MEGA DZ Investment Plan
MEGA DZ is a two-year investment plan designed jointly by DZ Bank Polska S.A. and Gerling Polska Życie S.A., combining the advantages of investing savings in investment funds with the safety of an insurance policy.
MEGA DZ offers the choice of one or several investment funds from among 29 funds managed by six TFIs (Investment Fund Societies), including three insurance funds of Gerling Polska Życia S.A., managed by Credit Suisse Asset Management S.A. During the term of the plan funds may be swapped without a need to pay capital gains tax (the "Belka's tax" is deferred until investment liquidation) and without additional fees. Moreover, the savings accumulated may be transferred to another person without being subject to inheritance and donation tax or being added to legitim. They are also partially exempt from court execution.
MEGA DZ means:
returns potentially higher than with a bank deposit but with a smaller risk than personal investment in securities,
carefully selected investment funds managed by Investment Fund Societies such as BPH, DWS, ING, SEB, Skarbiec and Union Investment,
flexibility - funds may be swapped up to 12 times a year without fees, making the money work more effectively,
no tax charged until contract expiration - more effective use of capital,
access to accumulated capital during the contract term,
full viewing access to the investment on the individual bank account through a webpage.
The minimum investment under MEGA DZ is PLN 20,000. The agreement is concluded for two years, but there are no limitations on partial redemptions at any time during the contract term.
