PLN UniLokata
Under the PLN UniLokata investment plan everyone may choose the most convenient way of investing assets. According to its terms, 50% of participant's savings is put into a three, six or twelve month deposit while the remaining 50% may be invested in any of the Union Investment funds.
The fixed interest deposit offered by DZ BANK Polska is meant to ensure to the Client certain profit which is transferred to a bank account after the lapse of the declared deposit term. Additional profits come from the funds which invest entirely or partially in equities: UniKorona Akcje FIO (investing up to 100% in the stock of Polish companies) or UniKorona Zrównoważony FIO (investing partly in Polish companies stock and partially in bonds).
Investment in the fund is indefinite, which means that expiration of the deposit term will not result in termination of the investment in the fund. In order to generate the highest possible profit, it is recommended that assets be kept in the fund for a longer period than in the case of the deposit. Especially that funds of that type report excellent investment results over a span of a few years, receiving numerous rewards for their performance. In the Rzeczpospolita 2006 ranking UniKorona Zrównoważony FIO was the leader in the balanced funds category (1st among nine). In 2005, UniKorona Zrównoważony FIO was voted the best balanced fund by the Profit/Forbes monthly. In 2004, UniKorona Akcje FIO came first in the BusinessWeek Polska ranking.
An additional benefit of the Plan is a discount in the load charged by investment funds. The discount depends on the deposit tenor and is 20%, 30% or 40%, respectively, for three, six and 12 month deposits.
The PLN UniLokata Plan is addressed to natural persons and the required minimum investment amount is PLN 10,000.
