Would you prefer to invest your money based on a specific theme? There are six of them to choose from. Our investment experts invest about half of your money in your selected investment theme and the other half in a wide range of funds.

How you benefit

Invest in themes

Decide on the focus of your investment themes. If you change your mind, you can alter the theme at any time.

Professionally managed

You benefit from a diversified portfolio. Once you have chosen a theme, our experts complement this with the best funds for you and continually monitor their performance.

Remain flexible

You choose whether you want to save regularly, make a lump-sum investment or withdraw money from your portfolio when you have retired. This allows you to live a financially self-determined life.

Is Swiss Life Premium Preference the right choice for me?

Swiss Life Premium Preference is suitable for you if you want to invest some of your money in a specific theme, while still benefiting from broad diversification thanks to our experts’ recommendations. For you this means:

  • You choose one of six investment themes.
  • About half of your money goes into this theme and the other half into a diversified core portfolio.
  • You can access your money at any time.
  • You can change your theme at any time.
With even small amounts, you can use your money to invest in a theme that is important to you: for example Swissness, Sustainability or Trends.
Sabrina Dietel Product Manager, Swiss Life Wealth Management Ltd

Would you like to make more from your money?

Your first consultation is free of charge and without obligation: at a location of your choice or from home via a video call.

Arrange a consultation

Key facts

Investment type: Fund portfolio with thematic focus and professional management

Investment instruments: Actively managed investment funds, passively managed ETFs or index funds

Investment strategies: From defensive (Income with approx. 30% equity exposure) to dynamic (Equity with approx. 100% equity exposure)

Investment themes: Global, Swissness, Swiss Life, Sustainability, Dividend, Trends

Reference currency: CHF

Minimum deposit: From CHF 100 for regular deposits or from CHF 1000 for a one-time investment.

Withdrawal plan: Possible from CHF 20 000. You decide how much to withdraw from your portfolio and how often. Ideal as a supplementary income in retirement.

Still have questions?

You can choose from these six themes:

Global
Your money is invested in actively managed funds that invest in various regions and asset classes around the world. Depending on your investment strategy, the funds contain more bonds, real estate or equities.

Swissness
Your money is invested in actively managed funds investing in the Swiss market and Swiss companies.

Swiss Life
Your money is invested in funds that are actively managed by the Swiss Life Group (Swiss Life Holding Ltd or a company controlled by it).

Sustainability
Your money is invested in actively managed funds that select their investments on the basis of sustainability criteria such as environmental protection, social responsibility and corporate responsibility (ESG criteria).

Dividend
Your money is invested in actively managed funds that focus on securities offering high dividends or distributions.

Trends
Your money is invested in funds that focus on megatrends that will shape our world over the long term. Examples of these major developments include digitalisation, health, energy, infrastructure and demographic change.

It is possible to switch between these themes at any time.

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

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

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

The Swiss Life starter account is ideal if you want a savings plan. You pay in money from a variety of sources and invest regularly in your portfolio via a standing order. When prices are low, you get more units for your money, and when prices rise, you get fewer. Over time, this will help average out the purchase price of the units.

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. 

Would you like a consultation?

We look forward to answering your questions about investments. Your first consultation is free and with no obligation.

Arrange a consultation

Still undecided? Further investment solutions for you

  • Choose a fund

    Swiss Life Premium Define

    • Select a specific fund
    • From defensive to dynamic
    • Savings plan from CHF 100
    • Possible to switch funds at any time
    • Investment advice
    Find out more

  • Benefit from global diversification

    Swiss Life Premium Delegate

    • Active funds, ETFs and index funds
    • From defensive to dynamic
    • Savings plan from CHF 100
    • Asset management
    Find out more

  • Our recommendation

    Which investment solution is right for you?

    • Answer a few questions and receive recommendations that suit you.
    Find an investment solution

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