Swiss Life Premium Delegate

Following a personal consultation, we define your risk profile together and select the right investment strategy for you.

With over 165 years of investment expertise and the financial expertise from an extensive network within the Swiss Life Group, economists and equity specialists analyse the global financial markets on your behalf. Swiss Life Wealth Management Ltd will then take responsibility for continuously managing your assets. 

Your money is invested across global markets. This allows you to benefit from greater stability and long-term return opportunities.

We take a structured approach to building up your assets:

1. Define your personal risk profile
2. Determine a long-term strategy
3. Invest your money strategically
4. Monitor market developments
5. Review potential returns from your investments
6. Regularly adjust your portfolio

Over the long term, Swiss Life Premium Delegate offers greater potential returns than a traditional savings account. You determine how much risk you are willing and able to take on.

The easiest way to track the performance of your investment is in the Swiss Life customer portal. There you will receive a detailed statement of assets, the asset manager’s annual product report and your tax statement. Our quarterly report contains our outlook on the key developments across the economic and financial markets as well as the personal market assessment of our Chief Investment Officer at Swiss Life Wealth Management Ltd.

Tip: Use our “Asset accumulation calculator” to compare the potential returns of a savings account with those of an investment portfolio across different investment strategies.

Swiss Life Premium Delegate offers four strategies with different equity exposures and risks:

Defensive:
Low risk, minimal fluctuations, equity exposure approx. 30%.
Recommendation: invest for at least four years

Balanced:
Medium risk, moderate fluctuations, equity exposure approx. 50%.
Recommendation: invest for at least six years

Growth-oriented:
Higher risk, greater fluctuations, equity exposure approx. 70%
Recommendation: invest for at least eight years

Dynamic:
High risk, significant fluctuations, equity exposure approx. 100%
Recommendation: invest for at least 12 years

Your personal risk profile determines the right strategy for you. This is based on your investment horizon, financial situation and goals, as well as your appetite for risk. Together with your advisor, you determine how much risk you are willing and able to take on. 

It is possible to make a one-off payment from CHF 1000 or regular deposits from CHF 100. This is the ideal way to start investing or to supplement your portfolio with an additional savings plan. You can set up a standing order or make a one-off payment into a separate account. From there, we invest your money in smaller amounts. By making staggered investments, you benefit from the cost averaging effect.

With an investment of CHF 20 000 or more, you can regularly withdraw money from your portfolio (withdrawal plan). This could provide you with additional income after retirement, for example.

You determine the amount and frequency of the withdrawals yourself. To pay you the requested amount, we sell fund units from your portfolio at the current price. The number of your fund units will therefore decrease over time.

Yes, you will remain flexible: the money you invest is in principle available.

To make a withdrawal, you can log in to the customer portal and contact your advisor. We will then sell your fund units as quickly as possible and pay the amount into your account within a few days. You remain in control of your money.

We invest your money in line with the principle of diversifying risk and based on your personal risk profile. Swiss Life Wealth Management Ltd is responsible for managing your assets. It has been approved by the Swiss Financial Market Supervisory Authority (FINMA) and is part of the Swiss Life Group, which has over 165 years of experience. Your custody account is managed by Lienhardt & Partner Privatbank Zürich AG, a Swiss private bank regulated by FINMA. As a result, you benefit from high security standards and regulatory supervision in Switzerland.

Further information can be found in the information sheet Opportunities and risks of fund investments and in the brochure “Information brochure on the Federal Financial Services Act (FinSA)”.