Whether tax-qualified (pillar 3a) or non-tax-qualified (pillar 3b) pensions solution: Swiss Life FlexSave Duo offers a guaranteed minimum payout plus potential returns in good stock market years.
-
![Alt Text]()
Those who plan are more financially confident.
-
![sparen.png]()
Accumulating capital is among the main ambitions of Swiss aged under 40.
-
![sparen.png]()
80% of women who become pregnant take time off from work during pregnancy.
In brief
Savings insurance with an extra advantage: in addition to the guaranteed minimum payout, you may also see gains as a result of the index participation. We credit these gains to your contract each year – so they are secure. And don't worry: negative stock market performance does not affect the guaranteed benefits. You also benefit from the flexibility of the combined pension plan. You can switch between tax-qualified (pillar 3a) and non-tax-qualified (pillar 3b) provisions – in line with your needs. For more self-determination.
Other advantages: If you become disabled, Swiss Life will continue paying your premiums for you. A guaranteed minimum lump sum is paid out in the event of death.
Your advantages at a glance
- You receive a guaranteed minimum payout on expiry of the insurance.
- You participate in the positive performance of the index basket.
- We protect the gains made each year – this increases your guaranteed payout on expiry of the insurance.
- With the option “Reinvest participation gains”, you benefit from higher potential returns.
- You can interrupt the premiums.
- With optional benefits in the event of disability and death, you can ensure better protection for yourself.
- With this combined pension plan, you can make a self-determined switch between pillar 3b and tax-privileged pillar 3a.
- Tax advantages of pillar 3a: premiums can be deducted from taxable income up to the statutory maximum amount. Upon payout, the lump-sum payment is subject to a reduced income tax rate that is separate from other income.
Tax advantages of pillar 3b: you pay no income tax in the event of survival or death. During the contract term, only wealth tax is payable on the surrender value (at cantonal level only). - Privilege option: you can choose this supplementary option from various Swiss Life "duo" savings plans. It allows you to increase your risk coverage in the event of changed circumstances without a detailed medical examination – and at special conditions for expanding the lump-sum death benefit. The privileged partial surrender of pillar 3a also increases the equity for the financing of owner-occupied residential property. > Find out more
Make an appointment for a consultation
Want to learn more about the Swiss Life FlexSave Duo product or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.
Make an appointment for a consultation
Want to learn more about the Swiss Life FlexSave Duo product or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.
You’re just two clicks away from your pillar 3a consultation!
We will be happy to advise you in a non-binding 15-minute phone conversation.
Information on index participation
See your detailed statement for the participation code relevant to your contract.
More about the product
The index basket is based on the performance of well-known market indices and currently takes into account the market regions Switzerland (SMI), the USA (S&P 500), Europe (EuroStoxx50), Japan (Nikkei) and the United Kingdom (FTSE).
If only one region has positive performance within a year*, it still results in gains from the index participation. We credit this gain to your contract.
* Based on the participation key date according to your policy.
If you choose the "Reinvest participation gains" option, half your gains from index participation will be used to acquire additional index participation the following participation year.
Please note:
- The "Reinvestment participation gains" option is not possible for contracts with a participation key date of 1 February.
- You can decide annually in advance whether or not to reinvest participation gains.
Product comparison
-
Optimum mix of security and return
-
Tax-optimised saving in pillar 3b