Retirement Savings and Investment Plans

How much will your income be after you retire?

Will your income after you retire be enough to secure the same life style you already enjoy?

What is your reward after years of hard work?

What are your retirement dreams?

Do you know that you can start planning for your future now?

HSBC Bank Egypt, in collaboration with Allianz Insurance Company Egypt, has availed for you a variety of custom tailored Retirement Programs which meet different needs and risk profiles thus ensuring that your and your family’s financial future and security are taken care of.

It’s a medium to long-term savings plan where you can save on regular basis an affordable amount in accordance to your financial situation aiming to maintain a secured source of income for your retirement. Additionally, the plan will provide you with a protection benefit. In the unfortunate cases of death (God Forbids) or disability, a lump sum of money would be paid to the beneficiaries on the spot.

A savings scheme that’s not only affordable, but also tailored to best suit your budget and time horizon.

Main features:

100% of investments will be directed to fixed income securities

Minimum entry age: 18 years

Minimum Policy Term: 5 years

Frequency of contribution: Annually – Half Yearly – Quarterly – Monthly

Easy to invest with monthly payments starting from EGP 250

Designed to suit your risk profile, the Retirement Investment Plan offers several options according to the type of investor you are.

Main features:

Minimum entry age: 18 years

Frequency of contribution: Annually – Half Yearly – Quarterly – Monthly

Choice of selection between 3 different risk profile investment plans:
Cautious investment:
EGP fund:
0% to 25% in equities
75% to 100% in fixed income securities
USD fund:
0% to 15% in equities
85% to 100% in fixed income securities

Balanced investment:
EGP fund:
20% to 50% in equities
50% to 80% in fixed income securities
USD fund:
10% to 30% in equities
70% to 90% in fixed income securities

Adventurous investment:
EGP fund:
20% to 100% in equities
0% to 80% cash instruments
Refrain from investing in alcohol, tobacco, banking and entertainment

Minimum Policy Term: 5 years

Easy to invest with monthly payments starting from EGP 1,000

Free choice of allocation at customer request during the period of the Policy

Free choice of switching between funds during the period of the Policy

Available in both Egyptian Pound and US Dollar*

Free Direct Debit from any of your HSBC Bank Egypt accounts to Allianz Insurance Company Egypt

Payment at maturity can be received through a lump sum payment or annuities over an agreed period of time or a mix of both

Life Insurance against permanent total disability or death (God forbids) paid to your family

Lump sum payment in case of death (God forbids)

Booster option to secure the savings against market inflation

*Not available for Adventurous investment.
All insurance products are offered by “Allianz Insurance Company Egypt” and under its full responsibility.