Investment insurance plans
An investment insurance plan is an efficient way to make a one-time investment, which can be made for several years. Contributions to investment insurance go to mutual funds selected by you. Therefore, efficient diversification and the selected profit/risk level can be achieved. Changing mutual funds is easy and there are no costs or tax implications associated with doing so. Additional contributions to the investment insurance can be made easily at any time. Similarly, withdrawals, even partial ones, can be made from the insurance plan at any given time, if necessary. The benefit is the transfer of capital gains tax, as capital gains tax is paid on the profit only after the profit exceeds the amount originally invested. Investment insurance also includes a life insurance policy. Upon the death of the policyholder, the immediate family members listed as beneficiaries can each receive EUR 35,000 free of inheritance tax, and the spouse can receive even more. Investment insurance also functions as a good solution in inheritance planning.
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