Investment Policy

When investing insurance reserves, we pursue the following key objectives:

Guarantee our Clients the return of their accumulated capital in full

Preserve the purchasing power of money over time

Principles of TAS Life Investment Activities

Safety Principle

Profitability Principle

Liquidity Principle

Diversification Principle

How do we invest insurance reserves?

5,6
UAH billion As of December 31, 2025

37% Deposits

47% Government bonds (domestic and foreign government bonds)

10% Corporate bonds

6% Real estate and other assets

When allocating funds to a particular type of asset, we take the following factors into account:

when placing deposits with Ukrainian banks, we first analyze the bank’s current condition, financial statements, key performance indicators, investment and lending policies, shareholders’ reputation, and credit rating, and only then consider the interest rates offered by the bank;
when selecting securities, we take into account the condition and prospects of the industry in which the issuer operates, its financial performance indicators, and credit ratings.

As of December 31, 2025

78% Ukrainian hryvnia

17% US dollar

5% Euro

Distribution of funds by currency

The Company’s Clients can enter into insurance contracts in UAH, as well as contracts linked to the US dollar and the euro. In 2020, TAS life became the first company in the market to obtain a foreign currency license from the National Bank of Ukraine, enabling our Clients to accumulate funds and receive payments directly in US dollars.

Savings and pension insurance

Comparison of investment income rates for TAS life Clients with the Ukrainian Index of Retail Deposit Rates (UIRD)

Hryvnia Dollar Euro

UIRD Index (opt)

Net investment income rate for TAS Life Clients (opt)

Gross investment rate of return earned by TAS Life on investment of reserves before administrative expenses (opt)

Statistics of ID rates for the period from 2006 to 2025

Savings insurance with an investment component

Under the “TAS-Invest” and “TAS-Invest Currency” programs, investments are managed with the assistance of the asset management company “OTP Capital.” Currently, the funds are invested in domestic and foreign government bonds.

Reports by year

Ukrainian banks

ТАS Invest

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