|
 Profitability or security for the future?
The AXA Accumulator * Futuro offers you both!
Accumulator Futuro - an innovative and risk-free investment to supplement your retirement income, which only a large company such as AXA can offer. After paying a single premium, you choose from the 5th year when you want to have the 20-year pension. We can advise you personally! Simply use our information request form or call us. Phone: 902 200 211
Your Benefits at a Glance
- Guaranteed minimum interest rate 2%
- 100% of surplus return on annuity and outstanding capital
- No limit to the expected rate of return
- Availability from the 1st day
- Tax benefits
- free inheritance guarantee brings extra protection with capital guarantee
- From € 6,000
- Transparency: You follow the course of your investment
- Maximum flexibility: A change of investment scheme at any time
Standards and safeguards
- Age of the policyholder: 18 - 75 years
- Minimum contribution: 6.000, - €
- Deposit fees:
- 6.000, - up to 99,999 € = 1%
- From € 100,000 = 0.8%
- annual guaranteed bonus: 1.3%
Investment Schemes
AXA Accumulator is working with leading fund management companies:
A change in your investment scheme at any time:
| Investment model |
Investment Structure |
Profitability
2008 |
Profitability 2009
|
| Bond Funds Europe |
85 % bonds
15 % Money Market |
4,72% |
6,85 % |
| Global bond funds |
70% bonds
30% equities |
-10,61% |
13,99% |
| Balanced funds worldwide |
70% bonds
30% equities |
-20,95% |
16,39% |
|
Euro-Dividend
(since 16.02.2009)
|
50% bonds
50% equities |
- |
21,67% |
|
Euro-Equilibrada
(since 16.02.2009)
|
50% bonds
50% equities |
- |
24,09% |
| Europe, security |
100%
Money Market
|
2,81% |
0,37% |
|
Dinamica Europe
(since 16-02-2009)
|
30% bonds
70% equities |
- |
26,39% |
|
Dinamica Worldwide
(since 16-02-2009)
|
70% bonds
30% equities |
- |
29,94% |
We guarantee 100 percent security
Every 5 years until the start of pension payments, we analyze the value of your assets. Depending on the outcome, there are the following possibilities:
a) Balances below principal capital at start
Should your balance fall below the beginning balance the warranty comes into force and your balance will be reset to the value of the starting balance. In this way losses will be offset, and your capital gains further value.
- Example:
Investment of 100.000, - €
Transaction fee 0.8% Annual fee 0.8%
Guaranteed minimum amount of annual pension: € 5575.61
b) balance higher than principal capital at start
If your balance is above the principal capital you may either continue the investment or get the principal and the surplus paid out at your discretion
- With a yearly growth of 6% the annual pension will increase to € 6691.13*
- with a yearly growth of 10%: 8052.55 € (Example 5 years duration)
In both cases, the remaining sum of your investment amount remains invested after the beginning of redemption disbursement of surpluses and principal. As such you continue to benefit from the growth of the fund. The surplus will be paid together with the last monthly pension payment. |
Capital Investments 
