Secure and individual income to supplement your AHV and pension fund benefits: With Swiss Life Calmo, you’ll be able to cover your ongoing expenses and treat yourself to something special every now and then with any returns.
46% of Swiss would like to put aside a nest egg for their old age
A secure income is central to the happiness of a majority of Swiss
Guaranteed supplementary income
In a nutshell
If you’d like to have retirement income that can be planned flexibly and is guaranteed and that gives you the financial flexibility to enjoy life’s extras both large and small, then Swiss Life Calmo IncomePlan is an ideal solution. This modern retirement savings concept combines a payout plan (Swiss Life Calmo Income) with a lifelong annuity (Swiss Life Calmo Pension). So you’ll have the flexibility you need to structure your retirement as you want. Furthermore, this combination offers a more advantageous level of taxation than a traditional annuity.
Your benefits at a glance
- Financial security: You receive a guaranteed income your whole life long. No matter how long you live and how the capital markets develop.
- Optimised income: You benefit from attractive potential returns with annual profit protection.
- Financial flexibility: Depending on your needs, you can withdraw a portion of your investment at any time.
- Flexible design options: You can develop an individual income solution by finding the combination of payout plan and annuity that is right for you.
Make an appointment for a consultation
Want to learn more about the Swiss Life Calmo IncomePlan pension solution or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.
More about the product
- Swiss Life Calmo IncomePlan can be adapted flexibly to your requirements:
- You determine the amount of guaranteed income you receive in two phases (until age 90 and from age 90 on).
- You select the date when the income payments start based on your needs.
- You can contribute additional funds during the course of the payments – for example, from the flexible investment – in order to increase your guaranteed supplementary income.
The flexible investment is part of the Swiss Life Calmo IncomePlan. Unlike other forms of life insurance, you can withdraw this portion of your funds at any time at no charge and meet any needs you may have. Participation profits are automatically credited to your flexible investment, increasing the amount available to you at no charge. You can also use funds from the flexible investment to increase your guaranteed supplementary income.
Your invested capital will be professionally managed and invested in an index basket comprised of well-known indexes. Any participation profits will boost your flexible investment. Thanks to annual profit protection, any profits that have already been credited to you will be preserved, even when the markets do not perform well. You can count on our experience: Swiss Life has been managing insurance and savings deposits for 160 years and has an excellent track record in this business.
The relevant period for participation in the index basket is from 20 May (participation key date) until 19 May the following year. During this period, the monthly returns of the individual indices are recorded and then added together at the end of the period based on their weight in order to produce a total return. The qualifying monthly index performance is subject to a ceiling. This ceiling depends on the current market environment and can be adjusted each year on the participation key date. If the performance is positive, the gains are credited to the contract. If it is negative, you lose nothing: your existing capital remains completely protected.
For the period from 20 May 2018 to 19 May 2019, the maximum qualifying monthly index performance is 2.5% (30% p.a.). The index basket during this period is comprised of: 34% SMI, 33% S&P 500 and 33% EuroStoxx 50. The participation rate is 80%. The exact amount of the individual contractual participation capital is shown in the detailed statement.
As of the next participation year (20 May 2019 – 19 May 2020), the Index-Basket will be enhanced with two additional indices and will be composed as follows: 20% SMI, 20% S&P 500, 20% EuroStoxx 50, 20% Nikkei, 20% FTSE 100.
The maximum value of the monthly qualifying index performance for the period from 20 May 2019 to 19 May 2020 remains unchanged at 2.5% (30% p.a.). The expected participation rate (the share of the mathematical reserve upon which index participation is based) is likely to be between 70% and 80%. The definitive value will be determined on 20 May 2019.
With Swiss Life Calmo IncomePlan, there is no stamp duty. You receive periodic payments from Swiss Life Calmo Income until age 90. Only the income in excess of your initial investment and any supplementary payments are subject to tax. From age 90, your pension payments from Swiss Life Calmo Pension are 40% taxable as income.
Enhance your future provisions with a guaranteed supplementary income
Swiss Life Calmo IncomePlan
Guaranteed regular supplementary income – for life
Swiss Life Calmo single premium - pillar 3a
Guaranteed regular supplementary income – for life
Swiss Life Calmo single premium - pillar 3b