We seek steady, reliable performance based on:

  • Diversification across high-quality, fixed income asset types
  • High credit rating requirements
  • Efficient asset-liability matching and strong risk modeling
  • A high level of liquidity
  • 98% of our fixed income securities are investment-grade

Investment portfolio mix

Conservative Investing

Our in-house, dynamic hedging lets us manage risk in real time.

We’ve been hedging our products in-house since 1996. Hedging is a way of using strategic investments to reduce risk. Most insurance companies hedge to some degree, but few have the power of in-house hedging. The strength of our in-house hedging lets us:

  • Control risk by rebalancing multiple times each day
  • Offer competitive caps and interest rates – because we save money by not outsourcing
  • Design innovative products and features
  • Purchase higher-grade bonds
  • Build a more stable, higher-quality investment portfolio that can back up the promises we make

Investment portfolio information current as of December 31, 2017. Portfolio allocations are subject to change.

1 Other includes equities, partnerships, real estate, COLI, RSUs, and loans.

2 CMBS – Commercial mortgage-backed security
  ABS – Asset-backed security
  CDO – Collateralized debt obligation

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. Variable products are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

Product and feature availability may vary by state and broker/dealer.

› Return to top