HELPLINE: 
Three flexible options for international investors
What it is. A Luxembourg assurance vie is a life insurance investment wrapper offering tax efficiency, asset protection and estate planning benefits.
The details. There are three main ways to manage your policy:
- The Collective Internal Fund is a pooled fund managed by an asset manager that is suitable for standard risk profiles. Multiple policyholders invest together in the same strategy and you buy units proportional to your investment, often from €125,000.
- The Dedicated Internal Fund is a tailor-made fund created exclusively for you. It is managed by a discretionary portfolio manager (ie, a private bank) and offers full flexibility to define your investment strategy, currency and asset allocation. The minimum investment typically starts at €250,000-€500,000 and it is ideal for clients seeking bespoke portfolio management.
- The Specialised Insurance Fund is a dedicated portfolio where the policyholder can directly choose and appoint the asset manager or even manage investments themselves (under insurer supervision). It offers high flexibility (including alternative assets such as hedge funds) and the minimum investment threshold is usually around €250,000.
Get in touch if you need help structuring your assurance vie to suit your financial goal.