Swiss Life Premium Expert

You are invested in a customised fund exclusively launched for Swiss Life Premium Expert. It targets low-cost funds and unit classes reserved for qualified investors. Swiss Life Funds III (CH) Expert ESG 2034 I A is optimally aligned to the term of Swiss Life Premium Expert. The investment experts at Swiss Life Asset Managers manage the fund with the objective of achieving as attractive a return as possible after ten years.

The fund invests in a broadly diversified portfolio of institutional funds and investment unit classes in the areas of equities, bonds and real estate.

• Equities allow you to participate in global economic development. This can involve investment in Swiss shares as well as in the equity markets in industrialised and emerging countries.
  
• Bonds fulfil various tasks in the portfolio. Bonds in Swiss francs and global government bonds serve as safe havens – particularly in times of turbulence. Corporate bonds and high-yield and emerging market bonds deliver higher earnings, especially in a stable, positive economic environment. The currency risk for bonds is systematically hedged.
  
• Real estate investments are another stable source of returns and further diversify your portfolio.

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 targets 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. If signals are positive, the volatility target can be increased – for better return opportunities. Conversely, the volatility target can be reduced in the event of a negative outlook in order to be better positioned for a turbulent market environment with less volatile investments.

In doing so we aim to create an investment portfolio that gradually and systematically reduces value fluctuations while at the same time offering sufficient flexibility to exploit market opportunities. For your self-determined financial future.

From CHF 40 000

Payout at expiry is exempt from income tax, provided

• the contract expires after age 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 is due on the surrender value (at cantonal level only).

In the event of death: there is no no income tax; inheritance tax may be due depending on the 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 controls by the Swiss Financial Market Supervisory Authority (FINMA).

Swiss Life Premium Expert is available until 31 May 2024.