Swiss Life Premium Expert Next 2033

The fund invests in a broadly diversified portfolio of funds, primarily in the areas of equities, bonds and real estate. You benefit like qualified investors from low-cost funds and/or unit classes.

The term-optimised investment management involves the investment experts at Swiss Life Asset Managers reducing volatility as the remaining maturity decreases. This way we aim to ensure that the investments are exposed to increasingly lower value fluctuations. To this end we specify volatility target sizes for the investments that decrease over the term. Taking account of the current economic situation, these volatility targets can be adjusted in both directions in order to position the portfolio correctly. In the case of positive signals the volatility target can be increased in order to achieve greater potential returns. Conversely, the volatility target can be reduced in the event of a negative outlook to be better positioned for a turbulent market environment with less volatile investments.

With this approach we aim to create an investment portfolio that, on the one hand, gradually and systematically reduces value fluctuations while at the same time offering sufficient flexibility to exploit market opportunities.

From CHF 40‘000.-

The payout at expiry is exempt from income tax, provided

• the contract expires after the age of 60;
  
• the insured person and the policyholder are the same;
• the contract was concluded before age 66 for a minimum term of ten years.

During the contract term: only wealth tax on the surrender value (and at cantonal level only)

In the event of death: no income tax; inheritance tax possible depending on policyholder’s canton of residence

• Inheritance and bankruptcy privileges
  
• Your entitlements are always fully protected by the tied assets Swiss Life is legally required to set aside. These are subject to strict controls by the Swiss Financial Market Supervisory Authority (FINMA).