The Wiesbaden-based financial services provider Delta Lloyd has started the year by significantly expanding its range of funds for all unit-linked products. 34 funds in total are now available.
The Wiesbaden-based financial services provider Delta Lloyd has started the year by significantly expanding its range of funds for all unit-linked products. 34 funds in total are now available. This applies not only to the "plus" variants of unit-linked pensions, but also to unit-linked basic pension and the "Tigerente" pension for children, as well as to both new and existing customers.
"In recent years Delta Lloyd has established itself as one of the leading providers of unit-linked pensions. With our increased choice of funds we have strengthened our position in this section of the market even further," explains Wolfgang Fuchs, commercial director at Delta Lloyd Deutschland AG.
Target funds adapted over lifetime
New to the range of funds for example are target funds from Fidelity. Here the balance of shares and bonds is checked daily until retirement and adjusted according to market developments and the age of the saver. To begin with, the chance of high rates of return is offered with a high percentage of shares. As the payout date nears, safer investments such as bonds are invested in more heavily.
Highlight - ETF Dachfonds
The ETF Dachfonds, which invest in Exchange Traded Funds (ETF), are a further highlight of the extended funds portfolio from Delta Lloyd. These funds represent different share indices and have particularly low costs. Furthermore they can also invest in the money market during difficult times for the stock markets and therefore offer additional security. Further additions to the range of funds include the Haus Invest Europe property fund, the Schroder ISF Euro Liquidity cash fund and the Fidelity EMEA fund, which invests in securities from companies located in attractive areas of growth in Central, Southern and Eastern Europe (including Russia), the Middle East and Africa. The selection of European bond and shares funds has also been extended.
No additional costs for changing funds
For all unit-linked products, Delta Lloyd customers can now compile an individual portfolio from 34 funds for the "plus" variant, 31 for the basic variant. Alternatively, customers can have fund assets actively managed by Delta Lloyd's experts. As a third alternative, the customer can choose a guaranteed fund with highest-level guarantee and therefore maximum security. All three investment variants can be freely combined one with the other, and the choice and distribution of funds can be changed at any time at no cost. The assets in the fund can be increased at any time by means of flexible cash payments.
High guaranteed pension factor
Because of the above-average guaranteed pension factor, the guaranteed pension from Delta Lloyd is among the highest on the market. Through the guaranteed pension factor, the pension for every €10,000 of plan assets is guaranteed without limitation from the start of the policy. This means that a 25-year old, based on a period of 40 years, with a monthly contribution of €100 on the basic pension tariff will have a guaranteed pension of €618. The assumed increase in value is 6% pa, with the pension being drawn in the form of a dynamic pension.
Greater choice of funds for unit-linked profit investment
The individual choice of funds has also been increased for classic Delta Lloyd products where profits generated can be invested in funds. Here both the Veritas ETF-Dachfonds (P) and ETF-Dachfonds Renten (P) are now available alongside the existing individual funds, G&H Vermögensverwaltung Chance, Templeton Growth (Euro) and DWS Akkumula. Alternatively the customer can, as before, choose between the proven investment strategies of security, growth or chance.
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For further information:
Martina Fassbender
Telephone: 0611 773 25 71
Fax: 0611 773 14 25 71
E-mail: martina.fassbender@deltalloyd.de
Notes to editors:
About Delta Lloyd
Delta Lloyd Germany is a 100% subsidiary of Delta Lloyd Group, Amsterdam, and therefore part of the British Aviva Group. The company offers a one-stop shop for a wide range of financial, investment and provident products and also provides expert advice on all financial matters. In addition to Delta Lloyd Leben and Hamburger Leben, a pension fund and a consultancy for occupational pension schemes respectively, the Delta Lloyd Group in Germany also comprises the private bank Gries & Heissel and a mortgage broker.