The participating life insurance product is based on a diversified investment strategy, designed to take advantage of a long-term investment horizon. Leveraging our in-depth knowledge of the various underlying asset classes, we structure the investment portfolio to generate a high return with a low-to-moderate level of risk.
Our strategy is based on intelligent risk-taking, which is essential to achieving higher long-term investment returns.
Key principles of the strategy:
Exposure to compensated long-term risks
The portfolio is exposed to a variety of compensated long-term risks, including those related to fluctuations in stock markets, credit, and reduced asset liquidity.
Reduced risk through diversification
Investments are carefully diversified within and between asset classes, as well as over time, to ensure controlled risk management.
Inclusion of complementary investments to traditional approaches
Our investment strategy stands out by incorporating a portion of alternative investments and specialized strategies, which help improve the portfolio’s risk/return profile.
Why is our investment strategy beneficial for participating accounts?
- Relatively high expected returns
An optimal mix of traditional and non-traditional asset classes provides the advantages of a long-term horizon and low liquidity requirements to achieve a higher return on its underlying investment portfolio. - Reduced risk through increased diversification
Diversifying sources of return and management approaches helps reduce investment portfolio volatility.
A strategy that also benefits from active management
Our investment strategy also uses active management, providing higher expected returns without increasing risk.