Signal Iduna 101 Invest
What Is 101 Invest?
Signal Iduna 101 Invest is a long-term savings investment in the form of a unit-linked life insurance. It is recommended for those who have regular amounts available that they prefer not to spend on everyday expenses, but instead want to build a larger capital over time.
Unlike traditional savings accounts, 101 Invest combines flexible access, professional fund management, tax advantages, and inheritance protection — all in a fully digital, euro-denominated structure regulated under European law.
About Signal Iduna Group
The SIGNAL IDUNA Group is one of Germany's largest financial groups. Founded in 1907 and headquartered in Dortmund & Hamburg, it has earned an excellent reputation as a strong and reliable provider of insurance and financial services, offering a wide range of solutions — insurance, banking, and investments — to both individual and corporate clients.
Signal Iduna in Romania
Key Benefits of the Product
- Capital accumulation with no fixed term — no need to commit to 15 or 20 years; savings are accessible during the plan for current needs.
- Investment funds regulated by European markets, denominated in euros — no currency or regulatory risk.
- No withholding tax on investment returns.
- Inheritable — not subject to probate proceedings; neither the state nor the tax authority can access the savings.
- Flexible contributions — monthly amounts can be reduced or increased to match changing financial circumstances.
- Accessible for partial withdrawals after the first 2 years for intermediate goals.
- Lump-sum top-ups: additional deposits can be made at any time when extra funds are available.
Guarantee Protection
Thanks to the insurer's backing, each policyholder is protected by the FGA (Fondul de Garantare a Asiguraților) up to €100,000 per person in the event of insolvency.
Available Funds – Performance Overview
Signal Iduna offers access to professionally managed investment funds from two leading European asset managers: HANSAINVEST and SIFI (Signal Iduna Fund Invest). All funds are European-regulated and euro-denominated, with different risk profiles to suit every investor.
| Fund | Risk Profile | Expected 10Y Return (p.a.) |
|---|---|---|
| SI BestSelect A | Low–Medium | 5.5% – 8.0% |
| HANSAdynamic A | Low–Medium | 6.5% – 9.0% |
| HANSAcentro | Low–Medium | 4.5% – 6.5% |
| HANSAsmart Select E | Medium | 7.5% – 11.5% |
| NB Aktien Global R | Medium–High | 9.0% – 13.5% |
| NB Aktien Europa R | Medium–High | 10.0% – 14.5% |
| TBF Global Income EUR R | Medium | 3.5% – 5.5% |
| SIFI USA Equity FoF | Low–Medium | 10.0% – 14.5% |
Detailed Fund Descriptions
A globally diversified fund of funds investing primarily in equity markets across Europe, North America, Asia, and global ETFs. Designed for long-term capital growth with professional multi-manager diversification.
A dynamic multi-asset fund of funds with a global focus, blending European and North American equities with Asian and global allocations. Includes a global pension fund allocation for additional stability.
A balanced, diversified fund with a significant fixed-income component alongside global equities. Suitable for investors seeking steady growth with lower volatility, combining pension funds and equity exposure.
An equity-focused fund investing in global financial services, consumer goods, and utilities. Strong long-term track record with the highest cumulative return since launch among all HANSAINVEST funds available here.
A sustainable global equity fund focusing on companies with strong ESG business models. 92% equities covering global markets with concentration in the USA (62.5%), Japan (11.3%), and Germany (6%). Top holdings include NVIDIA, Apple, Microsoft, Amazon.
A European equity fund investing in companies headquartered in Europe, diversified by country, sector, and market cap. 98% equities. Top holdings include Novo-Nordisk, ASML, Nestlé, Schneider Electric, ABB.
A defensive mixed fund investing globally in equities and corporate, convertible, and government bonds. 73% bonds/pension, providing stable returns with lower equity risk. Launched in 2012 — one of the most experienced funds in the portfolio.
Invests in North American markets through a diversified basket of ETFs from the world's largest asset managers. Tracks the S&P 500 benchmark. ETF providers: BlackRock (34%), State Street (22%), JPMorgan (16%), Vanguard (9%), Franklin Templeton (7%), Legal & General (7%).
Calculation Scenarios
Capital growth without indexation, modelled exclusively on the invested amount and an expected annual return of 10%. The contribution amount stays constant throughout the duration of the plan.
The regular contribution grows by 5% per year (indexation), which counteracts the effects of inflation and significantly increases the long-term final sum. Indexed contributions produce materially higher capital at maturity.
How It Works Day-to-Day
Mobile Tracking
Via the Signal Care Assistant Business app, track your investment status, contributions, and portfolio performance from your mobile device at any time.
Fund Switching
Allocations can be changed freely between the available funds at any time through the online platform or app, at no extra cost.
Partial Withdrawals
After the first 2 years, partial withdrawals are permitted for intermediate financial goals — without closing the policy.
Fully Digital Process
Contracting, contributions, reporting, and changes are all handled 100% digitally — no physical paperwork required.
Payment Options
Why This Is the Right Choice
Signal Iduna 101 Invest
For Lars & Mónika Juel, 101 Invest provides the combination of flexibility, professional management, and structural discipline that long-term wealth building requires. With no fixed commitment period, euro-denominated European-regulated funds, and full digital access, it removes the friction and complexity that prevents most people from building meaningful capital.
The tax advantage on investment returns, inheritance protection outside of probate, and access to professionally managed funds across multiple risk profiles means this product delivers institutional-grade wealth accumulation in an accessible, flexible format.