The main investment rule is as follows: the more risk you take, the higher your profit might be. Therefore accumulation of capital/investments should always be performed with regard to your personal attitude to risk. 

Being an investor with a long investment horizon time period, you may take higher risks with a view to gaining higher profits. For example, you may invest a larger part of your finance in more volatile (riskier) shares, in long-term perspective able to yield better profit.

If the investor's age is approaching pension, the proportion of risky investment instruments in the portfolio is to be reduced and the share of secure investment instruments – increased. 

To meet your requests, ICFB offers you various accumulation and investment plans: bank and fund accumulation plans, real estate construction/purchase accumulation, accumulative/capital life insurance, as well as various pension programmes. We will select offers, which will bring you most profit. While doing this, we will take into account all your personal wishes and requests.

Besides, at your personal request and considering your attitude to risks, we may create and efficiently manage your investment portfolio.

Our primary objective is to assist and help you with successful and long-term capital accumulation. We sincerely wish you financial independence in the future and ability to make all your dreams come true. 

The earlier you start investing with a view to insuring your old age, the larger capital you will be able to accumulate. 

We are always ready to advise you and offer specific solutions and investment products.