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 (participation key date) until 31 January of 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 1 February 2019 to 31 January 2020, the maximum qualifying monthly index performance is 2.50% (30.0% p.a.). The Index-Basket during this period is comprised of: 20% SMI, 20% S&P 500, 20% EuroStoxx 50, 20% Nikkei, 20% FTSE 100.

The participation rate is around 55%. The exact amount of the individual contractual participation capital is shown in the detailed statement.