Swiss Life Premium Expert Next 2033 is no longer available since 1 July 2023. You can find all information on the fund here.

In a nutshell

With Swiss Life Premium Expert Next you can sit back and relax. The investment experts at Swiss Life Asset Managers take care of all investment decisions – enabling you to shape your life in self-determination.

The Swiss Life Funds III (CH) Expert ESG 2033 I A fund deployed in Swiss Life Premium Expert Next meets the sustainability criteria for the Swiss Life Category ESG (ESG: environmental, social, governance). 

Your benefits at a glance

  • Thanks to term-optimised investment management, your investment is optimally positioned at all times.
  • Experienced asset managers actively manage your investment and optimally align it in accordance with the market environment.
  • Your loved ones are financially protected – thanks to a guaranteed minimum benefit in the event of death.

Make an appointment for a consultation

Would you like to learn more about Swiss Life Premium Expert Next, or do you have any questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

You participate in a customised fund launched exclusively for Swiss Life Premium Expert Next. It targets low-cost funds and unit classes reserved for qualified investors. Swiss Life Funds III (CH) Expert ESG 2033 I A is optimally aligned to the term of Swiss Life Premium Expert Next. The investment experts at Swiss Life Asset Managers manage the fund with the objective of achieving as attractive a return as possible after ten years.

The fund invests in a broadly diversified portfolio of funds, primarily in the areas of equities, bonds and real estate. You benefit like qualified investors from low-cost funds and/or unit classes.

The term-optimised investment management involves the investment experts at Swiss Life Asset Managers reducing volatility as the remaining maturity decreases. This way we aim to ensure that the investments are exposed to increasingly lower value fluctuations. To this end we specify volatility target sizes for the investments that decrease over the term. Taking account of the current economic situation, these volatility targets can be adjusted in both directions in order to position the portfolio correctly. In the case of positive signals the volatility target can be increased in order to achieve greater potential returns. Conversely, the volatility target can be reduced in the event of a negative outlook to be better positioned for a turbulent market environment with less volatile investments.

With this approach we aim to create an investment portfolio that, on the one hand, gradually and systematically reduces value fluctuations while at the same time offering sufficient flexibility to exploit market opportunities.

From CHF 40‘000.-

The payout at expiry is exempt from income tax, provided

  • the contract expires after the age of 60;
  • the insured person and the policyholder are the same;
  • the contract was concluded before age 66 for a minimum term of ten years.

During the contract term: only wealth tax on the surrender value (and at cantonal level only)

In the event of death: no income tax; inheritance tax possible depending on policyholder’s canton of residence

  • Inheritance and bankruptcy privileges
  • Your entitlements are always fully protected by the tied assets Swiss Life is legally required to set aside. These are subject to strict controls by the Swiss Financial Market Supervisory Authority (FINMA).

Swiss Life Premium Expert Next is available until 30 June 2023.

Product comparison

  • Optimise return on investment and save on taxes

    Swiss Life Premium Comfort

    • Tax-optimised investment
    • Selection from three fund portfolios
    • Earnings protection possible
  • Optimally invested at all times

    Swiss Life Premium Expert Next

    • Customised fund
    • Professional term management
    • Experts take care of all investment decisions