The new investment strategy from Rosgosstrakh Life is tied to a widely diversified index, which includes several sectors: high technology, healthcare, developed and emerging markets, raw materials and USD. The profitability has been + 47% over the past 5 years.
Artificial intelligence recognizes economic cycles in terms of region and sector economies and rebalances the index composition (distributes weights in the ETF basket), increases or decreases the concentration of investments in a particular asset. The retargeting operation takes place every month.
“If the market is in the process of recovery or growth, then the focus is on assets with maximum potential,” explains Vladimir Turayev, head of development of investment and insurance products of the insurance company Rosgosstrakh Life.
With the index positive dynamics, the client receives a coupon every year, all income from index growth (taking into account the participation coefficient) above the maximum value on previous coupon dates. If the index value on the coupon date is lower than the maximum on any of the previous coupon dates, the client receives a guaranteed coupon of 0.1%.