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International Investment Funds

International investment funds or global investment funds allow investors to access opportunities beyond domestic markets. They... Read more invest across countries and sectors. In practice, this reduces risk and provides diversification. At the same time, it allows investors to benefit from global growth trends. Investors can include international funds to broaden the portfolio and avoid dependence on a single market. Read less

Pay $1200/month¹ for 10 years,

Get $4.8 Million after 20 years

26.91% 5-year back-tested strategy returns²

Zero LTCG Tax³

Option to choose waiver of premium

¹Illustrative returns @4%: $206k | @8%: $366k | @26.91%: $4.8M
²26.91% is the 5-year back-tested CAGR of Tata AIA Global AI and Technology Leaders Fund Strategy as of April’26, which is projected for 20 years after adjusting for all expenses. Available with Tata AIA Shubh Global Invest. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C apply.. Read More Illustration shows a monthly premium of $1,200 for Tata AIA Shubh Global Invest for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 20 years. The linked insurance product do not offer any liquidity during the first three years of the contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the total premiums paid.

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Explore our International Investment Fund

Our international investment funds are designed to be reliable and flexible. From first-timers to seasoned investors, these funds work for different needs. Each fund follows a distinct strategy.

Global AI and Technology Leaders Fund

(SFIN Number– ULIF 504 31/03/26 TGT 110)

Investment objective

The Global AI and Technology Leaders Fund aims for long-term capital growth. It invests in global companies involved in artificial intelligence and related technologies such as semiconductors, cloud computing, and digital infrastructure. The fund provides exposure to businesses driving AI innovation worldwide.

Equity & Equity Linked	Debt Instruments	Cash/ Money Market Instruments, Bank Deposits and Mutual Funds
70-100%	0-30%	0-30%

It has high risk level. The fund invests mainly in equities, so returns may fluctuate due to market conditions and technology sector movements. However, AI and technology sectors may offer long-term growth potential.

Risk Profile: High
Period	Back tested Returns⁴
Last 1 year	151.21%
Last 3 years	49.79%
Last 5 years	26.91%
Last 7 years	30.92%
Last 10 years	30.48%

US Equity Fund

(SFIN: ULIF 501 01/03/25 TUE 110)

Investment objective

The primary investment objective of the fund is to provide long term capital appreciation and income through investments made primarily in US Equity and equity related instruments/ securities including Mutual Funds / ETFs

Equity & Equity Linked	Debt Instruments	Cash/ Money Market Instruments, Bank Deposits and Mutual Funds
70-100%	0-30%	0-30%

Risk Profile: High
Period	Back tested Returns⁵
Last 1 year	29.22%
Last 3 years	20.24%
Last 5 years	11.08%
Last 7 years	13.64%
Last 10 years	13.33%

Global Equity Fund

(SFIN: ULIF 502 01/03/25 TGF 110)

The primary investment objective of the fund is to provide long term capital appreciation and income through investments made primarily in Global Equity and equity related instruments/ securities including Mutual Funds / ETFs.

Equity & Equity Linked	Debt Instruments	Cash/ Money Market Instruments, Bank Deposits and Mutual Funds
70-100%	0-30%	0-30%

Risk Profile: High
Period	Back tested Returns⁶
Last 1 year	29.22%
Last 3 years	18.03%
Last 5 years	8.94%
Last 7 years	10.82%
Last 10 years	10.32%

Money Market Fund

(SFIN: ULIF 503 01/03/25 TMM 110)

The primary investment objective of the fund is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in Global Short term / Money market securities including Mutual Funds / ETFs. The fund will have no investments in equity or equity linked instruments at any point of time.

Equity & Equity Linked	Debt Instruments	Cash, MMI, Bank Fixed Deposits
0%	0-100%	0-100%

Risk Profile: Low
Period	Back tested Returns⁷
Last 1 year	3.10%
Last 3 years	3.70%
Last 5 years	2.68%
Last 7 years	2.12%
Last 10 years	1.77%

Features of Tata AIA Shubh Global Invest

These funds are available with Tata AIA Shubh Global Invest. Here are the features:

Invest and Receive Benefits in USD

Enjoy currency stability by making premium payments as well as receiving payouts in US dollars.

Invest in Global Funds

Gain access to diversified investment opportunities with global Exchange-Traded Funds (ETFs).

Waiver of Premium

Future premiums will be waived off and benefits will continue in case of any unfortunate event

Zero Premium Allocation Charge

No premium allocation and administration charges

Option to switch between funds

Switch between funds based on market outlook. 2 free fund switches allowed every year.

Flexible Withdrawals for Liquidity

Post completion of 3 years, you can make partial withdrawals to meet your immediate financial needs.

Multiple Premium-Paying Options

Pay through multiple premium payment modes, with optional benefits for enhanced coverage.

Avail Maturity Booster

Basis your policy maturity year, additional Boosters shall be added to your fund value on the day of maturity.

Loyalty Additions

Loyalty Additions are added to your fund value every year, starting after the 7th policy year and will continue until the end of the policy term.

Zero LTCG tax

No tax on maturity benefit³

What is an International Investment Fund?

An international investment fund invests in assets outside your country. It allows you to access global markets without buying individual foreign securities.

Key features include:

Diversification across sectors and regions
Professional management by experienced fund managers
Access to global growth opportunities.
Easy to manage through a single fund

Many investors use global investment funds to reduce reliance on domestic markets. This can be a reliable way to strengthen a portfolio.

How do international investment funds work?

International investment funds follow a structured process:

Customers invest their capital in funds
Fund Managers invest in international stocks, bonds, and other securities as per fund strategy
Decisions are made based on research, trends, and economic indicators
Regular checks are made on investments
Investors receive updates on their investments in terms of Net Asset Value (NAV)

Performance may also be influenced by currency fluctuations and global economic changes.

Why choose Tata AIA International Investment Funds?

Investors choose international Tata AIA investment funds for several reasons:

Diversified exposure across global markets

Professional management backed by research

Access to sectors not widely available domestically

Reduced risk through diversified investments

Convenient global access in a single portfolio

In practice, combining domestic and global investment funds can strengthen a portfolio.

Advantages of investing in Tata AIA International Investment Funds

The main benefits are:

Diversification across multiple economies

Exposure to leading international companies

Opportunities to participate in worldwide growth

Professional portfolio management

Flexible options to meet different financial goals

How to start investing in Tata AIA International Funds?

Investing in the funds is very simple and straight-forward. You can invest in the funds very quickly. Here are the steps to invest in the funds:

Visit our website:
Go to https://international.tataaia.com/
Complete the preliminary form:
Enter your basic details such as name, phone number, email ID, gender, and other required information.
Select your plan and investment amount:
Choose the plan option that best suits your financial goals and specify the amount you wish to invest.
Review personalized quotes:
You will receive multiple plan quotes, allowing you to customize key aspects such as:
• Premium payment term
• Premium payment frequency
• Annual Premium amount
• Life Cover
• Investment funds, based on your preferences and other required information.
Enhance your coverage:
As you proceed, you may choose to add riders for enhanced protection. A detailed Business Illustration will be shared with you via email for better clarity and transparency.
Complete your purchase:
Once your selections are finalized, a Policy Number will be generated, and you can pay the premium using the available secure payment modes.
Get expert assistance (optional):
If you require any guidance during the process, simply give a missed call to +91 11 6921 6464. Our experienced advisors will call you back and help you select funds aligned with your financial goals and investor profile.

Conclusion

International investment funds or global investment funds provide access to multiple markets and sectors. They help investors benefit from global growth while diversifying risk. The performance of investment funds is a reflection of the performance of the investments that have been made over a period of time. It is important for investors to be aware of the objectives, structures, and risks involved in order for them to make informed decisions. A mix of international funds helps in creating wealth for investors by providing a high level of portfolio performance.

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What is the minimum investment amount?

The minimum investment depends on the fund and plan. Many investors start with a small amount and increase contributions gradually.

What are the risks involved?

Risks include market volatility, currency changes, and economic shifts across countries. Diversification across regions and sectors helps reduce these risks.

The linked insurance product do not offer any liquidity during the first three years of the contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the total premiums paid.
Tata AIA Shubh Global Invest (USD Denominated) - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: TALL003V02)
Shubh Global Invest is also available through online mode on the Company’s website www.international.tataaia.com
Investments are subject to market risks.
Tata AIA Life Insurance Company, IFSC Branch (IIO) Branch (Reg No: IFSCA/IIO/008/2023-24)
Tata AIA Global AI and Technology Leaders Fund: TGT (ULIF 504 31/03/26 TGT 110)
Tata AIA US Equity Fund (SFIN: ULIF 501 01/03/25 TUE 110)
Tata AIA Global Equity Fund (SFIN: ULIF 502 01/03/25 TGF 110)
Tata AIA Money Market Fund (SFIN: ULIF 503 01/03/25 TMM 110)
¹Illustration shows a monthly premium of $1,200 for Tata AIA Shubh Global Invest for a 30-year-old male, standard life, non-smoker, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Global Equity Fund. 4% and 8% are assumed rates of return. 26.91% is the 5-year return as of April’26. Maturity amount: $2,05,574 at 4% returns, $3,65,929 at 8% returns and $48,87,671 at 26.91% returns. The fund value calculation is done by projecting the 5-year back-tested CAGR of Tata AIA Global AI and Technology Leaders Fund Strategy after adjusting for all expenses in Tata AIA Shubh Global Invest.
²26.91% is the 5-year back-tested CAGR of Tata AIA Global AI and Technology Leaders Fund Strategy as of April’26.
³Subject to sum assured multiple being 10x and above.
⁴Back-tested Returns as on April 2026. Past performance is not indicative of future performance. Fund Benchmark: Global AI and Technology Leaders Fund Strategy. Global AI and Technology Leaders Fund (SFIN Number– ULIF 504 31/03/26 TGT 110)
⁵Back-tested Returns as on April 2026. Past performance is not indicative of future performance. Fund Benchmark: US Equity Fund Strategy. Tata AIA US Equity Fund (SFIN: ULIF 501 01/03/25 TUE 110)
⁶Back-tested Returns as on April 2026. Past performance is not indicative of future performance. Fund Benchmark: Global Equity Fund Strategy. Tata AIA Global Equity Fund (SFIN: ULIF 502 01/03/25 TGF 110)
⁷Back-tested Returns as on April 2026. Past performance is not indicative of future performance. Fund Benchmark: Money Market Fund Strategy. Tata AIA Money Market Fund (SFIN: ULIF 503 01/03/25 TMM 110).

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund’s NAV will be affected by interest rates and the performance of the underlying stocks
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
Some Benefits are guaranteed, and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance.
The Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
This plan is not a guaranteed Issuance plan and it will be subject to Company’s underwriting and acceptance
Foreign exchange rates are subject to change from time to time. Any associated expense due to change in the applicable rates, shall be borne by the policyholder.
In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
Insurance cover is available under this product.
Participation by customers shall be on voluntary basis
Fund returns shown are based on back-tested performance of Tata AIA’s internal investment strategy and are provided for illustration purpose only. Back tested performance is not guaranteed in nature and is prepared using retrospective application of the strategy methodology. They are not actual fund returns and not guaranteed/indicative for the future performance.
The above funds follow Tata AIA’s internal investment strategy, which does not directly benchmark any index/indices. The strategy uses a model-based portfolio allocation derived from securities, indices, ETFs, mutual funds or companies across multiple overseas jurisdictions, in line with the internal strategy methodology. The strategy’s reference portfolio, constituents, geography, and allocation may change from time to time in accordance with such methodology and applicable internal governance. Investment allocation is based on Tata AIA’s proprietary internal strategy framework.
The products are underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Ltd. is only the name of the Insurance Company and Tata AIA Shubh Global Invest is only the name of the Unit Linked Life Insurance Contract and does not in any way indicate the quality of the contract, its future prospects or returns. The products are underwritten by Tata AIA International (Tata AIA Life Insurance Company, IFSC Branch (IIO).
Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Branch.
Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO). The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time.
The information, provided herein, may not be treated as a solicitation request in any manner. Any decision to buy online insurance by NRIs is completely his/her choice. The insurer is permitted to solicit insurance in India and settles claim in USD/Forex currency.
L&C/IIO/2026/May/0037

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