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Financial insurance solutions can help you meet your tax, succession and protection needs, and those of your loved ones.

Make the best plans for the future with your Personal Financial Advisor. At Fineco you can find versatile solutions full of benefits.

A response to different and complex needs

Cannot be foreclosed or seized according to the terms of the law.
Taxation is postponed until the time of redemption or death.
You can choose the beneficiary, even outside the hereditary axis, and the policy is not subject to succession taxes.
A capital that can be destined to your loved ones to cope with the unforeseeable events of life.

Handle markets with method

CORE Multiramo Target

Start with 90% of your investment in the separate Management. Periodical switches will increase share exposure step by step through an Internal Insurance Fund, reaching the final asset allocation chosen by you. That way you enter the market gradually limiting emotionality.

SM: Separate Management - IIF: internal Insurance Fundo

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Protection, opportunity and efficiency

CORE Multiramo Extra

The principles of financial planning in a single product. Thanks to the separate management (GIS) component you can keep capital you want to protect safe; and grasp market opportunities with the internal insurance funds (FIA) component, managed controlling volatility at all times.

Balance in a single product

CORE Multiramo

The principles of financial planning summarized in a single product. Thanks to the separate management component, you can secure the capital you want to protect, and with the component in funds you can capture market opportunities.

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Method, control and rebalancing
of the portfolio

Advice Unit Target and CORE Unit Target

Protection, diversification, tax and succession advantages.
You start from a low volatility investment and, thanks to free monthly or quarterly switches, build a portfolio with the desired risk profile, maintaining it over time through automatic quarterly rebalancing.

The value of customization

CORE Unit

Choose from the CORE Block, portfolios designed for specific investment objectives and the Building Blocks,for a tailor-made investment ranging across geographic areas, sectors, and categories. Otherwise, the CORE Selections are a careful selection of funds from the major international investment houses.

Alternatively, you can choose to subscribe to the Internal Insurance Funds (FIAs) managed automatically through a constant volatility monitoring.

Advertising message for promotional purposes. To view all the terms and conditions for the advertised services, please refer to the information sheet and required under current regulations. All services require the client to open a Fineco current account.

CORE Multiramo is a Whole Life insurance policy with a Single Multi-segment Premium created by Aviva S.p.A. (www.aviva.it, hereinafter also the Company), distributed since 6 October 2015 exclusively for Fineco customers. It is the combination of a profit sharing insurance product and a unit linked financial-insurance product. For details of the characteristics, risk and cost of the product, before subscribing, please read carefully the Information Sheet, available on the website finecobank.com or from the Personal Financial Advisors of the Bank. The degree of financial risk of the product varies depending on the distribution of the capital invested in the UCIs and in the Internal Separate Account: for the part invested in the Internal Separate Account, the Company guarantees preservation of the capital, paying a guaranteed minimum interest rate of 0% for the duration of the contract, while for the part invested in UCIs there is no guarantee of capital or minimum return paid by the Company; the contracting party, therefore, assumes the financial risk associated with the negative performance of said UCI units. It is therefore possible to obtain a total or partial redemption value less than the premiums paid or capital, in the event of death of the insured party, less than the premiums paid; in the event of total or partial redemption, moreover, exit penalties may be envisaged. The costs levied on the premiums paid and those levied on the Internal Separate Account and by the UCIs reduce the performance.

Advice Unit Target and Core Unit Target are two full-life unit-linked insurance policies by Eurovita S.p.A., which pay a capital sum on the death of the Policyholder. Before signing, read the terms and conditions of the policy and the summary sheet available from financial advisors authorized to offer products externally and on the website of the insurance company www.eurovita.it. The total benefit paid in both products cannot in any case exceed €50,000. There is no financial guarantee on performance, so the amount payable on the death of the policyholder is not set in advance and may be more or less than the premiums paid. The premium includes costs relating to insurance coverage and any other additional and optional coverage, redemption costs and costs incurred by internal funds.

Core Unit is a unit-linked financial-insurance product created by Eurovita S.p.A., exclusively for Fineco customers. It is a whole-life insurance policy involving investment – as chosen by the investor-policyholder – in harmonised and non-harmonised Collective Investment Undertakings (CIUs) in Italy or overseas (“external funds”) and/or in model portfolios (Building Block selection and Core Block strategy), comprising an external fund allocation decided by the insurance company. Before signing, please read carefully the Offer Prospectus and policy conditions available on the website finecobank.com and from FinecoBank Personal Financial Advisors, and also on the website of the insurance company www.eurovita.it. In relation to investments in external funds, the policy carries financial risks for the investor-policyholder relating to the the performance of the unit value of the units of such funds, including: the possibility of obtaining a total redemption value that is less than the premiums paid; the possibility of obtaining a capital sum in the event of death of the insured party that is less than the premiums paid.

Core Multiramo Extra: Extra is a Multi-branch Single Premium Full Life insurance contract, created by Aviva S.p.A. www.aviva.it (hereinafter also the company), distributed since April 2018 solely to Fineco customers. It is the combination of an insurance product with participation in profits and a unit-linked financial-insurance product, To know more about product characteristics, risks and costs, before underwriting please read the Information Folder carefully; available on the website www.finecobank.com, c/o the Bank’s Personal Financial Advisers The product’s financial risk level varies based on the the division of capital invested between FIA and the GIS (Internal Separate Management): for the part invested in the GIS, the Company guarantees preservation of capital acknowledging a minimum guaranteed rate of 0% for the entire duration of the contract; whereas for the part invested in FIA there is no capital guarantee or minimum yield provided by the Company. Therefore, the contracting party assumes the financial risk connected to the share value negative trend of the FIA itself. You can therefore have a lower total or partial redemption value than premiums paid or capital, if the insured party should die, that is lower than premiums paid. Moreover, with full or partial redemption, exit sanctions could be foreseen. Costs deducted on premiums paid and those taken from the Internal Separate Management and by the FIA reduce the service amount.

Core Multiramo Target: is a Multi-branch Single Premium Full Life insurance contract created by Aviva S.p.A. (hereinafter also the company), distributed since April 2018 solely to Fineco customers. It is the combination of an insurance product with participation in profits and a unit-linked financial-insurance product, foreseeing management by the Company (“Data Target Plan”), through automatic switches, finalised to increase risk progressively and the yield potential of the contract itself over time. The contract foresees gradual disinvestment from a predefined starting combination formed by an Internal Separate Management(GIS) and an Internal Insurance Fund (FIA) and investment in a predefined resulting combination. To know more about product characteristics, risks and costs, before underwriting please read the Key Information Document - KID and the Information Folder carefully; both available on the website www.finecobank.com, c/o the Bank’s Personal Financial Advisers and on the website www.aviva.it The minimum single premium amount is 10,000 euro. The product’s financial risk level varies based on the the division of capital invested between FIA and GIS: for the part invested in the GIS, the Company guarantees preservation of capital acknowledging a minimum guaranteed rate of 0% for the entire duration of the contract; whereas for the part invested in FIA there is no capital guarantee or minimum yield provided by the Company. Therefore, the contracting party assumes the financial risk connected to the negative share value trend of the FIA itself. You can therefore have a lower total or partial redemption value than premiums paid or capital, if the insured party should die, that is lower than premiums paid. Moreover, with full or partial redemption, exit sanctions could be foreseen. Costs deducted on premiums paid and those taken by the Internal Separate Management and by the FIA reduce the service amount.

All products and services offered by the Bank require the client to open a Fineco current account.

Versione italiana

Fineco desidera informare i propri Clienti residenti o aventi sede legale e/o operativa in uno dei comuni interessati dagli eventi calamitosi del 26 Dicembre 2018 che hanno colpito il territorio dei Comuni di Aci Bonaccorsi, Milo, Trecastagni, Aci Catena, Aci Sant’Antonio, Acireale, Santa Venerina, Viagrande e Zafferana Etnea, in provincia di Catania, della facoltà di richiedere la sospensione del pagamento delle rate dei mutui ipotecari relativi a edifici distrutti o inagibili anche parzialmente, ovvero alla gestione di attività di natura commerciale ed economica svolta negli stessi edifici.
L’iniziativa prevede che il Cliente che si trovi in condizione di difficoltà per i danni subiti dall’immobile, ferma restando la regolarità del piano dei pagamenti, possa richiedere la sospensione del pagamento delle rate dei mutui (quote capitale e quote interesse) fino alla ricostruzione, all’agibilità o all’abitabilità del predetto immobile e comunque non oltre la data di cessazione dello stato di emergenza.
La domanda di sospensione dovrà essere presentata entro il 15 Febbraio 2019 e dovrà essere assistita da un’autocertificazione che attesti il danno subito dall’immobile per cui si richiede l’attivazione della sospensiva, resa ai sensi del D.P.R. 28.12.2000, n. 445.

La sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria. Resta inteso che, nel periodo di sospensione, non si procederà con alcuna segnalazione alle Banche Dati relativa alle rate sospese.
Le rate sospese inizieranno a decorrere al termine del periodo di ammortamento originariamente previsto dal finanziamento, mantenendo la loro attuale periodicità. Il piano di ammortamento si allungherà dunque di un periodo pari a quello per cui si è interrotto.
L’esercizio sarà gratuito e non oneroso, ovvero non saranno addebitati interessi maturati durante il periodo di sospensione. Inoltre potrà essere revocata dal mutuatario in qualsiasi momento.
Per maggiori informazioni nonché per richiedere la sospensione delle rate, è possibile contattare il Customer Care.