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Under this strategy you can allocate your investment among the following 7 funds:
| Fund |
Asset Mix |
Min%
|
Max%
|
Potential risk - reward |
| Health Flexi Growth: Long term returns from an equity portfolio of large, mid and small cap companies |
Equity & Related Securities
Debt, Money Market & Cash
|
80%
0%
|
100%
20%
|
High
|
| Health Multiplier: Long term capital appreciation from an equity portfolio |
Equity & Related Securities
Debt, Money Market & Cash
|
80%
0%
|
100%
20%
|
High
|
| Health Flexi Balanced: Balance of capital appreciation and stable returns from an equity (large, mid & small cap companies) & debt portfolio. |
Equity & Related Securities
Debt, Money Market & Cash
|
0%
40%
|
60%
100%
|
Moderate
|
| Health Balancer: Balance of growth and steady returns from an equity & debt portfolio |
Equity & Related Securities
Debt, Money Market & Cash
|
0%
60%
|
40%
100%
|
Moderate
|
| Health Protector: Accumulated steady income at a lower risk |
Debt Instruments, Money market & Cash
|
100%
|
100%
|
Low
|
| Health Preserver: Protection of capital through very low risk investment. |
Debt Instruments
Money market & Cash
|
0%
50%
|
50%
100%
|
Low
|
| Health Return Guarantee Fund*: Provides guaranteed returns through investment in a diversified portfolio of high quality fixed income instruments |
Debt Instruments
Money market & Cash
|
100%
|
100%
|
Low
|
* The Health Return Guarantee Fund is a close ended fund of terms 5 and 10 years. It is intended to provide you a return over a specified period, subject to a guarantee. The fund may be offered in tranches from time to time and each tranche will be open for subscription for a brief period of time and will terminate on a specified date. We shall guarantee the NAV that will apply at the termination of each tranche. The guaranteed NAV would be specified at the time of launch of each new tranche. On the termination date, you will receive higher of that day’s NAV or guaranteed NAV. This amount will be re-allocated into our other funds in the same proportion as your fund portfolio. Kindly contact your nearest branch or our call centre regarding its availability and the applicable guaranteed NAV.
Automatic Transfer Strategy
Under the fixed portfolio strategy, you can opt to avail of the automatic transfer strategy where you can invest your premium as a lump sum amount in our money market fund (Health Preserver) and transfer a chosen amount every month into any one of the following funds: Health Multiplier / Health Flexi Growth. This facility will be available free of charge.
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