Ave. Mesogis 17, Paphos 8280, Cyprus

Investment Funds

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INSURANCE INVESTMENT FUNDS

General Information

All the Company’s Plans that are Unit-linked (unit-linked) can be linked to one or more of its internal investment funds: the PrimeSAFETY, PrimeDISCIPLINED, PrimeBALANCED, PrimeAGGRESSIVE, and PrimeSECURE. The allocation and crediting of units of future premiums and/or lump-sum payments are allocated and credited according to the investment profile of each Client individually.

PrimeSAFETY fund

Who is it for?

It is aimed at people who are risk averse, who prefer stability, expect an income return with extremely low investment risk and minimize the risk of capital loss.

Where does it invest?

The Fund invests mainly in short-term money market securities (cash purchases) and bank deposits, aiming to minimise investment risk. Secondarily, it invests in bonds (public and corporate) and guaranteed capital and/or fixed income products. The risk of loss of the invested capital is extremely low but at the same time the possibility of achieving capital gains is minimal.

Is there a guarantee?

PrimeSAFETY is the only investment fund that guarantees that the “redemption price” of its unit will not be lower than the immediately preceding one.

Fund Details

  • Start date: 01/6/2003
  • Annual management fees: 0.8% This percentage varies at the Company’s discretion up to a maximum of one and a half percent (1.5%) per annum.

PrimeDISCIPLINED fund

Who is it for?

It is aimed at people who choose a low-risk investment, who can bear some additional risk. They prefer reasonable stability with low volatility and minimised investment risk and expect a satisfactory return over the medium term.

Where does it invest?

The Fund invests mainly in low-risk products, i.e. fixed income investments (government and corporate bonds) and short-term money market securities. It also invests a maximum of 20% in high-capitalisation equities traded on authorised stock exchanges (blue chip listed securities).

What is the objective of the Fund?

The Fund aims for medium-term returns relatively higher than fixed income securities, assuming the minimum commensurate investment risk.

PrimeBALANCED fund

Who is it for?

It is aimed at people who prefer moderate risk and corresponding volatility in exchange for potentially higher returns on their investment with a medium-term investment horizon.

Where does it invest?

The Fund invests mainly in equities and fixed income securities with almost equal weighting.

What is the objective of the Fund?

The Fund aims to achieve returns above those of fixed income securities by assuming the corresponding investment risk, investing in securities with the potential for high capital gains, but also in fixed income investments. The risk of equity investments is kept at relatively low levels compared to the investment risk of a pure aggressive equity fund, due to the comparatively higher weighting in selected blue chip stocks traded on approved stock exchanges.

Fund Details

  • Start date: 30/4/1997
  • Annual management fees: 1% This percentage varies at the Company’s discretion, up to a maximum of one and a half percent (1.5%) per annum.

PrimeAGGRESSIVE fund

Who is it for?

It is aimed at people who are prepared to take on high risk in exchange for potentially high returns on their investment over a long-term investment horizon.

Where does it invest?

The Fund invests mainly in selected blue chips, shares of emerging small and mid-cap companies, as well as in shares of newly listed companies traded on approved stock exchanges.

What is the objective of the Investment Fund?

The Fund aims to achieve long-term returns similar to those of the capital markets, while limiting investment risk. Fixed income investments are considered to be of secondary importance and represent a comparatively small proportion of the Fund.

Fund Details

  • Start date: 01/06/2003
  • Annual management fees: 1.2% This percentage varies at the Company’s discretion, up to a maximum of two percent (2%) per annum.

PrimeSECURE fund

Who is it for?

It is aimed at people who are risk averse and prefer stability in their investments.

Where does it invest?

The Fund invests mainly in short-term money market securities (cash purchases), cash and bank deposits, aiming to minimise investment risk. The risk of loss of invested capital is extremely low but at the same time the possibility of capital gains is minimal.

Fund Details

  • Start date: 01/11/2019
  • Annual management fees: 0.8% This percentage varies at the Company’s discretion up to a maximum of one and a half percent (1.5%) per annum.
Prime Lifecycle

Prime Lifecycle Combination of Funds

The Prime Lifecycle combination of investment funds automatically adjusts the investment categories over the life of the contract. Depending on the duration of the policy, each policyholder will be assigned to the corresponding fund combination until the end of the policy or their 65th birthday. This combination invests aggressively in the early stages of the life of the policy, and invests more conservatively as the policy approaches maturity, according to the table below:

Allocation of Investment Funds
Years to expiry / 65th birthdayAGGRESSIVEBALANCEDDISCIPLINEDSECURE
30100%0%0%0%
2567%33%0%0%
2033%67%0%0%
150%100%0%0%
100%50%33%17%
50%0%42%58%
10%0%8%92%

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Life Insurance with investment units

The Prime Life Plan is a uniquely flexible life insurance plan linked to investment units, allowing for conversions throughout the life of the plan...

INVESTMENT FUNDS