Do you have capital that you would like to invest securely and with little fluctuation over the next few years and which you would like, for example, to use as supplementary income after retirement? Would you like to be able to choose between regular payouts and a one-off payout? If so, Swiss Life CapitalPlan is the right solution for you.

In brief

You invest a one-off amount in Swiss Life CapitalPlan and determine from when and over what period the payouts are to be made. You receive a capital option at the start of the payout, allowing you to withdraw your capital in full without incurring any costs. You benefit from a total interest rate for the entire contract term.

Your advantages at a glance

  • Reliability: low-fluctuation, reliable investment with attractive interest rate and low risk of loss
  • Decision-making freedom: choose between a one-off lump-sum payment and monthly payments. This decision can be made prior to the start of the payouts.
  • Flexibility: the start and duration of payouts can be selected individually; additional payments and early lump-sum withdrawals can be requested at any time.
  • Tax advantages: no stamp duty, the monthly payouts are attractive from a tax point of view compared to life annuities.

Please do not hesitate to arrange a consultation!

Do you want to learn more about Swiss Life CapitalPlan, 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

Total interest rate from 1 January 2024: 1.8%

The minimum investment is CHF 100 000.

Capital option or monthly payouts.

Minimum contract term 22 years, maximum contract term 40 years.

Application can be made at any time up to eight years prior to the capital option.

From a tax point of view, the payouts consist of a capital repayment component and an income component. Income taxes are only payable on the income component. This is subject to reclaimable withholding tax. The contract balance is taxed as wealth.

Product comparison

  • Secure supplementary income with flexible structuring options

    Swiss Life CapitalPlan Invest

    • Low-fluctuation investment
    • Attractive interest rate
    • Monthly or one-off payment
  • Secure and uncomplicated supplementary income

    Swiss Life CapitalPlan

    • Low-fluctuation investment
    • Attractive interest rate
    • Monthly payments
  • Enhance your future provisions with a guaranteed supplementary income

    Swiss Life Calmo IncomePlan

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

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