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Unit linked Savings Plans
Unit linked savings plans are medium to long-term savings vehicles in which you contribute premiums regularly for a specified period of time with the intention to grow your capital. The amount you contribute can vary depending on your level affordability, investment horizon and savings goals. The potential returns are based purely on the market performance of the funds you select. Unit-linked savings plans are ideal for general savings, saving for retirement, child education, to buy a house or to plan for your child’s wedding.
Unit linked savings plans allow you to choose, with guidance from our team of professionals, where you would like your money to be invested, based on your appetite for risk. The plans offer tailored investment strategies for conservative, balanced as well as high risk investors. You’ll also have the opportunity to switch between and redirect to new funds throughout the tenor of your plan as your needs and risk appetite change, allowing you peace of mind and flexibility.
Unit Linked savings plans help you benefit from the concept of Dollar Cost Averaging. The technique of buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price. More shares are purchased when prices are low, and fewer shares are bought when prices are high. Dollar-cost averaging lessens the risk of investing a large amount in a single investment at the wrong time, hence mitigating the risks of timing the market.
Our unit linked savings plans, also provide you with the opportunity to bolt on certain protection benefits of your own choice:
- Income Replacement Benefit: in the event the insured dies during the selected term, an income will be paid monthly for the balance of rider term
- Waiver of Premium: in case of disability due to an accident or illness, the insurance company will pay future policy premiums up to policy maturity
- Various other health and hospitalization benefits
Insurance Products are made available to clients based on their need analysis and request. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (ADCB) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies. ADCB is not responsible for rejected applications or claims by any insurance company. Premiums received by ADCB for insurance plans are not bank deposits. Investment products are not bank deposits and are not guaranteed by ADCB. They are subject to investment risks, including possible loss of principal amount invested. Past performance does not guarantee future results. Please refer to ADCB Terms & Conditions for Investment Services. This web-page is for information purposes only and does not constitute an offer or solicitation to purchase investment products.