Investment Philosophy

Universal Life currently offers six Investment Funds which consist of units of equal value.

  • Universal Property Fund
  • Universal Dynamic Fund
  • Universal Balanced Fund
  • Universal Income Fund
  • Universal Cash Fund
  • Universal Guaranteed Fund

Each Fund 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 investment percentage allocation in each fund for future premiums depending on market conditions. The minimum investment percentage in any given Fund is 20% and you may exercise this option up to 2 times a year.
  • Transfer of existing Units between Fundswhen you believe this will protect your investmentThis option may be exercised up to 4 times a year (once every quarter).