NOVIS funds

NOVIS Fixed Income Insurance Fund (Fund) in a non-guaranteed fund. It invests directly or indirectly into government and corporate bonds with fixed interest, which forms majority of investments, while debt securities with floating interest may have minor share. It is expected although not guaranteed, that this Fund shall experience lower volatility and stable positive performance. 

NOVIS Fixed Income Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
UBS (Lux) Bond Fund - Euro High Yield (EUR) I-A1-acc LU0415181899 50.02 % 0.56 % 0.56 % -1.07 % 0.28 % -0.53 %
Invesco Bond Fund LU1775947762 49.98 % 1.17 % 2.84 % 1.17 % 1.42 % 0.59 %
Total 100.00 % 1.70 % 0.05 %
UBS (Lux) Bond Fund - Euro High Yield (EUR) I-A1-acc
ISIN: LU0415181899
Yield (Currency of underlying asset): 0.56 %
Yield (EUR): 0.56 %
Yield (USD): -1.07 %
Rate of Participation: 50.02 %
Weighted Fund Yield (EUR): 0.28 %
Weighted Fund Yield (USD): -0.53 %
Invesco Bond Fund
ISIN: LU1775947762
Yield (Currency of underlying asset): 1.17 %
Yield (EUR): 2.84 %
Yield (USD): 1.17 %
Rate of Participation: 49.98 %
Weighted Fund Yield (EUR): 1.42 %
Weighted Fund Yield (USD): 0.59 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 1.70 %
Weighted Fund Yield (USD): 0.05 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January - - 1.70 0.05
February - - - -
March - - - -
April - - - -
May - - - -
June - - - -
July - - - -
August - - - -
September - - - -
October - - - -
November 0.83 -0.72 - -
December -0.26 2.03 - -
Yearly
performance
2019 2020*
0.57 1.31 1.7 0.05
*Year to date

NOVIS Global Select Insurance Fund (Fund) is a non-guaranteed fund. It invests directly or indirectly into stocks listed on major stock exchanges worldwide, which forms majority of investments. Minor share may be invested into corporate or government bonds. It is expected although not guaranteed, that this Fund may have high performance due to large share of stocks but also bears higher risk of fluctuation of its value which is partly leveraged by investments into corporate and government bonds.

NOVIS Global Select Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
Invesco Global Income Fund A EUR LU1097688714 29.78 % -0.43 % -0.43 % -2.04 % -0.13 % -0.61 %
UBS LUX MD TRM BND EUR-IA 1AC FUND LU0441486411 20.00 % 0.30 % 0.30 % -1.32 % 0.06 % -0.26 %
UBS LUX INST-KEY GLB EQY-AAE FUND LU0155225690 50.23 % 0.52 % 0.52 % -1.11 % 0.26 % -0.56 %
Total 100.00 % 0.19 % -1.43 %
Invesco Global Income Fund A EUR
ISIN: LU1097688714
Yield (Currency of underlying asset): -0.43 %
Yield (EUR): -0.43 %
Yield (USD): -2.04 %
Rate of Participation: 29.78 %
Weighted Fund Yield (EUR): -0.13 %
Weighted Fund Yield (USD): -0.61 %
UBS LUX MD TRM BND EUR-IA 1AC FUND
ISIN: LU0441486411
Yield (Currency of underlying asset): 0.30 %
Yield (EUR): 0.30 %
Yield (USD): -1.32 %
Rate of Participation: 20.00 %
Weighted Fund Yield (EUR): 0.06 %
Weighted Fund Yield (USD): -0.26 %
UBS LUX INST-KEY GLB EQY-AAE FUND
ISIN: LU0155225690
Yield (Currency of underlying asset): 0.52 %
Yield (EUR): 0.52 %
Yield (USD): -1.11 %
Rate of Participation: 50.23 %
Weighted Fund Yield (EUR): 0.26 %
Weighted Fund Yield (USD): -0.56 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.19 %
Weighted Fund Yield (USD): -1.43 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January - - 0.19 -1.43
February - - - -
March - - - -
April - - - -
May - - - -
June - - - -
July - - - -
August - - - -
September - - - -
October - - - -
November 1.52 -0.04 - -
December 1.04 3.35 - -
Yearly
performance
2019 2020*
2.56 3.31 0.19 -1.43
*Year to date

NOVIS Sustainability Insurance Fund (Fund) in a non-guaranteed fund. It Invest directly or indirectly into stocks of companies which comply with strict corporate governance, environmental and social criteria. Fund´s aim is to include substantial share of impact investments. It is expected although not guaranteed, that this Fund may have high performance due to large share of stocks but also bears higher risk of fluctuation of its value due to lower diversification which is caused by focus on specific type of assets.

NOVIS Sustainability Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
INVESCO Fds Inv Sust Alloc Fd A EUR Cap LU1701702372 50.00 % 0.57 % 0.57 % -1.06 % 0.28 % -0.53 %
UBS Global Sustainable Q-acc LU1240780160 50.00 % -0.26 % 1.39 % -0.26 % 0.69 % -0.13 %
Total 100.00 % 0.98 % -0.66 %
INVESCO Fds Inv Sust Alloc Fd A EUR Cap
ISIN: LU1701702372
Yield (Currency of underlying asset): 0.57 %
Yield (EUR): 0.57 %
Yield (USD): -1.06 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 0.28 %
Weighted Fund Yield (USD): -0.53 %
UBS Global Sustainable Q-acc
ISIN: LU1240780160
Yield (Currency of underlying asset): -0.26 %
Yield (EUR): 1.39 %
Yield (USD): -0.26 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 0.69 %
Weighted Fund Yield (USD): -0.13 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.98 %
Weighted Fund Yield (USD): -0.66 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January - - 0.98 -0.66
February - - - -
March - - - -
April - - - -
May - - - -
June - - - -
July - - - -
August - - - -
September - - - -
October - - - -
November 3.63 2.03 - -
December 0.47 2.78 - -
Yearly
performance
2019 2020*
4.1 4.81 0.98 -0.66
*Year to date

The fund provides a one hundred percent capital guarantee during the entire life of the insurance contract. Moreover, the NOVIS Guaranteed Growth Insurance Fund includes a positive monthly investment return, which will be published on NOVIS’ website on the 31st of December for the following calendar year.

Since the fund’s inception in 2014 up through 2019, the guaranteed and attributed investment return to Slovak clients was 0.3% per month (p.m.), representing 3.66% per year (p.a.). The annual investment return was positively influenced by compound interest, as the assessment was made on a monthly basis.

The currency of the fund is the Euro.

The Board of Directors of NOVIS Insurance Company, NOVIS Versicherungsgesellschaft, NOVIS Compagnia di Assicurazioni, NOVIS Poisťovňa a.s., approved a 2020 guaranteed investment rate of return of 0.3% p.m. for the NOVIS Guaranteed Growth Insurance Fund for clients from Slovakia, the Czech Republic, Germany, Austria, Italy and Iceland and a rate of 0.33% p.m. for clients from Poland and Hungary.

The investment rate of return for the guaranteed fund can be agreed at a different level for certain groups of clients. In such cases, the investment rate of return will be stated directly on the insurance contract or in the General Terms and Conditions for the insurance. Such an agreement is possible only if the clients fulfill the additional criteria defined in the insurance contract.

Investment return for 2019 is annualized.
In Percentage Monthly performance of the insurance fund
2018 2019 2020
January 0.30 0.30 0.30
February 0.30 0.30 0.30
March 0.30 0.30 0.30
April 0.30 0.30 0.30
May 0.30 0.30 0.30
June 0.30 0.30 0.30
July 0.30 0.30 0.30
August 0.30 0.30 0.30
September 0.30 0.30 0.30
October 0.30 0.30 0.30
November 0.30 0.30 0.30
December 0.30 0.30 0.30
In Percentage Monthly performance of the insurance fund
2018 2019 2020*
Yearly 3.66 3.66 3.66
*Annualized
 

We invest the resources of this fund into stock ETFs (Exchange Trade Funds), which are particular types of funds traded on stock markets whose investment objective is to replicate a benchmark stock index.

Underlying assets of NOVIS ETF Shares Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
iShare MSCI EM - ACC (USD) IE00B4L5YC18 0.32 % -5.00 % -3.44 % -5.00 % -0.01 % -0.02 %
iShare MSCI EM - ACC (EUR) IE00B4L5YC18 19.22 % -3.18 % -3.18 % -4.75 % -0.61 % -0.91 %
iShare MSCI WORLD (USD) ETF US4642863926 80.46 % 1.13 % 2.79 % 1.13 % 2.25 % 0.91 %
Total 100.00 % 1.63 % -0.02 %
iShare MSCI EM - ACC (USD)
ISIN: IE00B4L5YC18
Yield (Currency of underlying asset): -5.00 %
Yield (EUR): -3.44 %
Yield (USD): -5.00 %
Rate of Participation: 0.32 %
Weighted Fund Yield (EUR): -0.01 %
Weighted Fund Yield (USD): -0.02 %
iShare MSCI EM - ACC (EUR)
ISIN: IE00B4L5YC18
Yield (Currency of underlying asset): -3.18 %
Yield (EUR): -3.18 %
Yield (USD): -4.75 %
Rate of Participation: 19.22 %
Weighted Fund Yield (EUR): -0.61 %
Weighted Fund Yield (USD): -0.91 %
iShare MSCI WORLD (USD) ETF
ISIN: US4642863926
Yield (Currency of underlying asset): 1.13 %
Yield (EUR): 2.79 %
Yield (USD): 1.13 %
Rate of Participation: 80.46 %
Weighted Fund Yield (EUR): 2.25 %
Weighted Fund Yield (USD): 0.91 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 1.63 %
Weighted Fund Yield (USD): -0.02 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 7.42 7.77 1.63 -0.02
February 4.43 3.77 - -
March 2.11 0.49 - -
April 4.23 4.07 - -
May -4.31 -4.88 - -
June 2.42 4.52 - -
July 3.86 1.77 - -
August -3.50 -4.50 - -
September 4.95 3.56 - -
October 0.96 3.42 - -
November 4.10 2.50 - -
December 0.65 2.96 - -
Yearly
performance
2019 2020*
27.32 25.45 1.63 -0.02
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
31.81 % 8.10 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR USD
90.85 % 8.10 %
 

We invest the resources of this fund into gold ETFs (Exchange Traded Funds) copying the changes in the price of gold although we do not invest in physical gold or other precious metals. Although the underlying assets of this fund can invest in physical gold.

Underlying assets of NOVIS Gold Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
SPDR Gold Trust USD US78463V1070 100.00 % 4.09 % 5.81 % 4.09 % 5.81 % 4.09 %
Total 100.00 % 5.81 % 4.09 %
SPDR Gold Trust USD
ISIN: US78463V1070
Yield (Currency of underlying asset): 4.09 %
Yield (EUR): 5.81 %
Yield (USD): 4.09 %
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 5.81 %
Weighted Fund Yield (USD): 4.09 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 5.81 %
Weighted Fund Yield (USD): 4.09 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 2.66 3.00 5.81 4.09
February 0.63 0.00 - -
March -0.66 -2.24 - -
April -0.73 -0.88 - -
May 1.32 0.71 - -
June 6.97 9.16 - -
July 3.70 1.61 - -
August 8.66 7.54 - -
September -1.51 -2.82 - -
October -2.40 -0.03 - -
November -1.32 -2.84 - -
December 1.77 4.10 - -
Yearly
performance
2019 2020*
19.07 17.32 5.81 4.09
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
21.41 % 12.48 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR USD
44.39 % 12.48 %
 

NOVIS will in the future support promising companies from the means of this fund in the form of participating in their share capital or in the form of equity financing. Policyholders would benefit directly from the growth of the value of these companies, by investing their financial means in a way that is similar to private equity investors. At the moment, we invest in ETFs (Exchange Traded Funds) replicating indices of listed private equity companies or in funds supporting investments in less developed parts of the world.

Underlying assets of NOVIS Entrepreneurial Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
iShares Euro High Yield Corporate Bond UCITS ETF (EUR) IE00B66F4759 0.38 % -0.40 % -0.40 % -2.02 % 0.00 % -0.01 %
responsAbility Micro and SME Finance Fund II LU1050624516 31.25 % -0.02 % -0.02 % -1.64 % -0.01 % -0.51 %
iShares Listed Private Equity UCITS ETF USD IE00B1TXHL60 68.37 % 3.49 % 3.49 % 1.81 % 2.39 % 1.24 %
Total 100.00 % 2.38 % 0.72 %
iShares Euro High Yield Corporate Bond UCITS ETF (EUR)
ISIN: IE00B66F4759
Yield (Currency of underlying asset): -0.40 %
Yield (EUR): -0.40 %
Yield (USD): -2.02 %
Rate of Participation: 0.38 %
Weighted Fund Yield (EUR): 0.00 %
Weighted Fund Yield (USD): -0.01 %
responsAbility Micro and SME Finance Fund II
ISIN: LU1050624516
Yield (Currency of underlying asset): -0.02 %
Yield (EUR): -0.02 %
Yield (USD): -1.64 %
Rate of Participation: 31.25 %
Weighted Fund Yield (EUR): -0.01 %
Weighted Fund Yield (USD): -0.51 %
iShares Listed Private Equity UCITS ETF USD
ISIN: IE00B1TXHL60
Yield (Currency of underlying asset): 3.49 %
Yield (EUR): 3.49 %
Yield (USD): 1.81 %
Rate of Participation: 68.37 %
Weighted Fund Yield (EUR): 2.39 %
Weighted Fund Yield (USD): 1.24 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 2.38 %
Weighted Fund Yield (USD): 0.72 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 7.35 7.70 2.38 0.72
February 4.44 3.79 - -
March 1.05 -0.55 - -
April 6.16 6.00 - -
May -2.66 -3.24 - -
June 1.73 3.81 - -
July 4.25 2.15 - -
August -1.04 -2.06 - -
September 4.75 3.36 - -
October -0.57 1.85 - -
November 3.41 1.81 - -
December 1.07 3.39 - -
Yearly
performance
2019 2020*
29.93 28.01 2.38 0.72
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
30.20 % 9.31 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR USD
76.29 % 9.31 %
 

We invest the resources of this fund primarily in financial instruments linked with the real estate sector such as ETFs (Exchange Traded Funds) investing in covered bonds issued by financial institutions financing the real estate sector, real estate funds, corporate bonds dedicated to financing of real estate projects, mortgage bonds and in other financial instruments which are secured by loans or the value of which applies to real estate development.

Underlying assets of NOVIS Mortgage Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
Dlhopisy HB REAVIS 2020 SK4120010554 1.16 % -0.16 % -0.16 % -1.78 % 0.00 % -0.02 %
iShares Euro Covered Bond UCITS ETF IE00B3B8Q275 98.84 % 0.94 % 0.94 % -0.70 % 0.93 % -0.69 %
Total 100.00 % 0.93 % -0.71 %
Dlhopisy HB REAVIS 2020
ISIN: SK4120010554
Yield (Currency of underlying asset): -0.16 %
Yield (EUR): -0.16 %
Yield (USD): -1.78 %
Rate of Participation: 1.16 %
Weighted Fund Yield (EUR): 0.00 %
Weighted Fund Yield (USD): -0.02 %
iShares Euro Covered Bond UCITS ETF
ISIN: IE00B3B8Q275
Yield (Currency of underlying asset): 0.94 %
Yield (EUR): 0.94 %
Yield (USD): -0.70 %
Rate of Participation: 98.84 %
Weighted Fund Yield (EUR): 0.93 %
Weighted Fund Yield (USD): -0.69 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.93 %
Weighted Fund Yield (USD): -0.71 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 0.20 0.53 0.93 -0.71
February 0.47 -0.16 - -
March 1.03 -0.57 - -
April -0.02 -0.17 - -
May 0.58 -0.02 - -
June 0.70 2.76 - -
July 0.65 -1.38 - -
August 1.23 0.19 - -
September -0.69 -2.01 - -
October -0.95 1.46 - -
November 0.13 -1.42 - -
December -0.66 1.62 - -
Yearly
performance
2019 2020*
2.67 0.84 0.93 -0.71
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
3.04 % -6.48 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR USD
12.02 % -6.48 %
 

We invest the resources of this fund into one or several Family Office Funds. Family Office funds are alternative investment funds for qualified investors that may significantly invest in non-listed financial instruments and various assets. Family Office Funds have a long-term tendency to grow but may experience a fall (depreciation in value) during a short to a medium time period. In addition, it is possible to invest in investment tools which have their investment policy oriented toward long-term and stable value growth (for example the investment policies of private universities in the USA).

Underlying assets of NOVIS Family Office Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
ISHARESO HY CORP BND (GY) EUR IE00B66F4759 10.29 % -0.29 % -0.29 % -1.91 % -0.03 % -0.20 %
BP Family Office Brand LI0287824523 79.52 % 0.25 % 0.25 % -1.37 % 0.20 % -1.09 %
ISHARES IBOXX H/Y CORP BOND FUND US4642885135 10.20 % 0.28 % 1.93 % 0.28 % 0.20 % 0.03 %
Total 100.00 % 0.37 % -1.26 %
ISHARESO HY CORP BND (GY) EUR
ISIN: IE00B66F4759
Yield (Currency of underlying asset): -0.29 %
Yield (EUR): -0.29 %
Yield (USD): -1.91 %
Rate of Participation: 10.29 %
Weighted Fund Yield (EUR): -0.03 %
Weighted Fund Yield (USD): -0.20 %
BP Family Office Brand
ISIN: LI0287824523
Yield (Currency of underlying asset): 0.25 %
Yield (EUR): 0.25 %
Yield (USD): -1.37 %
Rate of Participation: 79.52 %
Weighted Fund Yield (EUR): 0.20 %
Weighted Fund Yield (USD): -1.09 %
ISHARES IBOXX H/Y CORP BOND FUND
ISIN: US4642885135
Yield (Currency of underlying asset): 0.28 %
Yield (EUR): 1.93 %
Yield (USD): 0.28 %
Rate of Participation: 10.20 %
Weighted Fund Yield (EUR): 0.20 %
Weighted Fund Yield (USD): 0.03 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.37 %
Weighted Fund Yield (USD): -1.26 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 0.38 0.71 0.37 -1.26
February 0.00 -0.63 - -
March 0.37 -1.22 - -
April 0.79 0.64 - -
May 0.78 0.18 - -
June 0.44 2.50 - -
July 0.00 -2.01 - -
August 0.41 -0.63 - -
September 0.43 -0.90 - -
October 0.37 2.81 - -
November 0.44 -1.11 - -
December 0.18 2.48 - -
Yearly
performance
2019 2020*
4.6 2.83 0.37 -1.26
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
15.33 % -2.02 %
Performance from the beginning
(01.10.2016-31.12.2019)
EUR USD
17.19 % -2.02 %
 

We invest the assets of this insurance fund mainly into shares of the investment fund called Wealth Fund introduced by Mahrberg Wealth AG. The Wealth Fund is a Luxembourg investment fund with several sub-funds. The goal of the investment policy of this insurance fund is to earn an investment return above the return that can be achieved by investing in an equity index.

Underlying assets of NOVIS World Brands Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
H2Conservative Vermögensfreunde LU0939909940 24.58 % 1.44 % 1.44 % -0.21 % 0.35 % -0.05 %
H2Progressive Vermögensfreunde LU0939909783 24.39 % 3.60 % 3.60 % 1.92 % 0.88 % 0.47 %
Wealth Fund World Class Brands Vermögensfreunde Cap LU0939910286 51.02 % 3.71 % 3.71 % 2.03 % 1.89 % 1.03 %
Total 100.00 % 3.12 % 1.45 %
H2Conservative Vermögensfreunde
ISIN: LU0939909940
Yield (Currency of underlying asset): 1.44 %
Yield (EUR): 1.44 %
Yield (USD): -0.21 %
Rate of Participation: 24.58 %
Weighted Fund Yield (EUR): 0.35 %
Weighted Fund Yield (USD): -0.05 %
H2Progressive Vermögensfreunde
ISIN: LU0939909783
Yield (Currency of underlying asset): 3.60 %
Yield (EUR): 3.60 %
Yield (USD): 1.92 %
Rate of Participation: 24.39 %
Weighted Fund Yield (EUR): 0.88 %
Weighted Fund Yield (USD): 0.47 %
Wealth Fund World Class Brands Vermögensfreunde Cap
ISIN: LU0939910286
Yield (Currency of underlying asset): 3.71 %
Yield (EUR): 3.71 %
Yield (USD): 2.03 %
Rate of Participation: 51.02 %
Weighted Fund Yield (EUR): 1.89 %
Weighted Fund Yield (USD): 1.03 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 3.12 %
Weighted Fund Yield (USD): 1.45 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 2.95 3.29 3.12 1.45
February 0.89 0.25 - -
March 1.25 -0.35 - -
April 3.40 3.24 - -
May -2.13 -2.71 - -
June 0.41 2.47 - -
July 2.82 0.75 - -
August -2.78 -3.79 - -
September 1.09 -0.26 - -
October -0.91 1.50 - -
November 2.49 0.91 - -
December 1.07 3.39 - -
Yearly
performance
2019 2020*
10.54 8.69 3.12 1.45
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
18.96 % -14.42 %
Performance from the beginning
(01.10.2016-31.12.2019)
EUR USD
19.29 % -14.42 %
 

We invest the assets of this fund into alternative investment funds focused mainly on arbitrage trading and providing of computing capacity.

Underlying assets of NOVIS Digital Assets Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
ETFMG PRIMR CYBER SECURITY E FUND US26924G2012 38.67 % 4.25 % 5.96 % 4.25 % 2.31 % 1.64 %
GLOBAL X FUTURE ANALYTCS TE FUND US37954Y6326 21.37 % 5.05 % 6.78 % 5.05 % 1.45 % 1.08 %
FIRST TRUST CLOUD COMPUTING FUND US33734X1928 39.95 % 8.18 % 9.96 % 8.18 % 3.98 % 3.27 %
Total 100.00 % 7.73 % 5.99 %
ETFMG PRIMR CYBER SECURITY E FUND
ISIN: US26924G2012
Yield (Currency of underlying asset): 4.25 %
Yield (EUR): 5.96 %
Yield (USD): 4.25 %
Rate of Participation: 38.67 %
Weighted Fund Yield (EUR): 2.31 %
Weighted Fund Yield (USD): 1.64 %
GLOBAL X FUTURE ANALYTCS TE FUND
ISIN: US37954Y6326
Yield (Currency of underlying asset): 5.05 %
Yield (EUR): 6.78 %
Yield (USD): 5.05 %
Rate of Participation: 21.37 %
Weighted Fund Yield (EUR): 1.45 %
Weighted Fund Yield (USD): 1.08 %
FIRST TRUST CLOUD COMPUTING FUND
ISIN: US33734X1928
Yield (Currency of underlying asset): 8.18 %
Yield (EUR): 9.96 %
Yield (USD): 8.18 %
Rate of Participation: 39.95 %
Weighted Fund Yield (EUR): 3.98 %
Weighted Fund Yield (USD): 3.27 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 7.73 %
Weighted Fund Yield (USD): 5.99 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 3.18 3.52 7.73 5.99
February 3.32 2.67 - -
March 1.27 -0.33 - -
April 3.53 3.37 - -
May -2.93 -3.51 - -
June -1.02 1.01 - -
July 4.06 1.96 - -
August -5.46 -6.43 - -
September 0.56 -0.78 - -
October 2.49 4.99 - -
November 7.96 6.29 - -
December -3.31 -1.09 - -
Yearly
performance
2019 2020*
13.65 11.67 7.73 5.99
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
127.29 % 44.08 %
Performance from the beginning
(01.05.2016-31.12.2019)
EUR USD
127.29 % 44.08 %
 

NOVIS Security-Oriented Insurance Fund is a non-guaranteed fund. This fund mainly utilizes bonds as the underlying asset and is designed for conservative investments.

Underlying assets of NOVIS Security-Oriented Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
Wealth Fund – H2Time4Life LU0939910013 50.00 % 0.35 % 0.35 % -1.28 % 0.17 % -0.64 %
H2Conservative Vermögensfreunde LU0939909940 50.00 % 1.44 % 1.44 % -0.21 % 0.72 % -0.10 %
Total 100.00 % 0.89 % -0.74 %
Wealth Fund – H2Time4Life
ISIN: LU0939910013
Yield (Currency of underlying asset): 0.35 %
Yield (EUR): 0.35 %
Yield (USD): -1.28 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 0.17 %
Weighted Fund Yield (USD): -0.64 %
H2Conservative Vermögensfreunde
ISIN: LU0939909940
Yield (Currency of underlying asset): 1.44 %
Yield (EUR): 1.44 %
Yield (USD): -0.21 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 0.72 %
Weighted Fund Yield (USD): -0.10 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.89 %
Weighted Fund Yield (USD): -0.74 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 1.94 2.28 0.89 -0.74
February -1.39 -2.00 - -
March 1.04 -0.56 - -
April 2.02 1.86 - -
May -0.02 -0.62 - -
June 0.45 2.51 - -
July 1.14 -0.89 - -
August -0.40 -1.43 - -
September 0.28 -1.06 - -
October -1.41 0.99 - -
November 0.64 -0.92 - -
December 0.32 2.62 - -
Yearly
performance
2019 2020*
4.58 2.77 0.89 -0.74
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
-3.59 % -13.34 %
Performance from the beginning
(01.10.2017-31.12.2019)
EUR USD
-3.59 % -13.34 %
 

NOVIS Balanced Insurance Fund is a non-guaranteed fund. This fund is a balanced, mixed fund for medium to long-term investors.

Underlying assets of NOVIS Balanced Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
H2Conservative Vermögensfreunde LU0939909940 50.00 % 1.44 % 1.44 % -0.21 % 0.72 % -0.10 %
Wealth Fund World Class Brands Vermögensfreunde Cap LU0939910286 50.00 % 3.71 % 3.71 % 2.03 % 1.85 % 1.01 %
Total 100.00 % 2.57 % 0.91 %
H2Conservative Vermögensfreunde
ISIN: LU0939909940
Yield (Currency of underlying asset): 1.44 %
Yield (EUR): 1.44 %
Yield (USD): -0.21 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 0.72 %
Weighted Fund Yield (USD): -0.10 %
Wealth Fund World Class Brands Vermögensfreunde Cap
ISIN: LU0939910286
Yield (Currency of underlying asset): 3.71 %
Yield (EUR): 3.71 %
Yield (USD): 2.03 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 1.85 %
Weighted Fund Yield (USD): 1.01 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 2.57 %
Weighted Fund Yield (USD): 0.91 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 2.81 3.15 2.57 0.91
February 0.46 -0.17 - -
March 1.28 -0.33 - -
April 2.96 2.80 - -
May -1.62 -2.20 - -
June 0.48 2.54 - -
July 2.33 0.27 - -
August -2.23 -3.23 - -
September 0.84 -0.50 - -
October -0.82 1.59 - -
November 1.84 0.27 - -
December 0.84 3.15 - -
Yearly
performance
2019 2020*
9.17 7.34 2.57 0.91
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
0.00 % -13.64 %
Performance from the beginning
(01.10.2017-31.12.2019)
EUR USD
0.00 % -13.64 %
 

NOVIS Performance-Oriented Insurance Fund is a non-guaranteed fund. It is a progressive wealth-building fund with a focus on high profile, brand name global companies´ shares.

Underlying assets of NOVIS Performance-Oriented Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Yield (USD) Weighted Fund Yield (EUR) Weighted Fund Yield (USD)
H2Progressive Vermögensfreunde LU0939909783 50.00 % 3.60 % 3.60 % 1.92 % 1.80 % 0.96 %
Wealth Fund World Class Brands Vermögensfreunde Cap LU0939910286 50.00 % 3.71 % 3.71 % 2.03 % 1.85 % 1.01 %
Total 100.00 % 3.65 % 1.97 %
H2Progressive Vermögensfreunde
ISIN: LU0939909783
Yield (Currency of underlying asset): 3.60 %
Yield (EUR): 3.60 %
Yield (USD): 1.92 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 1.80 %
Weighted Fund Yield (USD): 0.96 %
Wealth Fund World Class Brands Vermögensfreunde Cap
ISIN: LU0939910286
Yield (Currency of underlying asset): 3.71 %
Yield (EUR): 3.71 %
Yield (USD): 2.03 %
Rate of Participation: 50.00 %
Weighted Fund Yield (EUR): 1.85 %
Weighted Fund Yield (USD): 1.01 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 3.65 %
Weighted Fund Yield (USD): 1.97 %
Data as of 31. 01. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund
2019 2020
EUR USD EUR USD
January 3.09 3.43 3.65 1.97
February 1.31 0.68 - -
March 1.23 -0.37 - -
April 3.84 3.68 - -
May -2.63 -3.22 - -
June 0.34 2.40 - -
July 3.31 1.24 - -
August -3.38 -4.38 - -
September 1.34 -0.01 - -
October -1.02 1.39 - -
November 3.14 1.55 - -
December 1.31 3.63 - -
Yearly
performance
2019 2020*
11.88 10.02 3.65 1.97
*Year to date
Performance for the last three years
(2017 - 2019)
EUR USD
0.36 % -15.25 %
Performance from the beginning
(01.10.2017-31.12.2019)
EUR USD
0.36 % -15.25 %
 

Investment risk is borne by the client unless otherwise stated for a particular fund. Past performance is no guarantee of the future performance of your investment.

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