The Patronale Life Future Stability fund represents a diversified portfolio that invests in different assets such as stocks, bonds or listed real estate but does so through so-called ETFs or trackers (Exchange Traded Funds). An ETF is a passively managed investment fund that tracks a particular index as closely as possible. Thus, there are both bond and stock indices. The major advantage of these passive investment vehicles is that these funds do not have to pay an active manager, which greatly reduces costs. In other words, Patronale Life Future Stability uses the most inexpensive investment instruments to build a highly diversified portfolio. In addition, Patronale Future Stability Fund is very actively managed, with the weights of the different trackers in the portfolio being rebalanced every month. During this rebalancing, more expensive assets are sold in favor of cheaper ones. The fund invests globally to take maximum advantage of possible opportunities. A globally diversified portfolio also leads to a better risk-return ratio. This rebalancing is done according to a fixed strategy, so that human emotions are eliminated as much as possible. After all, consistent implementation of the investment strategy is essential to achieving excellent investment results in the long term.

The Patronale Life Future Stability fund is therefore a unique investment fund in the market. After all, ETFs are not actively promoted by the banks as the banks like to charge management commissions themselves, so ETFs are traditionally only reserved for the “do-it-yourselfers”. Reducing costs within the fund is therefore a primary reason for achieving better returns, in addition to the consistent investment strategy employed. The fact that the fund is offered in an insurance wrapper also offers other advantages, including an appropriate tax regime.