Swiss Life Flex Save Invest. Guarantee and attractive earnings opportunity

Transcription

1 Swiss Life Flex Save Invest Guarantee and attractive earnings opportunity

2 Save for the future with a guarantee and attractive earnings opportunity

3 Swiss Life Flex Save Invest 3 Benefit from a modern life and pensions solution with guaranteed benefits and earnings opportunity Are you looking for a way to generate a greater return on your savings than the negligible interest earned on a savings account? Is security a priority for you and you don t want to have to worry about share price performance? The innovative and flexible life and pensions solution, Swiss Life Flex Save Invest, offers you all that. The payout at expiry is guaranteed. Furthermore, in good stock market years you make gains through participation in the Swiss Market Index (SMI). And, most importantly, the gains you make are never lost even in bad stock market years. This is why Swiss Life Flex Save Invest is ideal as a one-off investment for your financial security in retirement. As well as an investment for your existing pillar 3a funds. Your advantages at a glance ɬɬGuaranteed payout at expiry ɬɬParticipation in positive performance of the SMI ɬɬGains increase the guaranteed payout due to annual protection ɬɬGuaranteed lump-sum death benefit ɬɬTax benefits during the term and at expiry ɬɬIdeal investment also for existing pillar 3a savings

4 4 Swiss Life Flex Save Invest Facts and figures: at a glance The offer Type of insurance Your premiums Swiss Life Flex Save Invest is a traditional life insurance product with index participation in either pillar 3a or pillar 3b. One-off premium in CHF Entry age Pillar 3b: any age up to 75 Pillar 3a: men aged / women aged Final age at expiry Pillar 3b: age Pillar 3a: men aged / women aged Term years Sample representation of Swiss Life Flex Save Invest Index level Assumed index performance Time Credited gains Guaranteed benefit in the event of death Lump sum Minimum payout guaranteed at start of contract Term In addition to the guaranteed endowment sum you receive all the accumulated index gains and bonuses. Gains made are never lost.

5 Swiss Life Flex Save Invest 5 We provide the following benefits In the event of survival Guaranteed endowment sum plus accumulated participation gains and bonuses In the event of death Guaranteed lump-sum death benefit plus accumulated participation gains and bonuses Your options Loans Beneficiaries Prepayment Possible in pillar 3b Pillar 3b: at your discretion Pillar 3a: set by law Possible in pillar 3a Pledging Possible (restricted by law in pillar 3a) Supplementary payments Your advantages Not possible Tax benefits Pillar 3a: ɬɬAll pillar 3a savings and income are exempt from taxation throughout contract term. ɬɬUpon payout the lump sum is treated separately from other income and taxed at a reduced rate. Additional benefits Pillar 3b: ɬɬPayout at expiry is exempt from income tax provided the contract expires after the age of 60 and is concluded before the age of 66. ɬɬDuring the contract term: only wealth tax on the surrender value (at cantonal level only) ɬɬIn the event of death: no income tax (inheritance tax according to policyholder s canton of residence) ɬɬInheritance and bankruptcy privileges ɬɬGuaranteed benefits also on surrender ɬɬYour entitlements are always fully protected by the tied assets which Swiss Life is required to set aside by law. These are subject to strict controls by the Swiss Financial Market Supervisory Authority FINMA.

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7 Swiss Life Flex Save Invest 7 Further information and individual advisory service Are you interested in Swiss Life Flex Save Invest? Do you have any questions or would you like further information? Your advisor will be happy to take your call. Or visit us at Have you already asked yourself these questions? ɬɬHave I made sufficient provision for my retirement? ɬɬShould I work until 64/65 or can I take early retirement? ɬɬHow much income will I receive in the event of disability? ɬɬHow can I save on tax? ɬɬWhich life and pensions solution is the right one for me? ɬɬWho should inherit my estate? ɬɬCan I afford my dream home? ɬɬCan I optimise my health insurance? We can help you to find the answers to these questions and the right solutions. Just get in touch. Disclaimer: This brochure is a marketing document. The information given is for information purposes only. It does not constitute an offer, solicitation or recommendation to buy or sell investment assets, to engage in transactions or to conclude any other legal transactions. We assume no liability for the accuracy of the information provided. The published information is intended exclusively for persons residing in Switzerland or in the Principality of Liechtenstein. The stated benefits and investment assets may not be directly or indirectly acquired by or assigned to persons residing in the USA and its sovereign territories or to its nationals or those with a right of residence.

8 The future starts here. Swiss Life Ltd General-Guisan-Quai 40 P. O. Box 8022 Zurich