* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
Total cost indicators (TCI) of our products
You can learn about the TCI values of the HUF-based Allianz Life Programs, the EUR-based Allianz Life Programs, and products with pension insurance clauses.
The MNB website contains the TCI values of all insurers’ products.
HUF-based Allianz Life Programs
Allianz Life Programs
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| 5-year TCI | 10-year TCI | 15-year TCI | 20-year TCI |
| - | 2,61%*-3,49%* | 2,02%*-2,92%* | 1,77%*-2,67%* |
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|
Asset funds
|
5-year TCI
|
10-year TCI*
|
15-year TCI*
|
20-year TCI*
|
Remark
|
|---|---|---|---|---|---|
| Money Market HUF asset fund | 2,61% | 2,02% | 1,77% | ||
| Hungarian Bond asset fund | 2,62% | 2,03% | 1,78% | ||
| Hungarian Stock asset fund | 2,92% | 2,33% | 2,08% | ||
| European Bond asset fund | 2,97% | 2,38% | 2,14% | ||
| European Stock asset fund | 2,78% | 2,19% | 1,94% | ||
| World Economy Stock asset fund | 3,04% | 2,45% | 2,21% | ||
| Russia and Eastern Europe Stock asset fund | 3,10% | 2,52% | 2,28% | ||
| China and Far East Stock asset fund | 3,28% | 2,71% | 2,46% | ||
| Industrial Raw Materials Stock asset fund | 3,29% | 2,72% | 2,47% | ||
| Environmentally Conscious Stock asset fund | 3,15% | 2,57% | 2,33% | ||
| Demographics Stock asset fund | 3,49% | 2,92% | 2,67% | ||
| BRIC Stock asset fund | 3,49% | 2,92% | 2,67% | ||
| Allianz Managed asset fund | 3,36% | 2,79% | 2,54% | ||
| Money Market Euro asset fund | 2,61% | 2,02% | 1,77% | ||
| Target Date 2025 Mixed asset fund | 2,92% | 2,33% | 2,08% | ||
| Target Date 2030 Mixed asset fund** | 3,00% | 2,41% | 2,17% | ||
| Target Date 2035 Mixed asset fund** | 2,99% | 2,40% | 2,16% | ||
| Target Date 2040 Mixed asset fund** | 3,06% | 2,48% | 2,24% | ||
| Active Managed Balanced asset fund | 3,39% | 2,82% | 2,57% | ||
| Active Managed Yield-seeking asset fund | 3,42% | 2,85% | 2,60% |
* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
Allianz Bonus Life Program
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| 5-year TCI | 10-year TCI | 15-year TCI | 20-year TCI |
| - | 2,83%*-3,67%* | 1,76%*-2,62%* | 1,38%*-2,25%* |
*For terms extending beyond the expiry date of the target date, the TCI has been determined with a methodology assuming that the asset fund does not terminate on the expiry date.
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|
Asset funds
|
5-year TCI
|
10-year TCI*
|
15-year TCI*
|
20-year TCI*
|
Remark
|
|---|---|---|---|---|---|
| Money Market HUF asset fund | 2,82% | 1,76% | 1,38% | ||
| Hungarian Bond asset fund | 2,84% | 1,77% | 1,39% | ||
| Hungarian Stock asset fund | 3,12% | 2,06% | 1,69% | ||
| European Bond asset fund | 3,17% | 2,11% | 1,73% | ||
| European Stock asset fund | 2,99% | 1,92% | 1,55% | ||
| World Economy Stock asset fund | 3,24% | 2,17% | 1,80% | ||
| Russia and Eastern Europe Stock asset fund | 3,30% | 2,24% | 1,87% | ||
| China and Far East Stock asset fund | 3,47% | 2,41% | 2,04% | ||
| Industrial Raw Materials Stock asset fund | 3,48% | 2,42% | 2,05% | ||
| Environmentally Conscious Stock asset fund | 3,35% | 2,29% | 1,92% | ||
| Demographics Stock asset fund | 3,67% | 2,62% | 2,25% | ||
| BRIC Stock asset fund | 3,67% | 2,62% | 2,25% | ||
| Allianz Managed asset fund | 3,55% | 2,49% | 2,12% | ||
| Money Market Euro asset fund | 2,83% | 1,76% | 1,38% | ||
| Target Date 2025 Mixed asset fund** | 3,12% | 2,06% | 1,69% | ||
| Target Date 2030 Mixed asset fund** | 3,20% | 2,13% | 1,76% | ||
| Target Date 2035 Mixed asset fund** | 3,19% | 2,12% | 1,75% | ||
| Target Date 2040 Mixed asset fund** | 3,26% | 2,20% | 1,83% | ||
| Active Managed Balanced asset fund | 3,58% | 2,52% | 2,15% | ||
| Active Managed Yield-seeking asset fund | 3,61% | 2,55% | 2,18% |
* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
EUR-based Allianz Life Programs
Allianz Life Programes - Euro
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| 5-year TCI | 10-year TCI | 15-year TCI | 20-year TCI |
| - | 2,94%-3,69% | 2,31%-3,07% | 2,04%-2,81% |
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|
Asset funds
|
5-year TCI
|
10-year TCI
|
15-year TCI
|
20-year TCI
|
Remark
|
|---|---|---|---|---|---|
| Secure Bond Euro asset fund | 2,94% | 2,31% | 2,04% | ||
| European Bond Euro asset fund | 3,12% | 2,49% | 2,24% | ||
| European Stock Euro asset fund | 2,98% | 2,36% | 2,09% | ||
| World Economy Stock asset fund | 3,18% | 2,55% | 2,29% | ||
| BRIC Stock Euro asset fund | 3,69% | 3,07% | 2,81% | ||
| Sustainable Growth Stock Euro asset fund | 3,59% | 2,97% | 2,71% |
Allianz Bonus Life Programs - Euro
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| 5-year TCI | 10-year TCI | 15-year TCI | 20-year TCI |
| - | 3,06%-3,78% | 1,87%-2,59% | 1,41%-2,13% |
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|
Asset funds
|
5-year TCI
|
10-year TCI
|
15-year TCI
|
20-year TCI
|
Remark
|
|---|---|---|---|---|---|
| Secure Bond Euro asset fund | 3,06% | 1,87% | 1,41% | ||
| European Bond Euro asset fund | 3,24% | 2,05% | 1,59% | ||
| European Stock Euro asset fund | 3,11% | 1,92% | 1,59% | ||
| World Economy Stock asset fund | 3,30% | 2,11% | 1,65% | ||
| BRIC Stock Euro asset fund | 3,78% | 2,59% | 2,13% | ||
| Sustainable Growth Stock Euro asset fund | 2,50% | 2,04% |
Our products with a pension insurance clause
In the case of pension insurance products, the TCIP calculation method differs to the extent that the insurer calculates with a 45, 50 or 55 year-old insured person for regular premium contracts and a 45, 55 or 60 year-old insured person for single-premium contracts, with the respective 20, 15, 10-year and 20, 10, 5-year insurance periods. By taking the special features of the product (i.e. it provides the benefit typically upon retirement) into account, this calculation method provides more accurate information for clients.
* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
The product complies with the TCIP limits in the MNB recommendation on pension insurance products.
Allianz Life Programs
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| 5-year TCIP | 10-year TCIP | 15-year TCIP | 20-year TCIP |
| - | 2,61%*-3,49%* | 2,02%*-2,92%* | 1,77%*-2,67%* |
* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
The product complies with the TCIP limits in the MNB recommendation on pension insurance products.
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|
Asset funds
|
5-year TCIP
|
10-year TCIP
|
15-year TCIP*
|
20-year TCIP*
|
Remark
|
|---|---|---|---|---|---|
| Money Market HUF asset fund | 2,61% | 2,02% | 1,77% | ||
| Hungarian Bond asset fund | 2,62% | 2,03% | 1,78% | ||
| Hungarian Stock asset fund | 2,92% | 2,33% | 2,08% | ||
| European Bond asset fund | 2,97% | 2,38% | 2,14% | ||
| European Stock asset fund | 2,78% | 2,19% | 1,94% | ||
| World Economy Stock asset fund | 3,04% | 2,45% | 2,21% | ||
| Russia and Eastern Europe Stock asset fund | 3,10% | 2,52% | 2,28% | ||
| China and Far East Stock asset fund | 3,28% | 2,71% | 2,46% | ||
| Industrial Raw Materials Stock asset fund | 3,29% | 2,71% | 2,47% | ||
| Environmentally Conscious Stock asset fund | 3,15% | 2,57% | 2,33% | ||
| Demographics Stock asset fund | 3,49% | 2,92% | 2,67% | ||
| BRIC Stock asset fund | 3,49% | 2,92% | 2,67% | ||
| Allianz Managed asset fund | 3,36% | 2,79% | 2,54% | ||
| Money Market Euro asset fund | 2,61% | 2,02% | 1,77% | ||
| Target Date 2025 Mixed asset fund** | 2,92% | 2,33% | 2,08% | ||
| Target Date 2030 Mixed asset fund** | 3,00% | 2,41% | 2,17% | ||
| Target Date 2035 Mixed asset fund** | 2,99% | 2,40% | 2,16% | ||
| Target Date 2040 Mixed asset fund** | 3,06% | 2,48% | 2,24% | ||
| Active Managed Balanced asset fund | 3,39% | 2,82% | 2,57% | ||
| Active Managed Yield-seeking asset fund | 3,32% | 2,85% | 2,60% |
* Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
**For terms extending beyond the expiry date of the target date, the TCI has been determined using a methodology assuming that the asset fund does not terminate on the expiry date.
Allianz Bonus Life Programs
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| 5-year TCIP | 10-year TCIP | 15-year TCIP | 20-year TCIP |
| - | 2,83%*-3,67%* | 1,76%*-2,62%* | 1,38%*-2,25%* |
The product complies with the TCIP limits in the MNB recommendation on pension insurance products.
*Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
*Calculated using the 3% mandatory (fixed) index for the regular premium of the contract.
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|
Asset funds
|
5-year TCIP
|
10-year TCIP*
|
15-year TCIP*
|
20-year TCIP*
|
Remark
|
|---|---|---|---|---|---|
| Money Market HUF asset fund | 2,83% | 1,76% | 1,38% | ||
| Hungarian Bond asset fund | 2,84% | 1,77% | 1,39% | ||
| Hungarian Stock asset fund | 3,12% | 2,06% | 1,69% | ||
| European Bond asset fund | 3,17% | 2,11% | 1,73% | ||
| European Stock asset fund | 2,99% | 1,92% | 1,55% | ||
| World Economy Stock asset fund | 3,24% | 2,17% | 1,87% | ||
| Russia and Eastern Europe Stock asset fund | 3,30% | 2,24% | 1,87% | ||
| China and Far East Stock asset fund | 3,47% | 2,41% | 2,04% | ||
| Industrial Raw Materials Stock asset fund | 3,48% | 2,42% | 2,05% | ||
| Environmentally Conscious Stock asset fund | 3,35% | 2,29% | 1,92% | ||
| Demographics Stock asset fund | 3,67% | 2,62% | 2,25% | ||
| BRIC Stock asset fund | 3,67% | 2,62% | 2,25% | ||
| Allianz Managed asset fund | 3,55% | 2,49% | 2,12% | ||
| Money Market Euro asset fund | 2,83% | 1,76% | 1,38% | ||
| Target Date 2025 Mixed asset fund** | 3,12% | 2,06% | 1,69% | ||
| Target Date 2030 Mixed asset fund** | 3,20% | 2,13% | 1,76% | ||
| Target Date 2035 Mixed asset fund** | 3,19% | 2,12% | 1,75% | ||
| Target Date 2040 Mixed asset fund** | 3,26% | 2,20% | 1,83% | ||
| Active Managed Balanced asset fund | 3,58% | 2,52% | 2,15% | ||
| Active Managed Yield-seeking asset fund | 3,61% | 2,55% | 2,18% |
*A szerződés rendszeres díjára vonatkozó, 3%-os kötelező (rögzített) index figyelembevételével történt a számítás.
**A céldátum lejárati dátumánál hosszabb tartamokra a TKM olyan módszertannal került meghatározásra, mintha az eszközalap nem szűnne meg a lejárati dátumnál.
**A céldátum lejárati dátumánál hosszabb tartamokra a TKM olyan módszertannal került meghatározásra, mintha az eszközalap nem szűnne meg a lejárati dátumnál.
Allianz Care Program
The regular premium of the product is 100% risk insurance premium; the regular premiums are not invested; hence, the TCI is not applicable for this product.
Allianz Care Program Plus
The regular premium of the product is 100% risk insurance premium; the regular premiums are not invested; hence, the TCI is not applicable for this product.
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