Alpha Exelixis Capital Creation unit-linked plan

Capital creation

Receive the total amount of your investment account at plan maturity.

Life insurance

In case of loss of life, your legal beneficiaries receive an additional amount:

• €15,000, if you are 18-49 years old.
• €3,000, if you are 50-63 years old.

Full or partial early redemption

As of the 2nd insurance year, you can redeem part or the full current value of your investment account.

For the first years, a redemption fee applies:

• 20% – 2nd insurance year
• 15% – 3rd insurance year
• 10% – 4th insurance year

There is no redemption fee as of the 5th year.

Continuous updates

You receive updates on your investment account:

• Online, from your computer through myAlpha Web or your mobile through myAlpha Mobile.
• By post, at the end of each year from AlphaLife.
• At our branches, whenever you want.

Regular payments starting at €100

Adjust your savings according to your finances and personal planning. You can save:

• From €100 to €1,000
• Every 1, 3, 6 or 12 months

You pay the amount by standing order from your Alpha Bank account. You cannot make any extra payments.

After the 1st year and provided you have made all the payments, you can increase or decrease the amount, or change the payment frequency.

For 12 to 30 years

The Alpha Exelixis Capital Creation unit-linked plan has a long-term investment horizon.

You set a savings term between 12 and 30 years at the start of the plan. You cannot change the plan term afterwards.

Option to temporarily suspend payments

If you are having difficulties making payments, as of the 2nd insurance year you can temporarily suspend them.

To resume the plan, you simply make the last payment. In the meantime, the investment plan continues to yield returns, and its term does not change.

In select mutual funds

The plan invests in international mutual funds managed by Alpha Asset Management MFMC. Based on your preferences, you can choose between 2 plans:

• Alpha Exelixis – Invests in mutual funds of the Alpha (LUX) Global Funds range that meet environmental and social criteria (ESG).
• Alpha Exelixis II – Combines fixed income, balanced and equity funds.
  
   

3 investment strategies

Choose 1 of the predetermined mutual fund mix options based on your:

• Investment profile (conservative, balanced, aggressive)
• Financial needs
• Knowledge and experience

You fill in an investment questionnaire so we can determine your investment profile.

Option to change strategy

You can change your investment choice whenever you want.

The 1st change in every insurance year is free. For any subsequent changes, there is a fee equal to 0.50% of your investment account valuation, with a minimum of €10.

The Alpha Exelixis Capital Creation unit-linked plan is for you if you:

• Want to save regularly, to build capital for your future needs.
• Have a long-term investment horizon.
• Are willing to accept any investment fluctuations and aim at higher returns for the future.