Build savings with the flexibility of a life insurance policy
NN Strategy Branche 23 / Tak 231 is an individual Branche 23 / Tak 231 life insurance contract with no tax concessions that is linked to investment funds.
In an NN Strategy Branche 23 / Tak 231 policy:
- you are free to choose the insured person and the beneficiary or beneficiaries
- you can take out supplementary guarantees
- you pay no withholding tax
- you can make regular transfers, starting from 40 euros per month
- you can also make a one-off deposit by investing a minimum sum of 2,500 euros. After that, you can then make additional deposits of at least 500 euros, whenever you wish.
- you are free to choose the funds that best match your investor profile. Make sure you discuss this with your broker.
A Branche 23 / Tak 23 investment-linked insurance policy for typically higher rewards
Your premiums are invested in investment funds. This gives you the possible prospect of typically higher rewards over the long term. On the other hand, the financial risk of Branche 23 / Tak 231 transactions is fully borne by you as the policyholder.
What risks are associated with Branche 23 / Tak 23?
Branche 23 / Tak 231 life insurance offers no guaranteed return or capital.
Your returns are determined by the performance of the funds within your contract.
Should you want or be able to invest in investment funds for a short period then this will involve a financial risk. This is because the returns from these funds are dependent on stock market fluctuations.
The risk connected to this is borne in full by you as the policyholder. This risk decreases the longer you can keep your money invested for, and depends on the funds you choose based on your investor profile.
By regularly (periodically) saving your money, you can spread your investments over time. In this way, you can mitigate the impacts of the market fluctuations that may affect funds with a higher risk profile in the short term.
With NN Strategy Branche 23 / Tak 231, you can choose from a number of renowned investment funds within an open architecture. That means you can also opt for funds from well-known fund managers alongside funds run by NN Asset Management.
You can find all the details under our Funds heading on this website.
Options for a balanced investment
With NN Strategy Branche 23 / Tak 231 you can choose a range of attractive options in order to secure all or part of your savings, limit your losses or maintain balance in your investment.
Each year, you benefit from a free switch between funds.
Read all the details here: Options for NN Strategy funds
Talk to your broker to find out your investor profile and to determine which options are right for your investment and your profile. This is essential for you to make sensible investments.