Would you like to change your investment strategy? Discover the options available to you from Swiss Life Dynamic Elements and find the best balance between return, security and risk to suit you.

Yes, you can change this distribution at any time during the term, in order to control the weighting of the return and security components. You used to have a constant premium split and now want a dynamic split – or vice versa? This can also be adjusted at any time. 


Absolutely – with the ad-hoc reallocation you can transfer contractual assets from one element to the other at any time. For example, would you like to reallocate your assets, which are largely held in the return element, to the security element in order to protect them from price fluctuations? Or do you think the time has now come to leave the security element's safe haven and take a returns-oriented approach? No problem, both options work. The only thing to remember is that assets transferred to the security credits in an ad-hoc reallocation are subject to a ten-year blocking period before they can be re-transferred to the return element.


Yes, that is possible and there is also optional maturity management for this purpose. If it is activated, the assets from the return element are reallocated to the security element every month five years prior to expiry of the contract. This reduces the negative effects from value fluctuations. You have not yet activated maturity management and would like to do so retroactively – or have you activated it and would now like to stop it? No problem. This adjustment can be made up to five years prior to the end of
the contract. 


Yes, it is possible. With the option of outperformance hedging, the outperformance achieved by the return element is automatically reallocated to the security element every year. Any surplus return relative to the security element resulting from the good fund performance is thus hedged and reinforces the security character of your investment. The outperformance hedging can even be activated or deactivated annually. 




Would you like to learn more about Dynamic Elements or would you like individual advice? We would be pleased to provide you with more information – in a personal and non-binding consultation. Whether at the General Agency, at your home or by video – you decide!

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