Investment options submitted to the participants in accordance with its risk profile. For participants who are risk avese, it is advisable to choose the type of conservative investment with the consequences of the investment is relatively stable for participants who are risk takers, who want a high investment returns is advisable to choose the type of investment and equity.
By following this program benefits that will be received by the participants as follows. If the participant is destined to remain alive until the end of the agreement, the participants will receive investment funds as planned. The amount of funding received depends on the current unit price that reflects the real investment results obtained are multiplied by the number of unti dimiliknya. If a participant decides to resign before the agreement expires, the participant will receive investment funds that have been deposited with the results of its investment. The amount of funding received depends on the current unit price multiplied by the number of units owned. If the participant is destined dies during the agreement period heirs will receive a sum of money as planned. Funds derived from investment funds that have been deposited with the results of its investment in the amount dependent on the current unit price multiplied by the number of units owned and death benefit funds that have been in akadkan.
Insurance, pension funds for employees already highlighted earlier, these programs can also be taken by the executive retirement plan. This is what distinguishes the executive is the choice of the type of investment, which is shaped investmnent link. At the beginning of the pension insurance fund, participants can choose the type of aggressive investments in order to maximize investment results. After that, in anticipation penuunan link unit value at the time of retirement, preferably about 5 years before retirement age, funds are transferred to the types of investments are fixed income. Thus, the investment is expected to be more stable.
Insurance needs as an entrepreneur
for someone entrepreneurs sustainability, dynamics and expansion of businesses that they do is a priority. It is not just erkait with reciprocation of a business related to turnover or sales, either goods or services offered, but also associated with the risk of loss or keusakan on assets that always can happen at any time because of the dangers to the small scale, for example, theft, lightning, explosions, gas cylinders and the like. Or hazards with large scale such as fires, floods, and storms. Risk the risks of others who also may occur are related to business interruption due to damage caused by these hazards in the form of declining sales and rising costs of production to lose the market.
To menganisipasi these risks, the insurance company can provide solutions sharia Islamic insurance products can provide solutions in the form of property insurance products. With property insurance all risk insurance, all insurance participants committed to help each other or to bear if committed to help each other or one another bear the if hrata insured physical damage, destruction, loss suddenly, unexpectedly and unintentionally while on location listed in the policy initiative for all risks, except that disebukan in an exception in the policy, both general exceptions and special exceptions.
Examples of the types of risk that is guaranteed in this program is sebgai follows:
Fall of aircraft
other risks not mentioned in exception