Organize your financial planning in a smart way, combining savings and investments, with the aim of creating a capital for your future needs. Upon starting your program, two different accounts are created. A savings account with guaranteed returns and an investment account with the possibility of high returns. You decide the ratio of premium distribution between the two accounts according to your investment profile and your future goals, having the option to change it whenever you wish and up to 2 times per year free of charge.

The program provides you with a guaranteed interest rate for the balance of your savings account on an annual basis. In case of achieving an outperformance in your account above the guaranteed interest rate, the possibility of participating in it is provided. In addition, for the new money introduced annually into the account, a guarantee against negative returns is provided and the possibility of participating in positive returns.

Leverage the money you have in your investment account with the power of MEAG, one of the world’s leading asset management companies and a member of the Munich Re group, with over 140 years of experience. MEAG offers mutual funds with investment strategies in all categories, combining high expertise and deep knowledge of global capital markets, to ensure the growth of your money with consistency and reliability.

In the event of loss of life or permanent total disability due to an accident, insurance and protection continues to be offered to you and your family without any financial burden with the coverage of the premium payment exemption available in the program.

FutureCapital in collaboration with ERGO Insurance offers you a guaranteed return every year for the savings component, providing certainty and security for your future. Thus, you can plan your next plans with guaranteed results.

By investing in high-quality mutual funds, you can achieve higher returns and maximize your profits, depending on your investment profile, markets and your chosen strategy.

You choose the frequency and the amount you want to pay for savings and investments. The premiums for the savings and investment components are distinct, giving you the opportunity to save and invest according to your own capabilities and needs.

The program adapts to changing market conditions, allowing you to strategically manage your funds and transfer amounts between the savings and investment accounts according to market trends. This way, you ensure the protection and growth of your finances with security.

The program offers the possibility of suspending regular premium payments for up to two years, restarting the program without the obligation to pay the due payments.

In addition to the regular payments you make every year, you can strengthen your investment whenever you wish and enjoy increased returns, adapting your plan to market developments.

Easily monitor your coverages, the current value of your accounts, returns and view your transaction history at any time – all in one place from wherever you are 24/7!