The fund provides a one hundred percent capital guarantee during the entire life of the insurance contract. Moreover, the NOVIS Guaranteed Growth Insurance Fund includes a positive monthly investment return, which will be published on NOVIS’ website on the 31st of December for the following calendar year.

Investment objective of the Fund is to achieve return of investment on the level of inflation in long term. The fund invests into government bonds of eurozone countries. Disregarding the investments performed by the Fund, we guarantee the value of the capital invested in this Fund as well as a monthly return until the end of the year based on the rate published on the website of Insurer before the end of the preceding calendar year. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. As the return for each year is guaranteed, the return on investment and the value of the investment are not directly dependent on the development of the underlying assets. The achieved yield of the underlying assets may influence the future value of guaranteed appreciation of the Fund. The Fund is denominated in EUR, as well as the underlying assets. The Fund does not monitor or copy any index and does not have a benchmark.

Since the fund’s inception in 2014 up through 2023, the guaranteed and attributed investment return to Slovak clients was 0.3% per month (p.m.), representing 3.66% per year (p.a.). The annual investment return was positively influenced by compound interest, as the assessment was made on a monthly basis.

The currency of the fund is the Euro.

The Board of Directors of NOVIS Insurance Company, NOVIS Versicherungsgesellschaft, NOVIS Compagnia di Assicurazioni, NOVIS Poisťovňa a.s. approved a 2024 guaranteed investment rate of return of 0.3% p.m. for the NOVIS Guaranteed Growth Insurance Fund for clients from Slovakia, the Czech Republic, Germany, Austria, Italy and Iceland and a rate of 0.33% p.m. for clients from Poland and Hungary.

The investment rate of return for the guaranteed fund can be agreed at a different level for certain groups of clients. In such cases, the investment rate of return will be stated directly on the insurance contract or in the General Terms and Conditions for the insurance. Such an agreement is possible only if the clients fulfill the additional criteria defined in the insurance contract.

• Historical performance of the NOVIS Guaranteed Growth Insurance Fund
• Statute of NOVIS Guaranteed Growth Insurance Fund

Investment objective of the Fund is to achieve return of investment significantly over the level of inflation in long term by investing into equity exchange traded funds (equity ETFs) which focuses on companies from both developed and developing markets without limitation to certain sectors of economy. Equity ETFs are specific types of investment funds traded on stock exchanges which invests into shares of companies and whose investment objective is to copy the development of the selected stock index, its composition and hence the proportional share of the companies. The Fund itself does not monitor or copy any index and does not have a benchmark. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. T

he structure of the portfolio of the Fund is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund may be influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds.

• Historical performance of the NOVIS ETF Shares Insurance Fund
• Statute of NOVIS ETF Shares Insurance Fund
• iShare MSCI WORLD (USD) ETF, US4642863926 - Underlying asset information
• iShare MSCI EM - ACC, IE00B4L5YC18 - Underlying asset information

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term by investing into gold exchange traded funds (gold ETFs), whose change of value is linked to the change of price of gold. Fund itself cannot hold the physical gold or precious metals but its underlying assets invests into physical gold or precious metals. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

• Historical performance of the NOVIS Gold Insurance Fund
• Statute of NOVIS Gold Insurance Fund
• SPDR Gold Trust, US78463V1070 - Underlying asset information

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term. The Fund focuses on investments in private equity or prospective companies and projects from both developed and developing markets without territorial limitation and without focusing on certain sectors of economy. Fund may include investments into projects contributing to the growth of economy and creation of employment in developing and emerging countries. For this purpose, the Fund invests into investment funds or into equity exchange traded funds (equity ETFs) replicating index of listed private equity companies. Main assets used in these funds are shares and corporate bonds. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark. 

• Historical performance of the NOVIS Entrepreneurial Insurance Fund
• Statute of NOVIS Entrepreneurial Insurance Fund
• responsAbility Micro and SME Finance Fund II, LU1050624516 - Underlying asset information
• iShares Euro High Yield Corporate Bond UCITS ETF, IE00B66F4759 - Underlying asset information
• iShares Listed Private Equity UCITS ETF, IE00B1TXHL60 - Underlying asset information

Investment objective of the Fund is to achieve return of investment on the level of inflation in long term by investing in exchange traded funds (ETFs) that invest in secured bonds issued by financial institutions financing real estate sector, real estate funds corporate bonds dedicated to financing of real estate projects or mortgage bonds, without territorial limitation. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area.

The structure of the portfolio is not fixed but may change over time depending on market conditions. The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

• Historical performance of the NOVIS Mortgage Insurance Fund
• Statute of NOVIS Mortgage Insurance Fund
• iShares Euro Covered Bond UCITS ETF, IE00B3B8Q275 - Underlying asset information
• Franklin Global Real Estate Fund, MIF_LU0229948087 - Underlying asset information

Investment objective of the Fund is to achieve return of investment over the level of inflation in long term by investing in alternative investment funds, specifically Family office funds. These funds invest significantly in non-listed shares and bonds and a limited portion of investments may be allocated into various other assets (e.g. real estate property, works of art and collections or precious metals or gemstones). Fund may also invest into assets focused on stable growth for a long period of time. Fund has no geographical limitations or limitations by sector of economy. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

• Historical performance of the NOVIS Family Office Insurance Fund
• Statute of NOVIS Family Office Insurance Fund
• UBS (Lux) Bond SICAV – China Fixed Income (EUR) Q-acc., LU1717043910 - Underlying asset information
• UBS Bond Inflation – linked Global (EUR hedged) Q-acc., LU1240775087 - Underlying asset information
• Amundi S&P Global Luxury UCITS ETF EUR ©, LU1681048630 - Underlying asset information

Investment objective of the Fund is to achieve return of investment significantly over the level of return in equity index in long term by investing into mixed investment funds focused on companies with high brand value, where the brand value has not been reflected so far in the increase of the price of their shares. Fund invests into one or all sub-funds of the umbrella “Wealth Fund”.

The sub-funds invest in securities and money market instruments that are approved or traded on regulated markets either in or outside of European Union and include shares, debentures, open ended investment funds subject to EU Directive (UCITS) and derivative equivalents across the sectors of economy and without geographical limitations. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions.

The income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

• Historical performance of the NOVIS World Brands Insurance Fund
• Statute of NOVIS World Brands Insurance Fund
• IPM Pensionsplan Balance EUR_LU2053090630 - Underlying asset information
• IPM Pensionsplan Chance EUR_LU2053090804 - Underlying asset information

Investment objective of the Fund is to achieve return of investment significantly over the level of inflation in long term by investing into investment funds or exchange traded funds focused on shares of companies which develop and provide computing capacity (so called cloud computing) or other technology companies, without geographical limitations. In order to provide the necessary liquidity, the Fund may invest to a limited extent (up to 20 %) in bank deposits with banks located in countries of the European Economic Area. The structure of the portfolio is not fixed but may change over time depending on market conditions. T

he income and revenues of the Fund are fully reinvested and are not intended to pay dividends. The return on investment and the value of the investment are largely dependent on the development of the underlying assets, and there is a direct relationship between the return on investment and the performance of the Fund.

The Fund is denominated in EUR, but the underlying assets may be denominated in other currencies, which implies that the yield in the Fund is influenced not only by the performance of the assets, but also by the currency exchange rates. Currency risk is not hedged. The Fund does not provide any yield guarantee or return on invested funds. The Fund does not monitor or copy any index and does not have a benchmark.

• Historical performance of the NOVIS Digital Assets Insurance Fund
• Statute of NOVIS Digital Assets Insurance Fund
• Global X Robotics & Artificial Intelligence UCITS ETF USD Acc., IE00BLCHJB90 - Underlying asset information
• First Trust Cloud Computing UCITS ETF USD Acc., IE00BFD2H405 - Underlying asset information
• First Trust Nasdaq Cybersecurity UCITS ETF USD Acc, IE00BF16M727 - Underlying asset information