Medium30s–50s

Insurtech Innovation Portfolio

Invests in digital insurance, AI underwriting, and peer-to-peer insurance platforms

Expected Return

8-11% annually

Expected Dividend

2% annually

Rebalancing

Quarterly

Asset Allocation

INSR (30%)

ARKF (25%)

XLF (20%)

KIE (15%)

IAK (10%)

INSR

Insurtech-focused ETF

30%

ARKF

Fintech and insurance innovation

25%

XLF

Broad financial sector

20%

KIE

Insurance industry

15%

IAK

Insurance brokers

10%

Advantages

✓Digital efficiency gains
✓Personalization at scale
✓New risk modeling capabilities

Risks

!Regulatory complexity
!Cybersecurity risks
!Intensifying competition

Allocation by Investment Amount

If investing $1,000

INSR$300

ARKF$250

XLF$200

KIE$150

IAK$100

If investing $5,000

INSR$1500

ARKF$1250

XLF$1000

KIE$750

IAK$500

If investing $10,000

INSR$3000

ARKF$2500

XLF$2000

KIE$1500

IAK$1000