{"id":3394,"date":"2023-01-16T10:16:56","date_gmt":"2023-01-16T10:16:56","guid":{"rendered":"https:\/\/www.costanzoeassociati.it\/?p=3394"},"modified":"2023-01-16T10:16:57","modified_gmt":"2023-01-16T10:16:57","slug":"multiramo","status":"publish","type":"post","link":"https:\/\/www.costanzoeassociati.it\/en\/glossario-economia-finanza\/multiramo\/","title":{"rendered":"MULTIRAMO"},"content":{"rendered":"<p>I prodotti multiramo (o ibridi) consentono al cliente di ripartire l\u2019investimento in due componenti: la componente investita in gestioni separata e quella investita in fondi di investimento; o, pi\u00f9 nello specifico, una polizza vita rivalutabile tradizionale (ramo I), dove tipicamente il capitale \u00e8 garantito, e una polizza \u201cunit linked\u201d (ramo III), ossia un prodotto di investimento il cui andamento \u00e8 influenzato dai movimenti dei mercati finanziari e su cui generalmente non vi \u00e8 alcuna garanzia finanziaria. Spesso questi prodotti prevedono la possibilit\u00e0 di modificare nel tempo l\u2019allocazione tra le due componenti di investimento, seguendo il ciclo di vita dell\u2019investitore o altri criteri che valorizzano la propensione al rischio del medesimo.<\/p>\n<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-bottom-left\"><a href=\"https:\/\/www.costanzoeassociati.it\/en\/wp-json\/wp\/v2\/posts\/3394?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\" ><img decoding=\"async\" src=\"https:\/\/www.costanzoeassociati.it\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"Download PDF\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>I prodotti multiramo (o ibridi) consentono al cliente di ripartire l\u2019investimento in due componenti: la componente investita in gestioni separata e quella investita in fondi di investimento; o, pi\u00f9 nello specifico, una polizza vita rivalutabile tradizionale (ramo I), dove tipicamente il capitale \u00e8 garantito, e una polizza \u201cunit linked\u201d (ramo III), ossia un prodotto di [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[115],"tags":[],"class_list":["post-3394","post","type-post","status-publish","format-standard","hentry","category-glossario-economia-finanza"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MULTIRAMO Cos&#039;\u00e8? - Costanzo e Associati<\/title>\n<meta name=\"description\" content=\"Cos&#039;\u00e8 il multiramo? 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