With the help of UBB Pension Insurance, you can rest assured that your financial future is well protected. We take a responsible approach to managing your funds, complying with the law and our internal policies, and avoiding conflicts of interest.

We make sure our investments achieve long-term returns with minimal risk. Because our goal is your financial security to provide you with a better life.

KBC Group is among the leaders in asset management in Europe and Asia. In Bulgaria, UBB Pensions promotes the best of global expertise, relying on the company's transparency and the exceptional professionalism of its investment advisors.

UBB Pension employs a team of managers with extensive experience in investing across asset classes and portfolios. The asset management of UBB Pension's pension funds is based on an investment policy which is developed in conjunction with consultants from KBC Group, adopted by the KBC Group Regional Asset Management Committee and approved by the Company's Board of Directors.

The main objective of our investment policy is to increase the amount of the insured funds in the pension funds managed by the Company in the long term. Realised returns should be above the rate of inflation in order to preserve the purchasing power of your savings in years to come. We seek a reasonable balance between risk and return.

How are your funds invested?

Accumulated funds are invested in accordance with the requirements and restrictions imposed by the Social Security Code, regulations, and UBB Pension's investment policy. As part of the investment process, UBB Pension assesses and manages a range of risks associated with the management of assets. Examples of such risks are: credit risk, market risk (including interest rate risk, currency risk, equity investment risk, credit spread risk and real estate investment risk), liquidity risk, operational risk and others. Drawing on the experience of the KBC Group and its investment risk management policy, UBB Pension introduces additional quantitative and qualitative limits that provide more effective protection of your interests. This ensures transparency of the investment process, full monitoring of risks and a timely response to adverse market developments.

In order to reduce risks, the company optimally allocates its investments between different financial instruments and markets. More information on the diversification of assets under management by fund can be found on the "Investment portfolio structure" page.

The specific parameters of UBB's fund investment policy can be found below.