Savings insurance plans
Savings insurance investments are a good way to save when the intention is to save for a minimum of five years. Additional investments to the monthly or annual investments can be made at any time. Contributions to savings insurance investments go to mutual funds selected by the customer. 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.
Capital gains tax is paid on the profit only when the savings are drawn from the insurance investment. Savings insurance is also a good way to save on behalf of your children or grandchildren, for example. The benefits paid out of the insurance investment are free of gift tax for the immediate family, up to EUR 8,500 every three years. 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.
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