Pension Solutions

Schediazo Syntaxi Apodotika (planning with return)

savings – pension program which invests in UCITS (Undertakings for the Collective Investment of Transferable Securities) for dynamic yields

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The program provides you with the opportunity of dynamic yields because your money are invested in the following UCITS:
  • First Eagle Amundi International Fund:: equity fund which offers the possibility of long-term dynamic yields
  • Amundi Funds Index Global Bond (EUR) Hedged: bond fund which aims to diversify your investment by constantly possessing control of investment risk  
  • Amundi Funds Cash Euro: which operates as a “money box” to ensure returns of your investment account

What are the benefits to you ?
  • it follows your "life path" by continuously adapting the investment allocation percentage per UCIT
  • active management of your savings with alterations in the investment allocation percentage per UCIT, whenever you wish
  • flexibility to reinforce your account whenever you wish by adjusting your premiums, the frequency of payments (monthly, quarterly, semi-annually and yearly) along with the possibility for extra deposits
  • adjustment of the duration to “fit” your needs up to 40 years
  • fixed annual premium indexation 3% or upon your choice at 5% or 7%, to protect your savings against inflation
  • possibility to pay-up (freeze payments) your program and re-activate it whenever you wish
  • early liquidation (partial or total) after the first year
  • loyalty bonus the longer you stay with the program
  • insurance protection due to illness or accident: in case of loss of life beneficiaries receive the account's amount based on UCITS published prices, or if the cash value is lower than your savings, your savings account balance. In case of total permanent disability, we undertake the continuation of your savings till maturity and you also receive a lumpsum of €10.000
  • know-how and specialized management by Crédit Agricole Group
  • transparency via daily published prices per UCIT (electronic and daily press)

     the cover is not valid if the contracting party is a legal entity - company 

What will savings in Sxediazo Syntaxi Apodotika provide you at maturity ?
Starting Age

Duration (in years)

Monthly payments*

Indicative acc. lumpsum*

















* the amounts have been calculated with premiums allocation  per UCIT which follow your life path and with indicative annual returns of 4% for both Amundi International SICAV and Amundi Funds Index Global Bond (EUR) Hedged and annual premium indexation 3% throughout the whole duration of the program

How can you pay for your premiums ?
  • By direct debit of your bank account at Alpha Bank
  • By credit card installments



Former pension programs

Smile Pension, Smile Pension Express &  InvestLife Vima Vima

For the owners of a policy in force in the particular programs the terms and conditions remain as they are till the maturity of each policy.