Swiss Life Premium PayoutPlan

Swiss Life Premium PayoutPlan is a flexible payout plan. It has two parts: one focuses on security for your regular payouts and one focuses on returns to help you accumulate wealth over the long term. The distribution is based on your risk profile and required payouts (monthly, quarterly, half-yearly or yearly). Swiss Life Wealth Management Ltd will then take responsibility for continuously managing your assets. With over 165 years of investment expertise and the financial expertise from an extensive network within the Swiss Life Group, economists and equity specialists ensure that your portfolio has the right balance. 

Automatic transfers are made to ensure that the requested payouts are received in your account on time and in full. The easiest way is to think of the two types of investment as pots: the "security pot” and the “returns pot”. The payouts are made from the security pot, as the money invested there is a more defensive investment. If the percentage share of the security pot falls below an agreed value (threshold), we automatically top up the capital from the return pot. This means your payouts are secure and you continue to benefit from long-term potential returns from the other part of the capital you invest. Fund units will be sold for the payouts that you define. Depending on the time of the sale, price losses may be incurred and you will also own fewer fund units over time. 

Please note: If the total value of your fund portfolio is expected to last for a maximum of two years, we reallocate all the capital to the security-oriented investment. Your capital therefore fluctuates less towards the end and offers you stability until the last payout.  

Swiss Life Premium PayoutPlan offers two strategies with different equity exposures and risks: 

Balanced

Medium risk, moderate fluctuations, equity exposure approx. 30%.

Recommendation: invest for at least five years 

Growth

Higher risk, greater fluctuations, equity exposure approx. 60% 

Recommendation: invest for at least eight years 

The best strategy for you depends on your financial goals, risk appetite and investment horizon. The recommended minimum term is 15 years This allows you to better exploit potential returns and receive stable payouts.   

Together with your advisor, you determine how much risk you are able (risk capacity) and willing (risk appetite) to take on. This is how your personal risk profile is defined. 

You remain flexible at all times: you determine the amount, frequency and duration of the payouts yourself and adjust them so that they always suit your circumstances. In addition, you can pay in or withdraw money from your investment plan during the entire term.  

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)”.