Flex Plan: Investment

The Flex Plan has a low investment risk because capital and bonuses are guaranteed in full (except on surrender within the first 6 years).

The Flex Plan policyholders' funds currently invest in short dated bonds (mainly 1–3 year bonds).

Please see the news item dated 25 October 2010 for changes that are occuring to the investment structure of this Plan.

The bonus rates are determined by referring to available surplus in the appropriate policyholder currency fund. The surplus primarily arises from the investment return earned.

Please refer to the bonus section for details on the bonus record and bonus regulations.