PREDNOSTI I NEDOSTACI NOVIH OSIGURAVAJUĆIH PROIZVODA-METOD GODIŠNJE STOPE TROŠKOVA
ADVANTAGES AND DISADVANTAGES OF NEW INSURANCE PRODUCTS-METHODS ANNUAL COSTS RATE

Summary/Abstract: The insurance related to the units of investment funds allows achieving higher yields compared to other life insurance, but it is necessary to bear in mind that this yield is weighted by a particular expense which must be taken into account when concluding the contract of a specific product. These costs are: administrative costs, the difference to the purchase and sale of the course, the initial cost, the cost of managing the investment funds, the price of the insured risks and the cost of changes to the investment fund. The most significant are the costs of managing the investment of the Fund and the initial cost. For easier understanding of the cost structure of the product introduced by the ratio of the total annual costs (Annual Cost Rate) that one number expresses the height of costs in relation to the amount of bang for your buck.

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