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.

We offer a bouquet of conventional as well as new age funds. With defined objective they offer an excellent opportunity to invest in some of the most sought after sectors.

• Protector-II: Progressive return on your investment by investing higher element in debt securities, with minimum exposure to equities
• Balanced-II: Capital growth by availing opportunities in debt and equity markets providing a customer with a good balance between risk and return.
• Growth-II: Higher capital growth by investing higher element of assets in the equity market
• Index-II: 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
• Enhancer-II: Aims to provide long term capital growth by aggressively investing in equity market
• Infrastructure Fund: Investment in infrastructure and related equities for higher capital growth with steady returns
• PSU Fund: Aims to provide steady returns and capital growth through investment in PSU and related equities
• Dynamic P/E Fund: To provide long term capital appreciation through dynamic asset allocation between Debt and Equity. The allocation to Equity and Equity Related Securities is determined with reference to the Forward Price Earning (P/E) multiple of the NSE S & P CNX Nifty index.

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.