Invest in the DECO PROteste Unit-Linked Insurance Plan
The strategic partnership between DECO PROteste, Real Vida Seguros, and Banco Carregosa reinforces our commitment to offering next-generation investment solutions. Through this unit-linked insurance product, investors gain access to recommended portfolios of stocks and bonds, combining analytical expertise with institutional strength.
With five investment portfolios, this product offers complete diversification. You can choose between equity portfolios (Proteste Investe, American, European, and Bom Dividendo) or the stability of Global Bonds via ETF, tailoring the strategy to your goals.
Full flexibility between the five strategies is a key advantage of this insurance, allowing you to transfer capital between stocks and bonds according to your risk profile. This flexibility ensures dynamic and personalized management, essential for optimizing long-term returns.
Additional Information
Investment flexibility
The ability to choose from various strategies (stocks and bonds) and change them over time without any tax implications.
Tax advantages
Significant reduction in taxation upon redemption, especially for long-term investments (over 5 and 8 years).
Diversification and regular contributions
Allows you to invest in different portfolios simultaneously and make periodic contributions.
Inheritance benefits
Ease of transferring capital, with direct designation of beneficiaries outside the inheritance process.
You can invest in the following portfolios
Proteste Investe Stocks Portfolio
This portfolio focuses on global market leaders and strategic sectors.
U.S. Stocks Portfolio
A rigorous selection of leading U.S. companies.
European Stocks Portfolio
Invest in the stability and dividends of listed stocks on European markets.
Good Dividend Stock Portfolio
Focus on investments that generate stable and recurring income.
Global Bonds Portfolio
Diversify your portfolio with exposure to global debt.
Terms and Conditions of the DECO PROteste Unit-Linked Plans
The minimum subscription amount is just 1,000 euros, with subsequent subscriptions of 500 euros.
- No subscription fee.
A 1% redemption fee applies to redemptions made within one year.
- An annual management fee of 1% for the four equity strategies and just 0.85% for the Global Bond Strategy.
- Up to three portfolio changes per year at no cost. A 1% fee, with a minimum of 30 euros, applies to the third and subsequent changes made each year.
- The portfolios are defined by DECO Proteste, which is compensated for this service, but the amount is not withdrawn from the fund.
What is Unit-Linked Insurance?
These are investment solutions structured as life insurance policies, where returns are linked to the performance of financial assets. Upon purchasing a policy, the investor acquires units, benefiting from professional and diversified management.
- Investment Relationship: The value of the policy fluctuates with the market.
- Asset Management: Access to various or different portfolios of bonds, stocks, or other financial assets.
- Wealth Transfer: Effective delivery of capital to beneficiaries.
Customer Support Line
Hours: Monday to Friday, from 09:00 to 19:00.
Cost of calling the national fixed network.
