Creand Indexed Retirement Plan
The Creand Indexed Retirement Plan is designed for individuals who wish to make their savings grow by investing in leading international market indices.
Characteristics
This insurance-based savings plan is aimed at those who want to build up savings for their retirement. It allows you to generate additional income to complement your CASS pension, by investing in high-quality, reputable international exchange-traded funds (ETFs).
- Your savings grow through regular, easy-to-manage contributions (monthly, quarterly, half-yearly or annual) and occasional one-off contributions.
- It offers great flexibility, allowing you to adjust, modify or suspend your regular contributions at any time.1.
- In addition, the plan includes life cover of up to €10,000.
- The product invests in sustainable companies. According to data from Clarity AI, this product demonstrates a reduction in CO₂ emissions compared with its benchmark.
1 From the first year onwards, if the accumulated value of the policy is below €600, the insurer will automatically terminate the policy.
Advantages
- Transparency and efficiency: the product invests in investment funds that track recognised stock market indices, harnessing the efficiency of the market.
- Dual protection: with life cover of up to €10,000 and an optional additional benefit for death or disability (chosen by the client), this product provides policyholders with protection for their loved ones.
- Creand’s solvency: We highlight the Group’s leadership and solvency at a national level, providing clients with additional confidence in the product’s security and stability.
Redemption
- The product may be redeemed at any time, subject to a 1% penalty on the amount redeemed.
- The redemption value corresponds to the accumulated fund value at the time the redemption request is made.
- During the 5 years prior to maturity, the redeemed capital will not be subject to any penalty.
Fund-based product – policyholder’s risk
Under this savings life insurance plan, the policyholder bears the investment risk. None of the three investment options offered under the Creand Indexed Retirement Plan provides a guaranteed capital or interest. Accordingly, the amount payable depends on fluctuations in the financial markets, which are beyond the control of CREDIT ASSEGURANCES SAU, and the company does not guarantee any minimum return. Past performance is not an indicator of future results.
FAQ
If you have questions about our products, take a look at the answers to frequently asked questions in this section.
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