Invest your money long term and benefit from earnings opportunities on the capital market.

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    A secure income is the objective of 61% of Swiss

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    One out of four Swiss is optimistic about their financial future

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    The longer the time horizon, the more sense high equity exposure makes

In a nutshell

You invest a one-time amount in the Swiss Life Premium PayoutPlan. That amount is placed in a security oriented and a return-oriented investment and paid out in accordance with your instructions. Regular reallocations from the return-oriented to the security-oriented investment are performed to comply with your risk profile at all times. You determine the payout amount, its frequency and the duration yourself.

Your benefits at a glance

Optimal mix of stability and return potential: your money is invested in two ways: with a security orientation for incremental use, and a long-term return orientation for future payouts.      

Superlative investment skill thanks to the longstanding experience of Swiss Life Asset Managers: Swiss Life Asset Managers selects the first-class fund investments, including proprietary Swiss Life funds, according to clearly defined criteria, and subjects them to active monitoring. Swiss Life Asset Managers has proven expertise in investments – going back over 160 years.

The invested capital is fully available at all times: you enjoy total flexibility since you can withdraw the capital, or make additional payments, at any time. You can also determine the amount and frequency of payouts, or defer them, whenever you like.

Please do not hesitate to arrange a consultation!

Do you want to learn more about Swiss Life Premium PayoutPlan, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

It is placed in a security-oriented and a return-oriented investment and paid out in accordance with your instructions.  

Security-oriented investment: this investment is broadly diversified and stability-oriented with a focus on low fluctuations. It consists of an income-strategy fund. The regular payouts are made from the security-oriented investment.

Return-oriented investment: the investment consists of several equity funds from various providers invested in global equities. They have a longer-term investment horizon and are intended to generate an additional return.

Depending on your personal risk profile, you can choose from between two investment strategies, Balanced and Growth. The percentage split between the security-oriented and return-oriented investments depends on which investment strategy you select.

Both investments deploy low-cost unit classes in CHF.

Funds of the Balanced investment strategy

Return-oriented investment                                                                                                                                       Swiss Life Funds (CH) - Portfolio Global Income / ISIN CH0469808114

Security-oriented investment                                                                                                                                    Pictet - Global Megatrend Selection / ISIN LU1966752302                                                                                          Aberdeen Global – World Equity Fund / ISIN LU1970471519                                                                             
Swiss Life Funds (LUX) Equity Global / ISIN LU1984484516

Growth investment strategy funds

Return-oriented investment                                                                                                                                  
Swiss Life Funds (CH) - Portfolio Global Income / ISIN CH0469808114

Security-oriented investment                                                                                                                               
Pictet - Global Megatrend Selection / ISIN LU1966752302                                                                                          Aberdeen Global – World Equity Fund / ISIN LU1970471519                                                                             
Swiss Life Funds (LUX) Equity Global / ISIN LU1984484516

Automatic reallocations are performed between the two investment vehicles.

The payouts are made from the security-oriented investment, since it is subject to lower fluctuations and is to finance the payouts. As a result, the percentage split of the security-oriented investment diminishes over time.

As soon as the security-oriented investment has fallen to a given percentage (threshold), the composition of the fund portfolio is returned to the defined start allocation. An automatic reallocation is performed from the return-oriented to the security-oriented investment, so there is money available for the next payouts. With the remainder of the money you continue to participate directly in the capital market and enjoy attractive return potential.

As soon as the total value of the fund portfolio is expected to suffice for a maximum of two more years, the total value amount of the fund portfolio is reallocated to the security-oriented investment. This further reduces the value fluctuations towards the end of the term while increasing the stability of the investment.

In contrast to a life annuity, payouts are not subject to income tax.

The recommended minimum term is 15 years.

You can choose monthly, quarterly, semi-annual or annual payouts.

Product comparison

  • Two in one - regular payouts and potential returns

    Swiss Life Premium PayoutPlan

    • Flexible payout plan
    • Actively managed investment funds
    • Potential returns
  • Guaranteed regular supplementary income – for life

    Swiss Life Calmo

    • Lifetime pension
    • Tax-privileged payouts
    • Attractive guarantees
  • Enhance your future provisions with a guaranteed supplementary income

    Swiss Life Calmo IncomePlan

    • Payout plan and pension
    • Tax optimised
    • Guarantees and potential returns