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Ancoria EUR Stability 3.50% Fund


Objective of the fund

The Fund aims to pay policyholders a yearly fixed coupon of 3.50% in EUR for a maximum period of three years. The initial premium will be returned to policyholders in full provided that the closing level of the Euro Stoxx 50 Index at maturity is at or above the capital protection barrier level (1,998.45).

This is how it works:

For the first two years, the Fund has an early redemption feature whereby, depending on the performance of the Euro Stoxx 50 Index evaluated on each yearly Autocall Observation Date, the Fund may redeem early and policyholders will receive 100% of their premium invested plus the yearly coupon of 3.50%. 

Upon maturity, given that the Fund was not earlier redeemed and the closing level of Euro Stoxx 50 Index at the final observation date is at or above the capital protection barrier, policyholders will receive 100% of their premium invested plus the yearly coupon of 3.50%, as described in the particular conditions.

The expected payoff is illustrated in the diagram below (see brochure for additional examples):

Fund payoff illustration:



The fund is suitable for the investor that:
  • is looking for a regular income. A fixed coupon of 3.50% p.a. will be paid regardless of how the underlying index performs.
  • does not expect the level of the Euro Stoxx 50, to be below 60% of its initial level on the final observation date. Based on current levels of the underlying index, the 60% capital protection risk barrier corresponds to price levels last seen during 2011.
  • is looking for an investment linked to a major European equity index.
  • can accept a holding period of up to three years. The early redemption feature allows the Fund, under certain conditions, to redeem earlier thus returning initial capital.


Risk information
  • Policyholders who invest in a currency different to the currency of the Fund (EUR) will be subject to currency risk.
  • Policyholders face the possibility of losing a significant portion of the principal amount invested if at maturity the Underlying Index drops more than 40% from the Fund Strike Date.
  • Policyholders, who need access to all or some of their initial investment before the termination of the product, may risk receiving less than their initial investment, subject to market conditions and exit fees.
  • Should the Fund be redeemed early policyholders have no right to future coupon payments.
  • If the issuer and/or its Guarantor (if any) defaults or becomes insolvent, the initial investment and any future coupon payments may be at risk and policyholders could lose some or all of their initial investment.


Ancoria is an established Insurance Company, founded in 1987. The Company services the saving and investment requirements of an extensive list of international clients by specialising in customised and carefully designed Life Insurance Policies that are underpinned by investment opportunities in a wide range of funds, structured products and equity trading.
Customer service
Phone: +357 22 551 300
Fax: +357 22 498 592
Sweden Toll-Free Number:
0200 110 130
Ancoria Insurance
P.O. Box 23415
1683 Nicosia

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At Ancoria, we believe in investing in children and their education as they are the future of this world. We thus aim to use our strength as a company to provide opportunities to gifted students from disadvantaged backgrounds.