iDARE (insurance Dynamic Asset Rebalancing)

Individual

NAV

	15/05	14/05
Fixed Income II	1163.72	1168.07
Money Market II	1035.07	1035.26
Equity II	1003.26	1004.47

	15/05	14/05
Fixed Income I	1183.52	1191.39
Money Market I	1069.56	1069.50
Equity I	1177.20	1179.16

	15/05	14/05
Fixed Income II	1163.72	1168.07
Money Market II	1035.07	1035.26
Equity II	1003.26	1004.47

	15/05	14/05
Fixed Income II	1163.72	1168.07
Money Market II	1035.07	1035.26
Equity II	1003.26	1004.47

	15/05	14/05
Equity	1639.55	1641.81
Fixed Income	1312.57	1317.54
Money Market	1082.13	1082.27

	15/05	14/05
Money Market V	999.29	999.23
Fixed Income V	985.66	989.18
Equity V	977.79	979.11

Are we able to read the future? Is there any guarantee that the economic condition will go as we wish, in good condition at all times?

Well, in this world of uncertainty, we need a worry-free investment plan… It’s time for us to build investment portfolio with managed risk.

And, Generali Indonesia through DBS Indonesia Bank offers the one and only Unit Linked product with Auto Risk Management System called iDARE - insurance Dynamic Asset Rebalancing.

iDARE is a Single Premium Unit Linked product with 3 Risk Management Facilities;

1. Auto Trading

Auto – Trading is a feature that serves to monitor and maintain the performance of your investment portfolio in accordance to purpose of your investment – automatically – from time to time. This feature helps you to obtain all investments you've earned when your investment objective has been achieved, and / or secure the entire value of the investment you have gained from further downside risks which may go beyond the level of risk that you can accept.

2. Auto Balancing

Auto – Balancing is a feature that serves to maintain the Asset Allocation Investment Portfolio according to your own risk profile – automatically and consistently – from time to time. This feature is useful to ensure your investment risk exposure is in accordance to the level of risk you can accept.

3. Auto Re-Entry

Auto Re-Entry is a feature that works to Re-invest to your previous portfolio which has been obtained and / or secured - automatically – in accordance to your Risk Profile and Investment Objectives. This feature is – indirectly – has helped you to gain right momentum when the price of investing is in accordance with the expected price.

The advantage of this product for you

2 (two) benefits within 1 (one) product:
1. Investment Portfolio Growth associated with the optimal market risks under control and adequate liquidity
2. Protection of life until the age of 99 years, and up to 65 years for an additional Personal Accident Insurance (if additional insurance)

All Information Technology based auto risk management system features are free of charge for the convenience of personal financial planning
Competitive Transaction costs
Easy underwriting process
Periodic Investments results report

Options for Your Single Premium Allocation
You may determine the benefits you want by determining the Single Premium allocation as follow:

Min. Total Premium : Rp.100.000.000 consisting of :
Min. Basic : IDR. 25.000.000,-	Min.Top-Up: IDR 75.000.000,-

Note :

Investment Portfolio = Basic Premium + Premium Top-Up
Life Protection Benefit:
1. 125% x Basic Premium
2. 250% x Basic Premium - If death caused by accident (If you purchase additional Personal Accident Insurance)

Minimum next Top up Rp 5.000.000

Options for your Investment Portfolio Asset Allocation
Choices of the investment funds allocation amount that can be chosen by customers are as follow:

Type of Investment Fund

Invested on

Target Composition

Generali Money Market I

100% Money Market

100%

Generali Fixed Income I

80% - 100% Fixed Income Fund

0% - 20% Moaney Market

95%

DBS Indonesia Bank as the custodian bank

Competitive Cost

Free of charge to all major facilities iDARE (Auto Trading,Auto Re Entry, dan Auto Balancing)
Free administration fee
Entry Fee up to 2 %.
Cost of Insurance (rated based on age and gender)
Management Fee

Generali Money Market Fund I	s/d 2
Generali Fixed Income Fund I	s/d 2,1 %

For Non Auto Balancing = Free of charge for the first 6 switchings in a year. Rp 100,000 is chargeable for the 7th switching onward.
For Auto Balancing = Free of Charge
Minimum switching 1,000 units for Non Auto Balancing, No minimum balance required in the fund account after switching
Single Premium Top Up fee 2% per transaction
Withdrawal and Surrender before the first anniversary of the policy will be charged according to the following percentage: Withdrawal and surrender the basic premium amount exceeds the initial base premium (effective multiplication) will be charged 10% of the difference between the cumulative amount of funds net premiums initial base.

Risk Product :

Liquidity Risk
Risks which relates to the difficulty for investor to liquidate their investment. This risk might occur in case where withdrawal of investment in large amount done in one or several days in a row that may cause difficulties for fund managers to sell the investment portfolio to pay off the withdrawal.

Value Units Reduction Risk
Losses that arise when the investment value declining. This loss will not occur if the funds withdrawn is higher than the unit price applied during the initial purchase.

Operational Risk
Potential loss that may occur from a lack of internal control, human error, system failure, and execution risk as well as other events occurred beyond the control.

Market risk
Risks that arise due to economic changes or other things that may resulting a decrease in the net asset value portfolio

Other Annotation:

During 14 (fourteen) days after policy being issued, 100% of the funds paid by the policyholders will be placed in the Generali Money Market II. The period is called Free Look Period.

After the Free Look Period ends, the funds allocation will be adjusted in accordance to the Asset Allocation which has been stated by the Policy Holder, related to the Investment Objectives and Risk Profile of the Policy Holder.

For further information please contact the nearest DBS Bank branch near you:

DBSI Thamrin
Tel. (021) 3002 8688
Fax. (021) 390 3383

DBSI Kelapa Gading
Tel. (021) 245 35 777
Fax. (021) 245 35 789

DBSI Tomang
Tel. (021) 255 66 255
Fax. (021) 255 66 222

DBSI Muara Karang
Tel. (021) 265 85 288 / 265 85 255
Fax. (021) 265 85 277 / 265 85 299

DBSI Kota
Tel. (021) 265 65 788
Fax. (021) 265 65 799

DBSI Pondok Indah
Tel. (021) 275 86 688
Fax. (021) 275 86 698

DBSI Mangga Dua
Tel. (021) 623 11 489
Fax. (021) 623 11 480

DBSI Dharmawangsa
Tel. (021) 739 50 03
Fax. (021) 739 50 06

DBSI Kebon Jeruk
Tel. (021) 536 52 191
Fax. (021) 536 51 180

DBSI Bumi Serpong Damai
Tel. (021) 537 5505
Fax. (021) 537 5436

DBSI BANDUNG
Tel. (62-22) 427 1100
Fax. (62-22) 421 1712