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Symphonia

Symphonia is a financial Modular System from Allianz S.A.L. combining Wealth Distribution rhythms at various time frames

The Symphonia program is designed to meet with whatever combination you deem necessary for your financial objectives and goals.

Allianz S.A.L. will offer you the possibility to be the SOLE conductor of your Symphonia, with a full autonomy of adjusting rhythms anytime, to meet with the suitable investment ambiance.....

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Advantages

  • Flexible saving option with a possibility to choose between various investments choices, according to your risk preferences.
  • Flexibility to switch between investment options anytime.
  • Flexible protection options with various insurance covers and riders.
  • Possibility to protect both the insurance and investment benefits against inflation.
  • Flexibility of payments (monthly / quarterly / half-yearly / yearly). 

 Benefits

Basic protection benefits

Life Insurance Benefit

Life Insurance benefits

With Symphonia, you will have the option to set up the appropriate insurance amount that would safeguard the financial future of your family in case of Death or Disablement.
Schooling Benefits

Schooling benefits

In case of Death or Total Permanent Disablement, the schooling fees of your children, in addition to the financial welfare of the parents will be covered over a pre-set period of your choice. 
Waiver of future contribution

Waiver of future contributions

In case of Death of the life assured, Symphonia grants the option of transferring the policy to a pre-selected beneficiary and the company will step in and pay the due premiums on behalf of the Contract Owner up till the original maturity. The above benefits are also payable in case of Total Permanent Disablement to the benefit of the Contract Owner.

Additional Riders

A rider is a provision in your Symphonia policy that adds in extra insurance benefits as per your selection and needs
Symphonia is devoted to accompany you in the journey of life and support you to fully look after your loved ones. Whether you want to protect a child, a parent, or a spouse, you will find much more than what you expected. Choose your melody.
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An aggressive capital appreciation rhythm, reflecting efficiency and accuracy in Asset Management for the medium to long term planning.
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A balanced Savings rhythm, reflecting harmony for a long-term retirement strategy.
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A conservative Protective rhythm, reflecting a hedging tactic to safeguard the continuation of the concert.

Death Rider

A supplementary Life Insurance Benefit grants coverage in case of decease due to natural and/or accidents risks.
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Accidental Death Rider
A supplementary Life Insurance Coverage to better support the family in case of an accidental death. 

Critical Illness Rider

A pre-selected Coverage on all risks pertaining to 10 Critical illnesses.
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Accidental Total Permanent Disablement (TPD) and Partial Permanent Disablement (PPD) Rider

Supplementary Total and Partial Permanent Disablement Coverage due to accidents to better insure related risks when and if necessary.

Additional Long Term Total and Permanent Disablement Rider LT-TPD

An Accidental and Natural Total Permanent Disablement Coverage provided to preserve the appropriate amount necessary for a safe financial future.

Passive War Total Permanent Disablement (TPD) and Partial Permanent Disablement (PPD) Rider

Additional Disablement Coverage from passive war or war-related risks.

Passive War Death Rider

Additional coverage on all risks resulting directly or indirectly from passive war events.

Fund Performance
as of December 2022

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Symphonia Funds
 		Category/ Risk Class/ Currency

Net Asset Value

Year to Date

 2021

Annualized 5 years
Allianz S.A.L. Accumulation Fund* (Inception in April 2020) Fixed Income/Moderate/USD

13.04

18.12%

 5.08% N/A
Amundi Global Bond Fund Aggregate Fixed Income/Moderate/USD 228.56 -9.36% -2.18% -0.07%
Pimco GIS Global Investment Grade Credit Fund Fixed Income/Moderate/USD

16.41

-16.28%

 -2.29% -1.20%
Pimco GIS Diversified Income Fund Fixed Income/Moderate/USD

20.26

-17.04%

 -1.01% -0.53%
Vontobel US Equity Equity/ Dynamic/ USD

1411.03

-16.58%

 17.70% 7.55%
T. Rowe Price Blue Chips Growth Equity/ Dynamic/ USD 54.11
 0.81% 17.52% 4.50%
Allianz RCM Oriental Income Equity/ Dynamic/ USD

197.86

0.05%

 9.20% 6.95%
Allianz Geldmarktfonds Fund Money Market/ Conservative/ EURO 45.59 0.01% -0.57% -0.32%
Pimco GIS Low average duration fund Fixed Income/Moderate/USD 12.06
 -5.71% -1.69% -0.55%
Pimco GIS Total Return Bond Fund Fixed Income/Moderate/USD 24.83 -16.03% -2.12% -1.19%
Pimco GIS Emerging Markets Bond Fixed Income/Moderate/USD

38.94

-17.80%

 -3.19% -1.68%
Allianz RCM US Equity Equity/ Dynamic/ USD

21.41

-27.30%

 20.01% 3.99%
Allianz RCM China Equity/ Dynamic/ USD

57.78

-21.02%

 -17.78% -2.32%
Allianz RCM Europe Equity Growth Equity/ Dynamic/ EURO

309.87

-0.66%

 31.12% 3.53%
Allianz RCM Asia Pacific Equity/ Dynamic/ USD

32.37

-0.12%

 -10.73% 0.10%
Allianz RCM Global Agricultural Trends Equity/ Dynamic/ USD

8.08

-24.06%

 -1.57% 2.60%
Allianz RCM Rohstoffonds Equity/ Dynamic/ EURO

88.02

-0.43%

 20.36% 6.55%
Allianz RCM BRIC Equity Equity/ Dynamic/ USD

7.46

-15.32%

 2.32% 0.88%
iShares MSCI World Islamic Equity/ Dynamic/ USD 38.58

-11.77%

 18.41% 4.92%

Symphonia Factsheets

Allianz Geldmarktfonds Spezial

The Fund has a capital preservation objective; It seeks consistent returns close to the Bank deposits in the Euro Region. It is denominated in EUR

Factsheet 103 KB

Pimco GIS Low average duration fund          

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bonds with Low duration. It is denominated in USD.

Factsheet 241 KB

Pimco GIS GLB INV GR CR

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bonds worldwide but only Investment Grade Bonds. It is denominated in USD

Factsheet 291 KB

Pimco GIS Total Return Bond

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bonds worldwide with an emphasis on US Bonds. It is denominated in USD

Factsheet 240 KB

Pimco GIS Diversified Income Fund

The Fund has a Capital Preservation and Moderate Growth Objective; it focuses on high yield and investment grade bonds worlwide with an emphisis on US, Europe and Japan. It is denominated in USD

Factsheet 244 KB

Pimco GIS Emg Mkts Bd

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Emerging Markets Bonds. It is denominated in USD
Factsheet 240 KB

Allianz RCM US Equity

The Fund has a long term Capital Growth objective; it focuses on equities in the US Region and emphasizes on Big Cap stocks. It is denominated in USD

Factsheet 108 KB

Allianz RCM China

The Fund has a long term Capital Growth objective; it focuses on Equities in China. It is denominated in USD

Factsheet 130 KB

Allianz RCM Europe Equity Growth

The Fund has a long term Capital Growth objective; it focuses on Europe Equities. It is denominated in EUR

Factsheet 345 KB

Allianz RCM Asia Pacific

The Fund has a long term Capital Growth objective; it focuses on equities in the Asia Pacific Region excluding Japan. It is denominated in USD

Factsheet

Allianz RCM Oriental Income

The Fund has a long term Capital Growth objective; it focuses on equities in the Asia Pacific Region mainly Japan and Korea. It is denominated in USD

Factsheet 134 KB

Allianz RCM Global Agricultural Trends

The Fund has a long term Capital Growth objective; it invests in Agricultural stocks worlwide with an emphasis on US Equities. It is denominated in USD

Factsheet 134 KB

Allianz RCM Rohstoffonds

The Fund has a long term Capital Growth objective; it invests in Metals mining and Gold; Major country of investments are Australia, Canada and USA. It is denominated in EUR

Factsheet 117 KB

Allianz RCM Bric Equity

The Fund has a long term Capital Growth objective; it focuses on equities in the Emerging Market Countries which hold high Dividend earnings. It is denominated in USD

Factsheet 208 KB

iShares MSCI World Islamic UCI

The Fund has a long term Capital Growth objective; The Fund seeks to track the performance of an index composed of companies from developed countries and which comply with Shariah investment principles.
Factsheet 351 KB

Amundi Funds Bond Global Aggregate

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bond worldwide with an emphasis on US Bonds. It is denominated in USD

Factsheet 1 MB

Vontobel US Equity

The Fund has a long term Capital Growth objective; it focuses on equities in the US Region and emphasizes on Mid Cap stocks. It is denominated in USD
Factsheet 93 KB

T. Rowe Price Blue Chips Growth

The Fund has a long term Capital Growth objective; it focuses on equities in the US Region and emphasizes on Big Cap stocks. It is denominated in USD

Factsheet 146 KB

Frequently Asked Questions

Get more information about Symphonia

Contributions as well as benefits can be indexed to inflation rate according to your expectations and subject to a minimum rate of 0% and a maximum rate of 7%.
The minimum monthly contribution is USD$1,000. With Symphonia, you can reduce or even suspend your regular contributions at any time without penalty. Your Symphonia investment account will continue to perform normally as long as the investment account covers the monthly deductions due until you decide to resume your regular contributions.

Symphonia has a wide range of basic protection benefits that include the following optional insurance benefits payable in case of Death or Total Permanent Disablement:

  • Cover A: Minimum Lump Sum Benefit or Multiple of Total Paid Regular Contributions 
  • Cover B: Schooling Benefit(s). 
  • Cover C: Waiver of Future Contributions. 

In addition to the optional insurance benefits, Symphonia offers access to a variety of 5 years renewable additional insurance riders:

  • 1- Additional Death Rider; 
  • 2- Additional Long Term Total and Permanent Disablement Rider; 
  • 3- Additional Critical Illness Rider. 
  • 4- Additional Accidental Death Rider; 
  • 5- Additional Accidental Total Permanent Disablement (TPD) and Partial Permanent Disablement (PPD) Rider; 
  • 6- Additional Passive War Death Rider; 
  • 7- Additional Passive War Total Permanent disablement (TPD) and Partial Permanent Disablement (PPD) Rider; Your Symphonia Consultant can also explain each benefit to you in details. We have included these benefits to ensure that you and your dependents can receive the maximum financial support in case of adverse, unforeseen events.
You may, upon written request to the Company switch between units in the Unit Linked Funds to the available Fund(s). You may redirect future contributions as well.
You can withdraw up to 50% of your Symphonia investment account at any time. However, in case of a full withdrawal, it's worth noting that your encashment value may be less than your investment account.

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