Trade Allianz with LHFX
Allianz is one of the world's largest financial services and insurance companies, headquartered in Munich. Its stock is driven by insurance premium growth, investment returns, natural catastrophe losses, and European interest rate environments. Asset management arm PIMCO also contributes to earnings.
ALVG Price Chart
Live ALVG Spread
Real-time market pricing
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Spreads are variable and sourced from the live market. Values shown are real-time.
Trading Conditions
Max Leverage
1:20
Commission
$3 per side
Platform
MetaTrader 5 + LHFX Trade
Execution
STP/ECN
Trading Hours
Monday - Friday, 3:00 AM - 11:30 AM ET
About Allianz
Allianz SE is the largest insurance company in Europe by gross premiums and one of the largest asset managers globally, headquartered in Munich and listed on the Frankfurt Xetra exchange as a DAX 40 constituent. The group operates across three core segments: Property-Casualty insurance (around 41% of operating profit), Life and Health insurance (around 32%), and Asset Management (around 27%), with PIMCO and Allianz Global Investors collectively managing over 2.3 trillion euros in third-party assets.
Geographic revenue is split across Germany (roughly 23%), the rest of Europe (around 38%), the Americas (around 21%), and Asia-Pacific plus the rest of the world (around 18%). The group reported 2024 total business volume above 170 billion euros and operating profit near 16 billion euros, with a Solvency II ratio above 200%.
At LHFX you trade Allianz as a CFD on ALVG, not as a shareholder. You profit or lose based on the Xetra-quoted EUR price moving in or against your position. You can go long or short. You never receive the underlying share, voting rights, or cash dividends, but your account is credited or debited a dividend adjustment when ALVG trades ex-dividend so that economic exposure stays equivalent. Allianz traditionally pays one annual dividend in May, with the 2024 dividend at 13.80 EUR per share and a stated payout policy of 60% of net income.
Maximum leverage is 1:20 and trading hours follow Xetra, roughly 03:00 to 11:30 ET, Monday to Friday. Outside those hours the symbol does not quote and you cannot open or close positions.
What moves ALVG
- 01ECB policy and the German bund curve. Allianz holds a fixed-income-heavy investment portfolio of around 580 billion euros. Steeper curves expand net investment income; flatter curves compress it. A 25 bps move at the long end of the bund curve typically moves the stock 1 to 2%.
- 02PIMCO net flows. PIMCO publishes monthly mutual fund flows and quarterly total AUM. Sustained outflows weigh on the Asset Management segment, which contributes roughly 27% of operating profit.
- 03Natural catastrophe activity. Hurricane seasons, European windstorms (e.g. Storm Eunice 2022 produced over 3 billion euros of insured losses), and earthquake events feed directly into Property-Casualty combined ratios.
- 04Solvency II ratio. Allianz publishes a quarterly Solvency II number; readings below 180% would trigger capital-return concerns, while sustained above-200% readings support the buyback programme (3 billion euros announced for 2025).
- 05USD/EUR. Around 21% of business volume is reported from the Americas. A weaker USD compresses translated US revenue and tends to weigh modestly on reported earnings.
How to trade ALVG at LHFX
Open an LHFX account, fund it (minimum 10 USD), and add ALVG to your MetaTrader 5 Market Watch. The symbol is denominated in EUR; P&L converts to your account base currency at end of day.
Spreads on ALVG are raw, with a flat 3 USD per side commission. Maximum leverage is 1:20, so a 1,000 EUR position requires 50 EUR of margin.
Worked example. With Allianz quoted around 280 EUR, opening 1 share equivalent of long ALVG at 1:20 leverage requires roughly 14 EUR in margin (280 / 20). A 5% adverse move costs 14 EUR, which is 100% of the margin posted. Scale to 5 share equivalents and you are at 70 EUR margin against a 70 EUR loss on a 5% drop. Allianz typically trades in a 1% daily range outside of earnings, with quarterly prints routinely producing 3 to 5% moves.
Set a stop loss before entry. Annual results in February and the May ex-dividend date are the largest single-session catalysts. The May dividend (around 5% gross yield on the 2024 cash dividend) means long positions held overnight on the ex-div date receive an adjustment equivalent to the cash payment, but the share price typically opens lower by the same amount.
Xetra closes at 11:30 ET. Overnight swap is charged on notional exposure and updates inside MT5 symbol specifications.
Risks specific to ALVG
Allianz carries two specific risks worth highlighting. First, insurance reserve risk: catastrophic events (hurricanes, European windstorms, large industrial losses) can produce billion-euro reserve charges that hit the stock immediately. Second, PIMCO franchise risk: the Asset Management segment depends on PIMCO's bond-fund mind share, and a prolonged period of weak fixed-income returns can drive sustained outflows that compress segment earnings.
Mitigations. Size positions so a 5% adverse move costs no more than 2 to 3% of your account, since insurance results can gap on catastrophe announcements outside scheduled earnings windows. Set a stop loss on every position. Track quarterly Solvency II ratios and PIMCO flow data, both of which Allianz publishes openly. Use the demo account to size a few quarterly cycles before going live.
Frequently asked questions about ALVG
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