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Сapital management+
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B&N BANK together with RGS-Life Insurance Company have elaborated an innovative product Capital Management+ for the most efficient savings management. The program allows receiving an increased income from investing in the stock market with a 100% guarantee of investment refund upon completion of the program.


  • High investment income
  • 100% reimbursement of funds
  • 7 investment areas:
    • RTS Index
    • Oil
    • Gold
    • US Stock Market
    • Asian Dragons
    • Pharmaceuticals and bioengineering
    • Future power
  • Protection from unforeseen circumstances related to the life of the insured person
  • Taxation privileges: succession payments and the amount of income at the end of the insurance period* are not subject to taxation
  • Possibility of flexible management of your own investments

How does it work?

Funds included into Capital Management+ are distributed between conservative and aggressive instruments.


Funds are invested into fixed income tools and ensure reimbursement of 100% of investment by expiration time.


In order to receive potentially unlimited income, a part of funds are invested into prospective financial tools tied to basic asset dynamics.

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