amounts payable to the beneficiary are subject to taxes on inheritances and donations. The amount of tax can decrease depending on the relationship between the holder and the beneficiary.
The investment is distributed among the different options at the policyholder's choice. Those chosen can be subsequently changed. These options are currently materialised in eight funds of Grupo Catalana Occidente.
An interest rate is not guaranteed and the contract is updated according to the performance of the investment options. Therefore, the holder bears the investment's financial risk.
*Data as of September 31, 2023
Multi-fund investment allows you to choose the contribution system that best suits your situation. You may choose between a single payment or regular payments, as well as making any extraordinary contribution whenever you wish.
In addition, the flexibility of Multi-fund investment allows you to adjust the investment profile by distributing your savings between the different investment options via transfers.
The contributions made in Unit Linked savings insurance policies are invested in investment options chosen according to the holder's risk profile and return expectations.
They are highly versatile as they allow changing the investment between options depending on the market circumstances. Another advantage is the possibility of having access to investment options by making regular contributions; therefore, with a small capital you can obtain high a diversification.
On the other hand, Unit Linked insurance policies guarantee additional cover in the event of the insured person passing away.
Plus Ultra Seguros offers you various savings options to ensure you obtain the return you want on your investment.
Always enjoy the best advice and management from the best experts in investment and savings insurance policies.
We will regularly inform you on the situation of your investment and how your savings are performing.
Among our investment options, you will find the plan that perfectly suits your savings profile, and you can change your investment whenever you need to.