Investment Philosophy

Universal Life currently fields four Investment Funds under its group occupation pensions line of business:

  • Universal Opportunity Pension Fund
  • Universal Balanced Pension Fund
  • Universal Income Pension Fund
  • Universal Cash Pension Fund

Further details about these Pension Funds as well as Universal Life’s Group Occupational Pension Plan appear in the relevant prospectus.

Each of the four Pension Funds has its own distinct investment policy and you may invest in a combination of Funds that best matches your desired risk appetite. Additionally, you may change your investment by:

  • Altering the percentage allocation of future contributions between Funds - This option may be exercised up to a maximum number of times each calendar year as set out in the Pension Contract Regulations.
  • Transfer of Units between Funds - This option may be exercised with a certain time frequency set out in the Pension Contract Regulations. Transfers can take place from / to one or more Funds.