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Investment Bond

The Investment Bond is a whole of life investment plan linked to the value of underlying investment funds. The plan is available in three currency versions - Euro, US Dollar, or GB Sterling.

The Investment Bond offers you the possibility to diversify and balance your portfolio through an investment choice from:

  • Investment Funds managed by Fidelity Worldwide Investments, Black Rock, Invesco and Valletta Fund Management (VFM) and

  • MAPFRE MSV Life With-Profits Fund that provides capital protection, under the Euro version of the Plan.

Plan Description

An investment plan which allows you to invest in different investment funds. 

  • The plan is available in three currency versions - Euro, US Dollar, or GB Sterling. You can choose to  invest from amongst a range of external Investment Funds managed by Fidelity Worldwide Investments, Black Rock, Invesco and Valletta Fund Management (VFM) and our own internal fund - the MAPFRE MSV Life With-Profits Fund that provides capital protection, under the Euro version of the Plan.

It's Aims

  • To give you the potential for medium to long-term capital growth.

  • To give you access to your money by making one-off withdrawals.

  • To allow you to choose from a range of funds to match your investment objectives.

Your Commitment

  • To invest a minimum lump sum payment of € / US$ / £ 3,000, with the option to make additional top-ups whenever you want.

  • You can keep your Plan for as long as you like and do not have to determine its duration when you start the Plan.

  • You should view your Plan as a medium to long-term investment, which means it should be held for at least 5 years.

Risk Factors

  • What you get back will depend on the investment performance of the funds that you choose and our charges. The value of your investment in the investment funds can go down as well as up. Changes in the rate of exchange of currencies may also affect the value of your investment. 

  • The Plan invests in a range of funds which have different levels of risk and you should choose the fund or portfolio of funds that matches your risk profile.

  • You may get back less than the amounts shown on the illustration because

  • capital growth could be lower than that shown in the illustration,

  • withdrawals from your Plan could use up some of your capital.

  • Withdrawals from your Plan may be subject to tax.

  • The returns you get on your investment in the MAPFRE MSV Life With-Profits Fund depend on a number of factors including:

  • The return on investments in our underlying With-Profits Fund.

  • The way we distribute any profits on the Fund.

  • Factors beyond our control, such as tax and the effect of inflation.

  • Profits and / or losses from non-participating plans (other than unit-linked plans) which are also part of the With-Profits Fund.

  • The cost of meeting any guarantees that we provide. 

  • The rate of future bonuses declared under the MAPFRE MSV Life With-Profits Fund cannot be guaranteed and may also change over the years. 

  • If you cash in your investment in the MAPFRE MSV Life With-Profits Fund early, you may receive less than the account value. This will happen as a result of surrender charges and the possibility that we may apply a Market Value Reduction (MVR). MVR may be applied if the value of our investment falls suddenly. 

  • Inflation will reduce the value of any cash sum and this is something you should be aware of when considering what you may be able to buy with a cash sum in the future.

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ROCS Company Limited is an enrolled Tied Insurance Intermediary under the Insurance Distribution Act, Cap 487 of the Laws of Malta for MAPFRE MSV Life p.l.c.. MAPFRE MSV Life p.l.c.(C-15722) is authorised under the Insurance Business Act, Cap 403 of the Laws of Malta. Both entities are regulated by the MFSA.