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

Participation is from 5 April (participation key date) until 4 April the following year. During this period the Index-Basket returns are looked at on a monthly basis and then added together at the end 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 by Swiss Life.

For the period from 5 April 2019 to 4 April 2020, the maximum qualifying monthly index performance is 2.5% (30% p.a.).

The participation rate (share of the mathematical reserve upon which index participation is based) is around 80%.

The Index-Basket is composed as follows: 20% SMI, 20% S&P500, 20% EuroStoxx 50,20% Nikkei, 20% FTSE 100.