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NOVIS INSURANCE FUNDS

Investment objective of the Fund is to increase the value of investment over the level of inflation in long term by investing 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.

Fund can also invest into non-investment grade bonds as long as there is favourable ratio between expected yield and related risk. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. Assets other than bonds, bank deposits and other monetary instruments may form maximum 20 % of Fund portfolio. It is expected although not guaranteed, that this Fund shall experience lower volatility and relatively stable positive performance.

Fund invests across the sectors of economy and without geographical limitations. The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

NOVIS Fixed Income Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Invesco Bond Fund LU1775947762 39.14 % 0.00 % -0.77 % -0.30 %
Bank Deposits EUR Bank Deposits 20.00 % 0.00 % 0.00 % 0.00 %
UBS (Lux) Bond Fund - Euro High Yield (EUR) I-A1-acc LU0415181899 40.86 % 1.47 % 1.47 % 0.60 %
Total 100.00 % 0.30 %
Invesco Bond Fund
ISIN: LU1775947762
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 39.14 %
Weighted Fund Yield (EUR): -0.30 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 20.00 %
Weighted Fund Yield (EUR): 0.00 %
UBS (Lux) Bond Fund - Euro High Yield (EUR) I-A1-acc
ISIN: LU0415181899
Yield (Currency of underlying asset): 1.47 %
Yield (EUR): 1.47 %
Rate of Participation: 40.86 %
Weighted Fund Yield (EUR): 0.60 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.30 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January - 1.70
February - 0.56
March - -9.53
April - 5.55
May - 0.86
June - 1.62
July - -0.03
August - 0.30
September - -
October - -
November 0.83 -
December -0.26 -

Investment objective of the Fund is to increase the value of investment significantly over the level of inflation in long term by investing 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. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area.

Other assets may form maximum 20 % of Fund portfolio. 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 broad global diversification of assets. The aim of the Fund is to invest primarily into investment funds, which has lower costs ratio than the average costs of investment funds. Fund invests across the sectors of economy and without geographical limitations. The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends.

The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund. The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund may be influenced not only by the performance of the assets, but also by the currency exchange rates.

Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

NOVIS Global Select Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits EUR Bank Deposits 20.00 % 0.00 % 0.00 % 0.00 %
UBS LUX MD TRM BND EUR-IA 1AC FUND LU0441486411 15.71 % 0.05 % 0.05 % 0.01 %
Invesco Global Income Fund A EUR LU1097688714 23.78 % 1.59 % 1.59 % 0.38 %
UBS LUX INST-KEY GLB EQY-AAE FUND LU0155225690 40.51 % 4.36 % 4.36 % 1.76 %
Total 100.00 % 2.15 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 20.00 %
Weighted Fund Yield (EUR): 0.00 %
UBS LUX MD TRM BND EUR-IA 1AC FUND
ISIN: LU0441486411
Yield (Currency of underlying asset): 0.05 %
Yield (EUR): 0.05 %
Rate of Participation: 15.71 %
Weighted Fund Yield (EUR): 0.01 %
Invesco Global Income Fund A EUR
ISIN: LU1097688714
Yield (Currency of underlying asset): 1.59 %
Yield (EUR): 1.59 %
Rate of Participation: 23.78 %
Weighted Fund Yield (EUR): 0.38 %
UBS LUX INST-KEY GLB EQY-AAE FUND
ISIN: LU0155225690
Yield (Currency of underlying asset): 4.36 %
Yield (EUR): 4.36 %
Rate of Participation: 40.51 %
Weighted Fund Yield (EUR): 1.76 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 2.15 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January - 0.19
February - -4.44
March - -13.66
April - 9.87
May - 2.90
June - -0.27
July - 0.33
August - 2.15
September - -
October - -
November 1.52 -
December 1.04 -

Investment objective of the Fund is to increase the value of investment significantly over the level of inflation in long term by investing directly or indirectly into stocks or bonds of companies which comply with strict corporate governance, environmental and social criteria. Minimum required criteria are based on UN criteria for ESG investments.

Another aim of the Fund is to invest into companies which fulfils criteria for impact investments, while Fund uses the publicly available definitions of impact investments when deciding about the selection of securities. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. 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. Fund invests across the sectors of economy and without geographical limitations.

The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund may be influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

NOVIS Sustainability Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits EUR Bank Deposits 20.00 % 0.00 % 0.00 % 0.00 %
INVESCO Fds Inv Sust Alloc Fd A EUR Cap LU1701702372 16.79 % 4.60 % 4.60 % 0.77 %
UBS Global Sustainable Q-acc LU1240780160 63.21 % 5.53 % 4.72 % 2.98 %
Total 100.00 % 3.75 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 20.00 %
Weighted Fund Yield (EUR): 0.00 %
INVESCO Fds Inv Sust Alloc Fd A EUR Cap
ISIN: LU1701702372
Yield (Currency of underlying asset): 4.60 %
Yield (EUR): 4.60 %
Rate of Participation: 16.79 %
Weighted Fund Yield (EUR): 0.77 %
UBS Global Sustainable Q-acc
ISIN: LU1240780160
Yield (Currency of underlying asset): 5.53 %
Yield (EUR): 4.72 %
Rate of Participation: 63.21 %
Weighted Fund Yield (EUR): 2.98 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 3.75 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January - 0.98
February - -4.80
March - -11.21
April - 7.79
May - 2.30
June - 0.47
July - 0.24
August - 3.75
September - -
October - -
November 3.63 -
December 0.47 -

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.

Investment objective of the Fund is to achieve return of investment on the level of inflation in long term. The fund invests into government bonds of eurozone countries. Disregarding the investments performed by the Fund, we guarantee the value of the capital invested in this Fund as well as a monthly return until the end of the year based on the rate published on the website of Insurer before the end of the preceding calendar year. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. As the return for each year is guaranteed, the return on investment and the value of the investment are not directly dependent on the development of the underlying assets. The achieved yield of the underlying assets may influence the future value of guaranteed appreciation of the Fund. The Fund is denominated in EUR, as well as the underlying assets. The Fund does not monitor or copy any index and does not have a benchmark.

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 (EUR)
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 (EUR)
2018 2019 2020*
Yearly 3.66 3.66 3.66
*Annualized
 

Investment objective of the Fund is to achieve return of investment significantly over the level of inflation in long term by investing into equity exchange traded funds (equity ETFs) which focuses on companies from both developed and developing markets without limitation to certain sectors of economy. Equity ETFs are specific types of investment funds traded on stock exchanges which invests into shares of companies and whose investment objective is to copy the development of the selected stock index, its composition and hence the proportional share of the companies. The Fund itself does not monitor or copy any index and does not have a benchmark. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. T

he structure of the portfolio of the Fund is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund may be influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds.

Underlying assets of NOVIS ETF Shares Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
iShare MSCI EM - ACC (EUR) IE00B4L5YC18 14.72 % 3.83 % 3.83 % 0.56 %
iShare MSCI EM - ACC (USD) IE00B4L5YC18 0.32 % 5.10 % 4.29 % 0.01 %
iShare MSCI WORLD ETF (USD) US4642863926 64.96 % 6.75 % 5.92 % 3.85 %
Total 100.00 % 4.39 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
iShare MSCI EM - ACC (EUR)
ISIN: IE00B4L5YC18
Yield (Currency of underlying asset): 3.83 %
Yield (EUR): 3.83 %
Rate of Participation: 14.72 %
Weighted Fund Yield (EUR): 0.56 %
iShare MSCI EM - ACC (USD)
ISIN: IE00B4L5YC18
Yield (Currency of underlying asset): 5.10 %
Yield (EUR): 4.29 %
Rate of Participation: 0.32 %
Weighted Fund Yield (EUR): 0.01 %
iShare MSCI WORLD ETF (USD)
ISIN: US4642863926
Yield (Currency of underlying asset): 6.75 %
Yield (EUR): 5.92 %
Rate of Participation: 64.96 %
Weighted Fund Yield (EUR): 3.85 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 4.39 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 7.42 1.63
February 4.43 -7.04
March 2.11 -14.39
April 4.23 9.74
May -4.31 0.22
June 2.42 1.84
July 3.86 0.45
August -3.50 4.39
September 4.95 -
October 0.96 -
November 4.11 -
December 0.65 -
Performance for the last three years
(2017 - 2019)
EUR
31.81 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR
90.85 %
 

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term by investing into gold exchange traded funds (gold ETFs), whose change of value is linked to the change of price of gold. Fund itself cannot hold the physical gold or precious metals but its underlying assets invests into physical gold or precious metals. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

Underlying assets of NOVIS Gold Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
SPDR Gold Trust USD US78463V1070 80.00 % 0.34 % -0.43 % -0.34 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
Total 100.00 % -0.38 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
SPDR Gold Trust USD
ISIN: US78463V1070
Yield (Currency of underlying asset): 0.34 %
Yield (EUR): -0.43 %
Rate of Participation: 80.00 %
Weighted Fund Yield (EUR): -0.34 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): -0.38 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 2.66 5.81
February 0.63 4.43
March -0.66 -0.51
April -0.73 6.54
May 1.32 -2.34
June 6.97 2.47
July 3.70 3.07
August 8.66 -0.38
September -1.51 -
October -2.40 -
November -1.32 -
December 1.77 -
Performance for the last three years
(2017 - 2019)
EUR
21.41 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR
44.39 %
 

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term. The Fund focuses on investments in private equity or prospective companies and projects from both developed and developing markets without territorial limitation and without focusing on certain sectors of economy. Fund may include investments into projects contributing to the growth of economy and creation of employment in developing and emerging countries. For this purpose, the Fund invests into investment funds or into equity exchange traded funds (equity ETFs) replicating index of listed private equity companies. Main assets used in these funds are shares and corporate bonds. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark. 

Underlying assets of NOVIS Entrepreneurial Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
responsAbility Micro and SME Finance Fund II LU1050624516 32.51 % 0.09 % 0.09 % 0.03 %
iShares Euro High Yield Corporate Bond EUR (GF) IE00B66F4759 0.38 % 2.14 % 2.14 % 0.01 %
iShares Listed Private Equity UCITS ETF USD IE00B1TXHL60 28.79 % 2.65 % 2.65 % 0.76 %
ISHARES S&P LISTED PRIVATE USD (LN) IE00B1TXHL60 18.32 % 3.89 % 3.09 % 0.57 %
Total 100.00 % 1.33 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
responsAbility Micro and SME Finance Fund II
ISIN: LU1050624516
Yield (Currency of underlying asset): 0.09 %
Yield (EUR): 0.09 %
Rate of Participation: 32.51 %
Weighted Fund Yield (EUR): 0.03 %
iShares Euro High Yield Corporate Bond EUR (GF)
ISIN: IE00B66F4759
Yield (Currency of underlying asset): 2.14 %
Yield (EUR): 2.14 %
Rate of Participation: 0.38 %
Weighted Fund Yield (EUR): 0.01 %
iShares Listed Private Equity UCITS ETF USD
ISIN: IE00B1TXHL60
Yield (Currency of underlying asset): 2.65 %
Yield (EUR): 2.65 %
Rate of Participation: 28.79 %
Weighted Fund Yield (EUR): 0.76 %
ISHARES S&P LISTED PRIVATE USD (LN)
ISIN: IE00B1TXHL60
Yield (Currency of underlying asset): 3.89 %
Yield (EUR): 3.09 %
Rate of Participation: 18.32 %
Weighted Fund Yield (EUR): 0.57 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 1.33 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 7.35 2.38
February 4.44 -4.27
March 1.05 -12.87
April 6.16 6.47
May -2.66 0.77
June 1.73 -0.62
July 4.25 -0.75
August -1.04 1.33
September 4.75 -
October -0.57 -
November 3.41 -
December 1.07 -
Performance for the last three years
(2017 - 2019)
EUR
30.20 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR
76.29 %
 

Investment objective of the Fund is to achieve return of investment on the level of inflation in long term by investing in exchange traded funds (ETFs) that invest in secured bonds issued by financial institutions financing real estate sector, real estate funds corporate bonds dedicated to financing of real estate projects or mortgage bonds, without territorial limitation. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area.

The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

Underlying assets of NOVIS Mortgage Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
iShares Euro Covered Bond UCITS ETF IE00B3B8Q275 80.00 % -0.27 % -0.27 % -0.21 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
Total 100.00 % -0.25 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
iShares Euro Covered Bond UCITS ETF
ISIN: IE00B3B8Q275
Yield (Currency of underlying asset): -0.27 %
Yield (EUR): -0.27 %
Rate of Participation: 80.00 %
Weighted Fund Yield (EUR): -0.21 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): -0.25 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 0.20 0.93
February 0.47 0.62
March 1.03 -2.34
April -0.02 0.72
May 0.58 0.21
June 0.70 0.28
July 0.65 -0.11
August 1.23 -0.25
September -0.69 -
October -0.95 -
November 0.13 -
December -0.66 -
Performance for the last three years
(2017 - 2019)
EUR
3.04 %
Performance from the beginning
(01.01.2014-31.12.2019)
EUR
12.02 %
 

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term by investing in alternative investment funds, specifically Family office funds. These funds invest significantly in non-listed shares and bonds and a limited portion of investments may be allocated into various other assets (e.g. real estate property, works of art and collections or precious metals or gemstones). Fund may also invest into assets focused on stable growth for a long period of time. Fund has no geographical limitations or limitations by sector of economy. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

Underlying assets of NOVIS Family Office Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
ISHARES IBOXX H/Y CORP BOND FUND US4642885135 8.43 % 0.25 % -0.53 % -0.04 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
BP Family Office EUR THES LI0287824523 62.55 % 0.18 % 0.18 % 0.11 %
ISHARES EURO HY CORP BND (GY) EUR IE00B66F4759 9.01 % 2.19 % 2.19 % 0.20 %
Total 100.00 % 0.23 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
ISHARES IBOXX H/Y CORP BOND FUND
ISIN: US4642885135
Yield (Currency of underlying asset): 0.25 %
Yield (EUR): -0.53 %
Rate of Participation: 8.43 %
Weighted Fund Yield (EUR): -0.04 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
BP Family Office EUR THES
ISIN: LI0287824523
Yield (Currency of underlying asset): 0.18 %
Yield (EUR): 0.18 %
Rate of Participation: 62.55 %
Weighted Fund Yield (EUR): 0.11 %
ISHARES EURO HY CORP BND (GY) EUR
ISIN: IE00B66F4759
Yield (Currency of underlying asset): 2.19 %
Yield (EUR): 2.19 %
Rate of Participation: 9.01 %
Weighted Fund Yield (EUR): 0.20 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 0.23 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 0.38 0.37
February 0.00 -0.20
March 0.37 -1.95
April 0.79 1.44
May 0.78 0.51
June 0.44 0.09
July 0.00 -0.23
August 0.41 0.23
September 0.43 -
October 0.37 -
November 0.44 -
December 0.18 -
Performance for the last three years
(2017 - 2019)
EUR
15.33 %
Performance from the beginning
(01.10.2016-31.12.2019)
EUR
17.19 %
 

Investment objective of the Fund is to achieve return of investment significantly over the level of return in equity index in long term by investing into mixed investment funds focused on companies with high brand value, where the brand value has not been reflected so far in the increase of the price of their shares. Fund invests into one or all sub-funds of the umbrella “Wealth Fund”.

The sub-funds invest in securities and money market instruments that are approved or traded on regulated markets either in or outside of European Union and include shares, debentures, open ended investment funds subject to EU Directive (UCITS) and derivative equivalents across the sectors of economy and without geographical limitations. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

Underlying assets of NOVIS World Brands Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
H2Conservative Vermögensfreunde LU0939909940 18.30 % 2.94 % 2.94 % 0.54 %
H2Progressive Vermögensfreunde LU0939909783 20.66 % 7.43 % 7.43 % 1.54 %
Wealth Fund World Class Brands Vermögensfreunde Cap LU0939910286 41.04 % 7.81 % 7.81 % 3.21 %
Total 100.00 % 5.24 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
H2Conservative Vermögensfreunde
ISIN: LU0939909940
Yield (Currency of underlying asset): 2.94 %
Yield (EUR): 2.94 %
Rate of Participation: 18.30 %
Weighted Fund Yield (EUR): 0.54 %
H2Progressive Vermögensfreunde
ISIN: LU0939909783
Yield (Currency of underlying asset): 7.43 %
Yield (EUR): 7.43 %
Rate of Participation: 20.66 %
Weighted Fund Yield (EUR): 1.54 %
Wealth Fund World Class Brands Vermögensfreunde Cap
ISIN: LU0939910286
Yield (Currency of underlying asset): 7.81 %
Yield (EUR): 7.81 %
Rate of Participation: 41.04 %
Weighted Fund Yield (EUR): 3.21 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 5.24 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 2.95 3.12
February 0.89 -2.27
March 1.25 -15.18
April 3.40 5.53
May -2.13 3.27
June 0.41 0.80
July 2.82 2.47
August -2.78 5.24
September 1.09 -
October -0.91 -
November 2.49 -
December 1.07 -
Performance for the last three years
(2017 - 2019)
EUR
18.96 %
Performance from the beginning
(01.10.2016-31.12.2019)
EUR
19.29 %
 

Investment objective of the Fund is to achieve return of investment significantly over the level of inflation in long term by investing into investment funds or exchange traded funds focused on shares of companies which develop and provide computing capacity (so called cloud computing) or other technology companies, without geographical limitations. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions. T

he income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

Underlying assets of NOVIS Digital Assets Insurance Fund
Name of the underlying asset ISIN Rate of Participation Yield (Currency of underlying asset) Yield (EUR) Weighted Fund Yield (EUR)
Bank Deposits USD Bank Deposits 4.38 % 0.00 % -0.77 % -0.03 %
Bank Deposits EUR Bank Deposits 15.62 % 0.00 % 0.00 % 0.00 %
ETFMG PRIME CYBER SECURITY E FUND US26924G2012 29.53 % 2.49 % 1.70 % 0.50 %
FIRST TRUST CLOUD COMPUTING FUND US33734X1928 32.85 % 7.24 % 6.42 % 2.11 %
GLOBAL X FUTURE ANALYTICS TE FUND US37954Y6326 17.62 % 9.19 % 8.35 % 1.47 %
Total 100.00 % 4.05 %
Bank Deposits USD
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): -0.77 %
Rate of Participation: 4.38 %
Weighted Fund Yield (EUR): -0.03 %
Bank Deposits EUR
ISIN: Bank Deposits
Yield (Currency of underlying asset): 0.00 %
Yield (EUR): 0.00 %
Rate of Participation: 15.62 %
Weighted Fund Yield (EUR): 0.00 %
ETFMG PRIME CYBER SECURITY E FUND
ISIN: US26924G2012
Yield (Currency of underlying asset): 2.49 %
Yield (EUR): 1.70 %
Rate of Participation: 29.53 %
Weighted Fund Yield (EUR): 0.50 %
FIRST TRUST CLOUD COMPUTING FUND
ISIN: US33734X1928
Yield (Currency of underlying asset): 7.24 %
Yield (EUR): 6.42 %
Rate of Participation: 32.85 %
Weighted Fund Yield (EUR): 2.11 %
GLOBAL X FUTURE ANALYTICS TE FUND
ISIN: US37954Y6326
Yield (Currency of underlying asset): 9.19 %
Yield (EUR): 8.35 %
Rate of Participation: 17.62 %
Weighted Fund Yield (EUR): 1.47 %
Total
Rate of Participation: 100.00 %
Weighted Fund Yield (EUR): 4.05 %
Data as of 31. 08. 2020
Date range of graph: -
In Percentage Monthly performance of the insurance fund (EUR)
2019 2020
January 3.18 7.73
February 3.32 -7.42
March 1.27 -7.25
April 3.53 11.56
May -2.93 3.85
June -1.02 2.90
July 4.06 1.67
August -5.46 4.05
September 0.56 -
October 2.49 -
November 7.96 -
December -3.31 -
Performance for the last three years
(2017 - 2019)
EUR
127.29 %
Performance from the beginning
(01.05.2016-31.12.2019)
EUR
127.29 %
 

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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