Branch 23

With Branch 23 group insurance products, you invest in funds without any insurer-guaranteed return (best efforts obligation). In other words, the return earned on these group insurance products is based purely on investment performance. At AG Employee Benefits & Health Care, you can choose from among our different Branch 23 investment funds based on your investor profile and risk appetite: are you willing take on more risk in exchange for a potentially higher return?

AG Employee Benefits & Health Care offers an extensive range of Branch 23 funds. You can be sure that you will always find the fund(s) that best meet(s) your needs.

• funds with a fixed asset allocation, in Europe or worldwide
• funds with a flexible or tactical allocation, worldwide
• funds under active or passive management

Discover our complete product line in Branch 23.

When you select an AG Employee Benefits Branch 23 solution, you get:

• a wide range of diversified funds
• access to the world's leading fund managers at all times
• attractive historical returns  
   

With our unique management approach, your funds will earn you an optimal return on investment. The underlying assets are actively managed by external experts mandated to manage a portion of assets held in these funds.

A highly diversified approach ensures that the funds generate consistent returns over the years:

 

Multi-asset

 

At AG Employee Benefits & Health Care, you get the benefit of investing in one or several asset classes. You can put your portfolio together yourself or opt for mixed funds and entrust this task to other people. 

 

Multi-style

 

The funds that we offer skilfully blend different styles and investment strategies, all in the interest of reducing risk. It's impossible to know in advance which strategy will be the most successful. With this balanced approach, you can be sure that your portfolio will reflect the most advantageous strategy at any given time. 

 

Multi-manager

 

We also do our utmost to offer you a best-in-class fund manager for each investment style. With the combined expertise of this "Dream Team", you can be sure to earn the best possible return on your group insurance investment. You can always count on a diversified fund, entrusted to the world’s best managers.

This short video explains how the multi-management strategy approach works:

At AG, we are convinced that sustainable and responsible investing is critical to a successful long-term investment strategy. Environmental, social and governance factors (a.k.a. ESG factors) can also have a real impact on investment risk and performance.

This is why AG's general investment policy (FR - NL) always takes ESG risk scores into account in its analysis before investing in certain companies, and also ensures that controversial sectors are excluded.

For interested investors, AG has developed Branch 23 (FR - NL) products that take the approach to sustainable and responsible investing even further.