Yes, as you grow older, your risk taking appetite reduces and you tend to be more conservative with investments. Considering your financial goals, you have the option of shifting your investments to funds with lesser equity exposure. Aviva offers the options of AAA (Automatic Asset Allocation) and STP (Systematic Transfer Plan) to reduce risk.

Mostly all life insurance companies offer the customer the option of investing in 4-5 basic funds -

• Secure: Progressive return on your investment by investing higher element in debt securities, with minimum exposure to equities
• Balanced: Capital growth by availing opportunities in debt and equity markets providing a customer with a good balance between risk and return.
• Growth: Higher capital growth by investing higher element of assets in the equity market
• Index: Aims to create long term wealth by investing in Nifty 50 companies and has a lower fund management charge as compared to other equity linked funds

Depending on your risk appetite and your objective for investment, you can decide which fund option to invest in.

Yes, we give you the flexibility of choosing how your money should be invested in terms of the risk and the security of the return on the investment. You can even alter your allocation proportion of your future premiums to different funds at anytime, and can also even switch between the funds.

The above material is provided for general information only and does not constitute legal or other professional advice. This information is current at the date of publication but may be subject to change without notice and accordingly, may not be up to date at the time of viewing. Information specific to a product may be obtained from the Company.