Taking into consideration the present difficult situation on world-wide stock markets and the risks involved, FWU has developed "Safe Invest Plus", a new guaranteed product constituting one of the investment strategies for unit-linked life assurance. It has been available to clients since October 29, 2001.

The global orientation of this product is ensured by the world's three major stock indexes, together reflecting 94% of the world-wide market value of listed stocks. For a fixed term of 12 years (October 2001 – October 2013), investors have a 100% participation in the average value development – annually determined and recorded – of the indexes:

The average value of the indexes is calculated at the end of the 12 years, i.e. retrospectively, using the annual figures, which each make up 1/12 of the final result.

The great thing is – the value development of the three indexes is weighted at the end of the 12 years to optimise investors' success opportunities, by using the following method
 

At the same time, "Safe Invest Plus" guarantees a redemption price of 146.78% when it matures in 2013, corresponding to a guaranteed interest rate of 3.25% per year. Moreover, investors are guaranteed repayment of their invested capital at the end of the term.

This investment strategy is managed by JP Morgan International, London (AAA rating). The guaranteeing bank for capital and guaranteed interest rate is Hamburgische Landesbank (AA rating).

For investors, the minimum amount for this investment strategy is as little as € 2,250 as part of unit-linked life assurance. Instead of an issuing markup, a price reduction of 2.5% is offered when investors subscribe.

Calculation example