With Swiss Life FlexSave you participate in the positive development of the Index-Basket, comprising renowned indices.

The key period for participation is from 1 February until 31 January of the following year (“participation year”). At the end of a participation year, the current level of each index in the Index-Basket is compared with its level at the beginning of the participation year. If the level is higher at the end of a participation year than at the beginning, this results in a positive amount for the index participation. The individual positive amounts are added together in accordance with their weighting in the Index-Basket to calculate the Index-Basket’s performance. If an index does not achieve a positive performance, it is valued at 0.

The qualifying annual index performance for the individual indices is limited to a maximum amount (cap). This value is independent of the market environment and can be adjusted annually as at the participation key date. 

For the period from 1 February 2022 until 31 January 2023, the maximum qualifying annual index performance is 1.39%.

The sum of the effective maximum qualifying index performance for the 2023 / 24 participation year, starting on 1 February 2023, is set with effect from 31 January 2023 and will very likely be between 1.1% and 1.3% p.a.

The Index-Basket will be composed as follows:SMI: 20% / S&P 500: 20% / EuroStoxx 50: 20% / Nikkei: 20% / FTSE 100: 20%