Agressive Unit-Linked Investment in Portugal
For investors with a long-term strategy and a higher tolerance for market fluctuations, an Aggressive Unit-Linked strategy can provide a structured route to pursue stronger capital growth through higher exposure to global equity markets.
Agressive Unit-Linked Products - Portugal
At C1 Broker, we act as the advisory partner throughout the process, assessing the client’s objectives, risk capacity, investment horizon and liquidity needs before identifying whether this type of structure is suitable. Through personalised guidance, C1 helps clients understand the level of volatility involved, the role of equity exposure, the potential advantages of a long-term strategy and the risks that must be accepted before any investment decision is made.
Aggressive Investing: A Growth-Focused Way to Put Capital to Work
Aggressive investing is for clients who want to move beyond defensive or balanced allocations and are willing to accept stronger market fluctuations in pursuit of higher long-term growth potential. It focuses on capital growth, higher equity exposure and long-term performance potential, rather than short-term stability.
For many investors, this profile can work as a strategic investment solution for capital that does not need to remain liquid in the short term and can stay invested through market cycles. The objective is to keep the investment professionally managed, diversified and aligned with a higher risk tolerance.
An aggressive Unit-Linked strategy may be appropriate for investors who prioritise growth, accept that losses can occur during negative market periods and understand that stronger return potential normally comes with higher volatility.
Important: Aggressive does not mean guaranteed high return. Unit-Linked investments are linked to financial markets, may fluctuate significantly in value and do not provide a fixed return or deposit guarantee.
Agressive Unit-Linked Product Options
Allianz Aggressive Unit-Linked Solutions
Allianz Investimento offers an aggressive Unit-Linked route for clients who want their capital professionally managed with higher exposure to global equity markets. Within the Allianz range, the Aggressive Profile is built around growth-oriented fund structures, including ALLIANZ DYNAMIC MULTI SRI 75 “CT2” EUR, ALLIANZ BEST STYLES GLOBAL EQUITY SRI CT EUR, JPM US SELECT EQUITY PLUS A and JPM EUROPE EQUITY PLUS, giving investors access to multi-asset and equity-focused strategies with equity exposure ranging from 75% to 100%.
This approach may be suitable for investors who prioritise long-term capital growth, accept stronger market fluctuations and understand that short-term losses can occur. Allianz also positions the product as a medium/long-term solution adapted to the client’s risk profile and supported by global asset managers such as Allianz Global Investors, PIMCO and JP Morgan, while making clear that Unit-Linked investments are market-linked and do not provide a fixed return or general capital guarantee.
Zurich Aggressive Unit-Linked Solution
Zurich also offers an aggressive Unit-Linked structure through Zurich Unit Linked Investimento — Fundo Investimento Dinâmico. This is an insurance-based investment product where the premium is converted into units of participation in an autonomous fund. Its dynamic allocation framework is designed for investors seeking higher appreciation potential, with equity exposure from 50% to 100%, bond exposure up to 40%, and additional diversification through monetary, real estate, alternative and liquidity components.
Zurich classifies the Dynamic Fund as risk level 4 out of 7, meaning it sits above the conservative and moderate profiles and is intended for clients with lower aversion to risk, a risk profile equal to or above 4, and the capacity to support partial or total loss of invested capital. The recommended holding period is more than 8 years, reinforcing its medium/long-term investment nature.
Agressive Unit-Linked Options: Allianz and Zurich
For aggressive investors, the priority is higher long-term growth potential through stronger participation in financial markets. The objective is to keep capital professionally managed through a growth-focused Unit-Linked structure, with higher equity exposure, diversified allocation and a clear suitability framework. Through C1 Broker, clients can compare aggressive options from Allianz and Zurich, instead of being limited to one provider or one product architecture.
Allianz Investimento offers an aggressive Unit-Linked route for clients who want higher exposure to global markets and stronger long-term capital growth potential. Its Aggressive Profile includes equity-focused and high-equity fund options, such as ALLIANZ DYNAMIC MULTI SRI 75 “CT2” EUR, ALLIANZ BEST STYLES GLOBAL EQUITY SRI CT EUR, JPM US SELECT EQUITY PLUS A and JPM EUROPE EQUITY PLUS.
This option may suit investors who accept higher volatility, understand that negative periods can occur and want access to professional asset management through global managers such as Allianz Global Investors and JP Morgan.
Zurich Unit Linked Investimento includes a Fundo Investimento Dinâmico, designed for clients who want stronger market participation and higher long-term appreciation potential. This profile gives access to a more growth-focused allocation, with greater exposure to equity markets than the conservative or moderate alternatives.
The strategy may suit investors with a medium/long-term horizon who accept higher volatility, understand that negative market periods can occur and are comfortable with a risk level positioned above defensive profiles. Through C1 Broker, Zurich’s aggressive option can be compared against Allianz solutions to assess which structure better fits the client’s objectives.
* Unit-Linked products are market-linked: capital is not guaranteed, values may rise or fall, and each profile reflects a different level of risk, volatility and growth potential.
Agressive Unit-Linked
Allianz Investimento is a medium/long-term Unit-Linked solution that adapts the investment allocation to the client’s risk profile. For aggressive investors, the Allianz structure focuses on higher equity exposure and long-term capital growth, while still giving access to professional asset management through names such as Allianz Global Investors, PIMCO and JP Morgan.
The Allianz Aggressive Profile is designed for investors whose main priority is capital appreciation over the long term. This profile accepts stronger market fluctuations during the investment period because it uses funds with 75% to 100% equity exposure. It may be suitable for clients with a longer investment horizon, higher risk tolerance and the emotional capacity to remain invested during market downturns.
Allianz Aggressive Fund Options
| Fund | ISIN | Type | Category | Equity Exposure |
|---|---|---|---|---|
| ALLIANZ DYNAMIC MULTI SRI 75 “CT2” EUR | LU1462192680 | Open-ended | Global Multi-Asset Fund | 75% |
| ALLIANZ BEST STYLES GLOBAL EQUITY SRI CT EUR | LU3049577607 | Open-ended | Global Equity Fund | 100% |
| JPM US SELECT EQUITY PLUS A | LU0281483569 | Open-ended | North American Equity Fund | 100% |
| JPM EUROPE EQUITY PLUS | LU0289089384 | Open-ended | European Equity Fund | 100% |
How the Allianz Aggressive Funds Work
The ALLIANZ DYNAMIC MULTI SRI 75 “CT2” EUR fund is the bridge between a diversified multi-asset strategy and a high-growth equity allocation. With 75% equity exposure, it is clearly growth-focused, but it is not a pure equity fund. The remaining allocation gives the strategy a degree of diversification outside full equity exposure.
The ALLIANZ BEST STYLES GLOBAL EQUITY SRI CT EUR fund is a 100% global equity fund, meaning the investment is fully exposed to stock markets. Its global structure allows investors to access companies across different regions and sectors, rather than concentrating only on one geographic market. Because it is fully equity-based, this fund can fluctuate significantly.
The JPM US SELECT EQUITY PLUS A fund provides 100% equity exposure to the North American market. It may be suitable for investors who want specific access to US and North American companies. However, because it is regionally focused, it also carries concentration risk if that market underperforms.
The JPM EUROPE EQUITY PLUS fund provides 100% equity exposure to European markets. It may be used by investors who want direct participation in European companies and who want to diversify away from a purely US-focused equity allocation. As with any full-equity strategy, the fund can experience strong upward and downward movements.
Allianz Aggressive Profile — Best Fit
This profile may be suitable for clients who have a long-term investment horizon, prioritise capital growth over short-term stability, accept strong market fluctuations, understand that equity funds can fall significantly during market corrections and want access to global, North American and European equity strategies.
In case of death of the insured person, Allianz Investimento also includes an additional protection mechanism: beneficiaries receive the market value of the fund units and, where applicable under the contract rules, an amount linked to depreciation against the initial investment value.
Read more in our Aggressive Investor Profile post.
Agressive Unit-Linked
Zurich offers an aggressive Unit-Linked route through Zurich Unit Linked Investimento — Fundo Investimento Dinâmico. This is a life insurance product linked to investment funds, classified as a PRIIP — Produto de Investimento com Base em Seguros. The contract is expressed in units of participation, and the value of the premium paid, net of applicable acquisition charges, is converted into units of the autonomous fund.
The Zurich Dynamic Fund is designed for investors seeking higher long-term appreciation potential through greater exposure to equity markets. Zurich describes the Dynamic Profile as a solution for clients who want to go further in the appreciation potential of their assets, using higher exposure to shares and taking advantage of opportunities in global financial markets.
| Product | Fund / Profile | Regulatory Structure | Main Allocation Framework | Risk Level |
|---|---|---|---|---|
| Zurich Unit Linked Investimento | Fundo Investimento Dinâmico | PRIIP life insurance product linked to an autonomous investment fund | 50% to 100% equities; up to 40% bonds; up to 20% high yield bonds, monetary funds, real estate funds, alternative funds and liquidity | 4 / 7 |
How the Zurich Dynamic Fund Works
The Fundo Investimento Dinâmico has an equity allocation range from 50% to 100%, making it the most growth-oriented profile inside Zurich Unit Linked Investimento. This gives the strategy a stronger connection to equity market performance than the Conservative or Moderate profiles.
The fund may also include exposure to bond funds, high yield bond funds, monetary funds, real estate funds, alternative funds and demand deposits. This means the allocation is not necessarily 100% invested in equities at all times. Zurich states that risk exposure across asset classes is managed dynamically according to market conditions and macroeconomic developments.
This product is aimed at investors with low aversion to risk, a risk profile equal to or above 4, and full capacity to assume investment risk, including the possibility of losing part or all of the invested capital. Zurich classifies the Dynamic Fund as risk level 4 out of 7, which corresponds to a medium risk class, but with higher exposure than defensive profiles.
The Zurich documentation also makes clear that this product is not a bank deposit, is not covered by a deposit guarantee fund, and does not provide guaranteed capital or guaranteed income. The recommended holding period is more than 8 years, reinforcing that the Dynamic Fund should be assessed as a medium/long-term investment strategy rather than a short-term savings product.
Zurich Aggressive Profile — Best Fit
This profile may be suitable for clients who want stronger market participation, accept higher volatility, have a medium/long-term investment horizon, understand the possibility of partial or total capital loss and want a professionally managed Unit-Linked structure with dynamic allocation across global financial markets.
In case of death of the insured person, Zurich states that the beneficiaries designated in the policy may receive the value of the existing units of participation according to the contract rules and the timing of notification.
Read more in our Aggressive Investor Profile post.
“With a Unit-Linked investment plan, your capital is not left idle, it is allocated to professionally managed funds according to your risk profile, investment horizon and long-term objectives. To understand which profile may suit you best, contact our team at C1 Broker.”
Maximilian Wichels, Head of Sales Portugal
Allianz, Zurich + C1 Broker: Agressive Unit-Linked Guidance
Aggressive Unit-Linked investments require more than simply choosing a provider or selecting a fund. The first and most important step is understanding whether this higher-growth structure is truly aligned with the client’s objectives, investment time horizon, liquidity needs, and tolerance for stronger market fluctuations.
For clients who prioritise long-term capital growth and are comfortable accepting higher volatility, aggressive Unit-Linked solutions can offer a more growth-focused way to access financial markets. Through Allianz Investimento and Zurich Unit Linked Investimento, clients can access solutions designed for investors who want stronger market participation and are prepared to accept short-term fluctuations in exchange for higher long-term appreciation potential.
Both structures offer a more dynamic way to access market-linked investment opportunities.
Agressive Structures from Allianz and Zurich
Allianz Investimento offers a medium- to long-term Unit-Linked solution adapted to the client’s risk profile, with aggressive options focused on higher equity exposure and more growth-oriented fund allocation.
Zurich Unit Linked Investimento includes the Fundo Investimento Dinâmico, an autonomous fund structure with dynamic allocation and a more growth-focused risk framework, designed for investors who want stronger market participation rather than defensive positioning.
In both cases, the objective is not to promise fixed returns. The objective is to give aggressive investors access to professional management, diversification and a structured investment framework, while keeping risk assessment at the centre of the decision.
The Role of C1 Broker
At C1 Broker Portugal, our role is to compare the available structures, explain the risks clearly and help the client understand which option may be more appropriate before investing.
We help clarify the key questions: whether Allianz or Zurich is better aligned with the client’s profile, how the aggressive allocation works, what level of volatility may be expected, how liquidity is handled and whether a Unit-Linked structure makes sense compared with leaving capital idle in a traditional bank account.
Aggressive does not mean risk-free. Unit-Linked products remain exposed to financial markets and may fluctuate significantly in value. The right choice should always begin with suitability, not with the fund name.
Yes, I Want to Structure My Unit-Linked Investment Plan
Your long-term capital deserves a clear strategy, not guesswork.
With a Unit-Linked investment plan, your money can be allocated to professionally managed funds according to your risk profile, time horizon and growth objectives.
FAQs
Frequently Asked Questions
A Unit-Linked product is a life insurance contract connected to investment funds. The premium is converted into investment units, and the value of the contract changes according to the performance of the selected funds. It is not a bank deposit or a fixed-interest savings account.
To understand whether a Unit-Linked structure fits your objectives, contact C1 Broker’s investment team here.
No. Unit-Linked products are market-linked, which means the value may rise or fall. The financial market risk, including volatility, credit risk and liquidity risk, is borne by the policyholder.
To review whether this level of risk is appropriate for your situation, contact C1 Broker’s investment team here.
They may be suitable for clients looking for a medium- to long-term investment structure, with access to professionally managed funds and a risk profile adapted to their objectives. They are not suitable for clients who require guaranteed capital or short-term certainty.
To better understand which investor profile may fit your situation, complete C1 Broker’s Investor Profile Test.
Allianz Investimento is organised into three profiles: Conservative, Balanced, and Aggressive. The Conservative profile focuses on reducing large fluctuations, the Balanced profile accepts moderate volatility for growth potential, and the Aggressive profile prioritises long-term return with higher market fluctuation.
To understand your own investor profile before selecting a Unit-Linked fund, complete C1 Broker’s Investor Profile Test.
No. An Aggressive Unit-Linked investment is not risk-free. It is designed for investors seeking higher long-term capital growth, but it is still directly linked to financial markets and may fluctuate significantly in value.
Because aggressive strategies normally use higher equity exposure, the investment value can move strongly up or down depending on stock-market performance, economic conditions, interest rates, credit risk and general market volatility.
The aggressive profile is generally more suitable for investors who prioritise growth over short-term stability, accept stronger market fluctuations and have a longer investment horizon. It should only be selected after confirming the client’s risk profile, investment objectives, liquidity needs and capacity to tolerate potential losses.
Read more in our Aggressive Investor Profile post.
Possibly, but only if it matches your risk tolerance, investment horizon and ability to accept market losses. The Aggressive profile may offer higher long-term growth potential, but it also involves higher volatility and a greater risk of temporary or permanent loss.
To understand whether this profile fits your investment behaviour, read C1 Broker’s guide to the Aggressive Investor Profile in Portugal here.
Before subscribing, clients should review the official Allianz documentation, including the Pre-Contractual Information, Key Information Document, General Conditions, risk information, fees, sustainability disclosures and fund documentation. This helps ensure the decision is made with full transparency.
To understand how Unit-Linked products fit within the wider savings and investment options available in Portugal, visit C1 Broker’s Savings & Investments page.
They can be tax-efficient when held over the medium to long term. Under the Portuguese decreasing tax scale for Unit-Linked and capitalization insurance contracts, capital gains may be taxed at 28%, 22.4% after 5 to 8 years, or 11.2% after more than 8 years, provided the legal contribution timing conditions are met.
To compare Unit-Linked tax treatment with other savings and investment structures in Portugal, visit C1 Broker’s Savings & Investments page.
In the event of death, the designated beneficiaries may receive the market value of the fund units plus an additional amount equal to any depreciation, if depreciation exists and according to the contractual rules defined by Allianz.
To better understand how Unit-Linked products can support beneficiary planning, speak with C1 Broker’s investment team here.
C1 Broker helps clients understand the product structure, compare the available profiles, assess the risks, review the documentation and select a strategy aligned with their objectives. The goal is not to push one profile, but to guide the client toward a suitable Unit-Linked structure based on risk tolerance, time horizon and financial goals.
To begin with a broader view of savings and investment options in Portugal, visit C1 Broker’s Savings & Investments page.
Smart, Safe Ways to Invest and Save in Portugal
Parking Investments in Conservative Unit Linked Plans
Built for Growth: The Aggressive Investor Profile
Balanced Investors: The Middle Ground Between Safety and Performance
Low Risk, Long Term Security: The Conservative Investor
Investor Risk Profile Before Investing in Portugal
AI Investment Planning in Portugal for Expats in 2026
Financial Planning for Different Stages of Expat Life in Portugal
Conservative Investment Solutions for Retirees in Portugal: Protecting Capital Without Losing Peace of Mind
Why Insurance in Portugal Is Essential for Protecting Your Financial Future as an Expat
Allianz and Zurich Unit-Linked Documents
At C1 Broker, we believe every investment decision should be made with full clarity. Below you can access the essential documentation for the Conservative Unit-Linked solutions available through Allianz and Zurich, including product information, pre-contractual documents, risk details, costs and fund-specific information.
Please review these documents carefully before subscribing. Unit-Linked products are linked to financial markets, may fluctuate in value and should always be assessed according to your risk profile, investment horizon, liquidity needs and financial objectives.
Unit-Linked Documents
- Pre-Contractual Information (Informação Prévia à Contratação) Allianz
- Key Information Document (Documento de Informação Fundamental) Allianz
- Investment Glossary (Glossário Investimento) Allianz
- Transparency in the Integration of Sustainability Risks (Transparência na Integração dos Riscos de Sustentabilidade) Allianz
- Pre-Contractual Information (Informação Prévia à Contratação) Zurich
- Key Information Document - Agressive Fund (Documento de Informação Fundamental - Fundo Agressivo/Dinâmico) Zurich
- General Conditions (Condições Gerais) Zurich
Start Investing Today!
The information provided on this page is for general informational, educational and commercial purposes only and is intended to present, in broad terms, insurance-based savings and investment solutions, including Retirement Savings Plans (PPRs), Unit Linked life insurance products, capitalisation contracts and other medium- or long-term savings structures distributed through insurance channels. This information does not constitute financial, investment, tax or legal advice, nor does it constitute a personalised recommendation to subscribe, maintain, modify, transfer, switch, redeem or surrender any product.
PPRs and Unit Linked products may involve risks, including market risk, liquidity risk, credit risk, currency risk, interest rate risk, inflation risk, counterparty risk, operational risk, regulatory risk and the risk of partial or total loss of the capital invested. Unless an express guarantee is provided in the contractual terms and conditions of the product, neither the invested capital nor the return is guaranteed. The value of the investment may rise or fall, and past performance is not a reliable indicator of future results.
Insurance-based savings and investment products are not equivalent to bank deposits and should not be understood as risk-free savings accounts. Depending on the product structure, the value payable to the policyholder, insured person or beneficiary may depend, directly or indirectly, on the performance of underlying funds, financial markets, reference assets, units of participation or the investment policy defined by the insurance undertaking or product manufacturer. Any capital protection, death benefit, beneficiary clause, guaranteed rate, minimum return, depreciation compensation or other protection mechanism applies only where expressly provided in the official contractual documentation and subject to the limits, exclusions, valuation rules and conditions stated therein.
Where the product is linked to investment funds or other market-exposed assets, the financial risk is generally borne, in whole or in part, by the policyholder or investor. Redemptions, partial withdrawals, transfers, switches, cancellations or early surrenders may be subject to contractual restrictions, valuation dates, settlement periods, minimum holding periods, commissions, penalties, market value adjustments, minimum remaining balances or temporary liquidity limitations. In periods of market stress, exceptional volatility, suspension of underlying funds or operational disruption, redemption or switching may be delayed, restricted or processed at a value different from that expected by the client.
Any reference to tax benefits, reduced taxation, PPR deductions, favourable redemption regimes or long-term fiscal advantages is provided only as general information based on the legislation understood to be applicable at the date of publication. Tax treatment may depend on the client’s tax residence, age, personal circumstances, annual IRS position, product type, contribution history, holding period, redemption reason and compliance with the legal conditions in force. Tax law, administrative interpretation and reporting obligations may change over time, and any tax advantage may be reduced, suspended, withdrawn or lost where the applicable legal or contractual conditions are not met.
Before subscribing to any product, the client must carefully read all applicable pre-contractual and contractual documentation, including, where applicable, the Key Information Document (KID/DIF), the Information Note, the General, Special and/or Particular Conditions, information on risks, costs and charges, the investment policy, recommended holding period, surrender/redemption conditions and applicable tax regime. Any subscription decision must be made consciously and on an informed basis, taking into account the client’s investment objectives, knowledge and experience, financial situation, ability to bear losses, investment horizon and risk tolerance.
The subscription of insurance-based investment products is subject to the legally required suitability or appropriateness assessment, acceptance by the insurance undertaking and the specific terms and conditions of each product. The tax treatment of PPRs and other savings or investment products depends on the personal circumstances of the client and on the tax legislation in force, which may change over time. Early redemptions, transfers or contractual changes may result in penalties, charges, loss of tax benefits or other tax consequences.
C1 Broker® is a commercial brand of Wiseg Mediación de Seguros, S.L., an insurance brokerage authorised to distribute Life and Non-Life insurance, DGSFP Code J-3790, authorised to operate in Portugal through branch registration no. ASFFP 923047667. C1 Broker may receive remuneration from insurance undertakings for the distribution of insurance products, namely through commission included in the premium or product value, without prejudice to its duty to act honestly, fairly, professionally and in the best interests of the client. The client may request additional information on the nature and amount of the applicable remuneration.
For further information, personalised clarification or access to the legal documentation of any product, please contact C1 Broker before making any subscription decision.