Allianz Hybrid – A combination of savings and investment
The Allianz Hybrid is a financial solution designed for those seeking to balance security and potential for appreciation. By combining a savings component with an investment component, this product allows you to tailor your financial strategy to your individual risk profile, offering a middle ground between exclusively conservative investments and those with greater exposure to financial markets.
This flexibility makes insurance an attractive option for those who want to grow their wealth without concentrating all their capital in a single investment strategy.
How does Allianz Hybrid work?
The main feature of this product is the division of the principal into two distinct components.
A portion of the amount is allocated to the savings component, which aims to provide greater stability for the principal, while the other portion is directed toward the investment component, allowing you to benefit from any appreciation in the financial markets.
The customer can choose how to allocate their capital between these two components, selecting different percentages for investments and savings based on their goals and risk tolerance.
This customization option makes it possible to create a solution that is better tailored to each investor's individual needs.
Flexibility in managing savings
The insurance plan was designed to support various financial goals over time.
When signing up, customers can choose between regular payments and one-time payments, depending on their financial situation and savings strategy.
Regular contributions help you develop the habit of investing consistently, while one-time contributions allow you to boost your investment whenever you have additional savings available.
This flexibility makes it easier to manage finances in a way that is better suited to the different stages of life.
Aligning Investments with Risk Profile
Not all investors have the same risk appetite. While some people prioritize capital preservation, others seek higher potential returns by accepting greater exposure to market fluctuations.
Allianz Hybrid allows you to fine-tune that balance.
The percentage allocated to investments can be adjusted in the contract’s annual payments, allowing the strategy to be adapted whenever the client’s financial goals or personal circumstances change.
This option for periodic reviews is a significant advantage for those who want to keep pace with their changing needs over the years.
Appreciation potential
The investment component allows you to participate in the appreciation of the financial assets associated with the selected fund.
Although financial markets may experience periods of greater volatility, this component offers the potential for higher returns than those of solutions focused exclusively on savings.
Of course, performance will depend on market conditions and the underlying assets, so results cannot be guaranteed.
This combination of security and growth potential is one of the main attractions of insurance.
The Importance of Diversification
One of the most commonly used strategies in wealth management is diversification.
By combining savings and investment in a single product, insurance allows you to allocate your capital across components with different levels of risk.
This approach helps reduce overall exposure to market fluctuations while preserving the potential to benefit from any appreciation in the investment component.
Diversification is a fundamental principle for anyone who wants to build wealth gradually and in a balanced way.
Who is it recommended for?
Insurance can be a suitable solution for people who want to invest for the medium or long term but do not wish to expose all of their capital to the risks of the financial markets.
It is also suitable for investors who are looking for flexibility in managing their investments and value the ability to adjust their strategy throughout the term of the contract.
Each customer can choose a more conservative or more aggressive allocation between savings and investments, depending on their financial goals.
A solution that supports different stages of life
Financial needs change over time. During your working life, you may have greater capacity to take on some risk in pursuit of returns, while as you approach retirement, it may be preferable to prioritize a more significant savings component.
The ability to adjust the allocation between investments and savings allows insurance policies to keep pace with these changes, adapting to the different stages of an investor’s life.
This feature makes the product particularly versatile for long-term financial projects.
Understand the risks before investing
Like any product that involves investing in financial assets, it carries risks that you should be aware of before subscribing.
While the savings component aims to provide greater stability, the investment component is subject to fluctuations in the financial markets and may appreciate or depreciate in value.
For this reason, it is important for each client to carefully assess their risk profile and investment goals before making an investment decision.
An informed choice allows you to select the allocation between savings and investments that best suits your needs.
Allianz Hybrid allows deliveries to be split into :
50% Investment+50% Savings
35% Investment+65% Savings
25% Investment+75% Savings
10% Investment+90% Savings
Savings
At the start of your contract, you can choose between regular and non-regular deliveries.
The minimum amounts you deliver to Allianz Portugal vary according to the type and frequency of deliveries:
Monthly - € 25,00
Quarterly - € 75,00
Sem/Annual/Single - € 250.00
Additional Delivery - € 250.00
The maximum amounts that can be commercially subscribed to this product vary according to the type and frequency of deliveries:
Per contract € 250.000,00
Additional Delivery - € 5.000.00 / Year
Investment
You can invest 10%, 25%, 35% or 50% of the total amount, with the possibility of obtaining the appreciation achieved by the Fund;
Flexible, as you can choose the % you want to invest and the % you want to save;
You can change the % of each component in the annuity, thus adapting the potential return of the product to your needs.
The best and worst possible outcome:
Worst Possible Outcome:
Payment of the Savings Component with a 0% revaluation, i.e. equaling the deliveries for this component net of charges. The Investment component (maximum 50%) has the possibility of total loss of the capital invested in this component.
Best Possible Result:
Payment of the Savings Component with revaluation at the guaranteed rate and payment of the Investment Component with gains arising from the appreciation of the underlying assets, subject to full compliance with the liabilities of the issuers of the assets in the portfolio.
Additional information
Consult the Brochure
See Key Investor Information
