GENERALI Flexible Selection Fund
A solution for investing your savings in line with your profile, whether you already have capital available or want to start with regular monthly contributions.
Your savings could amount to strategy
Not everyone starts from the same point. Some already have capital set aside. Others prefer to build up their savings bit by bit. The important thing is to choose an option that suits your circumstances.
I’ve already saved up some money
You can take it a step further and assess an investment strategy based on your profile, your time horizon and the level of risk you are prepared to take.
- For money you don’t need to use straight away.
- It allows you to work with different investment options.
- Focused on the long term, not on improvising.
I want to start on a month-by-month basis
You don’t need to wait until you have a large amount. Regular contributions can help you develop discipline and build up your savings in a more deliberate way.
- Ideal for getting into the habit of saving.
- Option to make regular contributions.
- It also allows for one-off contributions.
A savings-linked life insurance policy tied to investment funds
GENERALI FondoSelección Flexible is a unit-linked life insurance policy that combines savings and investment. Premiums are invested in selected investment funds, and the value of the policy depends on the performance of those funds.
To put it simply: it is neither a deposit nor an interest-bearing account. It is a tool for investing using a flexible strategy, with indicative profiles and professional guidance.
Designed to help you save and invest with more discretion
The key is not to invest just because it’s fashionable. The key is to understand your situation, choose a sensible strategy and check whether it fits with your goals.
It allows you to make regular or one-off contributions, or a combination of both.
Conservative, Moderate and Determined as a starting point for developing a strategy.
Access to fixed-income, multi-asset, equity and alternative funds, depending on the portfolio.
An approach designed for those who wish to build long-term wealth, not for speculation.
I’ll help you work out whether it’s a good fit for your profile before you make a decision.
In addition to the investment, the product includes a death benefit.
Three general approaches to investing based on your profile
These portfolios are provided for guidance only. The final composition may be tailored to the client and the options available at any given time.
Conservative Profile
For those seeking a more conservative strategy, with a greater weighting in fixed income and less exposure to more volatile assets.
- GIS Euro Corporate Short-Term Bond
- Schroder ISF EURO Corporate Bond
- Pictet TR - Atlas P
- Sycomore Selection Credit R
- GENERALI Euro Bond 1–3 Years D
- GIS EURO BOND
- Fidelity US High Yield A
Moderated Profile
For those who are comfortable with a medium-to-low level of risk and are looking to combine fixed income, multi-asset and equity investments.
- Fidelity US High Yield A
- M&G (Lux) Optimal Income A
- BGF ESG Multi-Asset A2
- Robeco Sustainable Global Stars Equities D
- Sycomore Selection Responsible
- JPM US Select Equity A
- JPMorgan Emerging Market Leaders
Determined Profile
For those who are prepared to accept greater volatility in order to gain greater exposure to equities and have a longer investment horizon.
- BSF Managed Index Portfolios Growth A2
- BGF Sustainable Energy A2
- JPM US Select Equity A
- BGF European Equity
- Pictet Premium Brands P
- BGF World Technology A2
Examples of funds included in the indicative portfolios
These funds are listed for reference within the product’s indicative portfolios. Specific details of each fund should be checked before investing.
- GIS Euro Corporate Short-Term Bond
- Schroder ISF EURO Corporate Bond
- Pictet TR - Atlas P
- Sycomore Selection Credit R
- GENERALI Euro Bond 1–3 Years D
- GIS EURO BOND
- Fidelity US High Yield A
- Fidelity US High Yield A
- M&G (Lux) Optimal Income A
- BGF ESG Multi-Asset A2
- Robeco Sustainable Global Stars Equities D
- Sycomore Selection Responsible
- JPM US Select Equity A
- JPMorgan Emerging Market Leaders
- BSF Managed Index Portfolios Growth A2
- BGF Sustainable Energy A2
- JPM US Select Equity A
- BGF European Equity
- Pictet Premium Brands P
- BGF World Technology A2
Note: The portfolios are for reference and illustrative purposes only. The available options may be subject to change and should be checked at the time of the proposal.
Test your ability to contribution
This simulator does not calculate returns or market scenarios. It simply helps you visualise how much you could contribute on a regular basis over a given period.
Preliminary profile assessment
It responds quickly and will give you an initial idea. It is not a substitute for a personalised analysis.
Contribution calculator
Enter a monthly contribution and a time horizon. The result shows only the total amount contributed, without estimating the return.
Simple calculation: monthly contribution × 12 months × number of years. Does not include returns, costs, tax or market fluctuations.
Would you like to find out which option might suit you best?
Please fill in your details on the form and we’ll review your situation: whether you have any savings, whether you’d prefer to start with monthly contributions, your investment horizon and your risk tolerance.
The Elementor form goes just below this block.
Before investing, it is advisable to have a good understanding of the risk
FondoSelección Flexible is neither a deposit nor a product with a guaranteed return. It is a fund-linked savings and investment life insurance policy, meaning that its value may rise or fall depending on market performance.
My job here isn’t to sell you a pipe dream with fancy graphics. It’s to help you work out whether this product makes sense for your actual situation.
Is this insurance policy right for you? Savings and investment?
Not all products are suitable for all customers. And thank goodness for that: otherwise, it would be like buying one-size-fits-all shoes.
And you want to assess an investment strategy based on your profile and your time horizon.
And you’re looking to build up your savings through regular contributions and a long-term approach.
Especially if you don’t want to rely on just one savings option.
This product is linked to financial markets and does not guarantee a minimum return.
It’s designed for the long term, not for money you might need tomorrow.
Investments can go up or down. It’s important to be clear about this right from the start.
Frequently asked questions about Flexible Selection Fund
Here is a quick guide to help you understand the product better before requesting a personalised quote.
It is a unit-linked life insurance policy that combines savings and investment. The premiums are linked to investment funds, and the value of the policy depends on the performance of those funds.
It is a savings and investment life insurance policy that allows you to channel your contributions into funds. It therefore combines an insurance component with an investment component.
This means that the value of the insurance policy is linked to the performance of assets or investment funds. The policyholder bears the investment risk.
No. Returns are not guaranteed and the value may fluctuate depending on developments in the financial markets.
Yes. As it is linked to investment funds, the value may be lower than the contributions made.
Yes, it can be set up with regular contributions. It’s an interesting option for anyone who wants to get into the habit of saving and investing each month.
Yes. It can also be arranged with one-off or additional contributions, depending on the terms and conditions and the personalised proposal.
For reference, three indicative profiles are used: Conservative, Moderate and Aggressive. Each has a different composition and level of risk.
The product allows you to request changes or transfers between the available options, subject to the current terms and conditions. It is advisable to review each case individually.
There may be a right to redeem the policy in full or in part, but you should check the applicable terms and conditions, costs and penalties, particularly if you redeem it early.
It would not be suitable for anyone seeking a guaranteed return, who does not wish to accept fluctuations, or who may need the capital immediately.
This product is designed for the long term. Before taking it out, it is worth considering when you might need the money and what level of risk you can accept.
Ideally, you should consider your age, investment objective, available capital, monthly contribution, investment horizon, investment experience and risk tolerance.
There can be a strategy behind your saving. There’s no need to improvise.
Whether you’ve already saved up some capital or want to start slowly with a monthly contribution, we’ll look at your situation and see which option might suit you best.