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Investment Solutions

Grow your company’s surplus cash reserves

Investment solutions designed to generate returns on your company’s surplus cash reserves, aligned with its financial strategy and risk profile.

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PRODUCTS

Solutions to turn liquidity into growth opportunities

Surplus liquidity represents a strategic opportunity to transform available capital into sustainable growth. By investing it in an insurance-based product, your company not only generates returns on its surplus funds but also strengthens its financial stability and long-term outlook. These solutions allow early withdrawals with a valuation adjusted to market conditions.

Investment solutions

Guaranteed Investment

Strategic vision: alignment with growth, sustainability and resource optimisation objectives in the short and medium term.
Guaranteed returns: benefits are guaranteed from the outset, although the surrender value may vary depending on market conditions.
Security and protection: financial and asset protection through structures adapted to your company’s profile.

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Investment solutions

Flexible Investment

Strategic vision to drive growth, sustainability and the optimisation of resources in the medium and long term.
Higher return potential: these solutions provide access to financial markets with greater return potential than guaranteed solutions. As this is a Unit Linked product, the company assumes the investment risk, meaning the capital may fluctuate and may even incur losses.
Flexibility in the investment strategy: the company can choose from different investment portfolios according to its risk profile and time horizon, and the strategy can be adapted as market conditions evolve.
A corporate planning tool: in addition to generating returns on surplus cash, this solution can be integrated into the company’s financial and asset planning, providing flexibility and a long-term outlook.

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Benefits

Financial protection

Provides a lump sum in the event of death, as well as in cases of serious illness or disability

24/7 medical specialists

Year-round telephone support from a medical team specialized in general and family medicine

Tax benefits

Life insurance beneficiaries benefit from tax advantages

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FAQs

Frequently asked questions about investment solutions

Still have doubts about our investment solutions? Don’t worry, consult our frequently asked questions guide to answer any questions about our products.

Asset Publisher

What are surplus cash funds and why invest them?
- They are the funds left over once the company has met all its payment obligations. Doing nothing with them results in them losing value due to inflation and opportunity cost. Investing them allows the company to improve returns without affecting its operations.
What types of investment solutions does VidaCaixa offer to generate returns on surplus cash?
- All the investment solutions offered by VidaCaixa are adapted to the company’s financial strategy and liquidity needs. Among its products are more conservative or more dynamic investment strategies, depending on the risk profile.
What differences exist between guaranteed and flexible investment solutions?
- The insurance offers returns that are secured from the outset, capital protection and a short- to medium-term perspective. Flexible investment, on the other hand, provides access to markets with greater return potential and allows the company to choose between adjustable investment portfolios according to risk and a more strategic corporate planning approach. As this is a Unit Linked product, the company assumes the investment risk, meaning that the capital may fluctuate and may even incur losses. Both solutions are designed to transform idle liquidity into growth opportunities.

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Investment Solutions

Grow your company’s surplus cash reserves