Multi-fund Investment

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What sets Occident multi-fund investment apart from the rest

With Multi-fund investment, you can save for your future while you have insurance with death cover and courtesy services. Enjoy the absolute freedom to make periodic payments and supplementary contributions and have the best information when investing.

Diversification

You will have eight funds available to you, among which you will be able to distribute your money freely based on your strategy and needs.

Flexibility

Make contributions freely both periodically and in addition to others, or modify your investment strategy whenever you wish.

Redemption

You will have your capital available, totally or partially, without any fees/commissions or penalties as of the first year.

Information

Our team of advisers always at your disposal to guide you and offer the option that best suits your needs.

Group

Group all the insurance policies available in the family unit in Occident, benefiting from numerous advantages.

Return and taxation of our multi-fund investment options

Performance

The investment can be made between the Occident funds of the policyholder's choice, with the freedom to modify the initial choice later.

The interest rate is not guaranteed and the contract is updated according to the performance of funds. Therefore, the holder bears the investment's financial risk.

Taxation

At the time of redemption, the returns obtained from the different options proposed are considered capital gains and are subject to the corresponding withholding.

If the insured party dies, the amounts payable to the beneficiary are subject to taxes on inheritances and donations. The amount varies depending on the relationship between the deceased person insured and the beneficiary.

Investment options

Investments are made in fixed income investment of national and international public and private issuers denominated in EUR, with an average duration of the portfolio less than two years. The asset value of this fund will not experience any significant fluctuations. Intended for investors who do not want to run risks. Currently, it invests in GCO Ahorro, FI, ISIN code: ES0138812039, information available at www.cnmv.es

Investments are made in fixed income investment of national and international public and private issuers denominated in EUR, with an average duration of the portfolio more than two years. Intended for investors who want to take on a minimum risk. Currently, it invests in GCO Renta Fija, FI, ISIN code: ES0138333036, information available at www.cnmv.es

This investment option invests up to 30% of its total exposure (portfolio) in equities and the rest in fixed income, in both cases national or international. With regard to fixed income, it will invest in national or international fixed-income assets, including demand deposits, from public or private issuers, denominated in euros. With regard to equities, distribution in terms of issuers/currencies/countries is not predetermined. Intended for investors who want to diversify part of their investment in equities without assuming a high risk.

Currently, it invests in GCO Mixto, FI, with the ISIN code: ES0138478039, information available at www.cnmv.es

This investment option invests up to 50% of its total exposure (portfolio) in equities and the rest in fixed income, in both cases national or international. With regard to fixed income, it will invest in national or international fixed-income assets, including demand deposits, from public or private issuers, denominated in euros. With regard to equities, distribution in terms of issuers/currencies/countries is not predetermined. Intended for investors who want to maximise their capital, without assuming excessive risk, based on diversification. Currently, it invests in GCO Global 50, FI, ISIN code: ES0138321031, information available at www.cnmv.es

At least 75% of the total exposure (portfolio) is invested in equities, and at least 90% in securities from Spanish issuers. National equity assets will focus on IBEX 35 shares. However, it may have a maximum of 10% of the exposure in equities in securities listed on organised markets in other OECD countries belonging to the euro zone. Intended for investors who intend to position themselves in the Spanish equities market, as well as assume the risk inherent to investing in the stock market.

Currently, it invests in the fund GCO Acciones, FI, with the ISIN code: ES0126906033, information available at www.cnmv.es

Fund in variable income assets issued by European companies. For those who want to position themselves in the European equity market and pursue a return higher than the DJ Eurostoxx50 index, knowing the risk involved in investing in the stock market.

Currently, it invests in GCO Eurobolsa, FI, with the ISIN code: ES0138437035, information available at www.cnmv.es

This investment option invests up to 100% of its total exposure (portfolio) in equities quoted in the United States in dollars, without predetermination as to their capitalisation. The possibility of investing in low capitalisation assets can negatively influence the liquidity of the fund. Exposure to currency risk will be greater than 30%. The fund can invest up to 100% in CIIs (including those of the group, ETF, SICAV or similar assets), in which prospectuses specify its investment vocation in the assets to which it has previously been referred. Currently, it invests in GCO Bolsa USA, FI, ISIN code: ES0141073009, information available at www.cnmv.es

This investment option invests up to 100% of its total exposure (portfolio) in national and international equities. Although there is no pre-established diversification of distribution percentages in terms of issuers/currencies/countries, it will be mainly targeted at issuers of high and/or medium market capitalization. Exposure to currency risk will be greater than 30%. Intended for investors who seek to diversify the risk inherent to exposure in international equities. Currently, it invests in GCO Internacional, FI, with the ISIN code: ES0138701034, information available at www.cnmv.es

Performance

Services included in Multi-fund Investment

Courtesy service

A lawyer when you need one most

Resolve any legal matter that may arise in your private or family life.

24 hours a day, 365 days a year.
No limit on consultations.
Social Security administration procedures and claims for Social Security benefits.

Go to Legal advice helpline

Courtesy service

A doctor at your disposal 24 hours a day

We put you in contact with a professional by telephone or video call to answer any health-related query you may have.

At any time of the day, wherever you are.
Immediate attention, with no waiting lists.

Go to Telephone medical advice

Multi-fund Investment

What sets Occident multi-fund investment apart from the rest

Diversification

Flexibility

Redemption

Information

Group

Return and taxation of our multi-fund investment options

Performance

Taxation

Performance

Taxation

Investment options

European money market

European fixed income

Senior mixed

50/50 global Mixed

Spanish variable income

European variable income

USA variable income

International variable income

Performance

Services included in Multi-fund Investment

Legal advice helpline

Telephone medical advice

A lawyer when you need one most

A doctor at your disposal 24 hours a day

Consult documentation

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