CapitalCertificate

Happy couple canoeing

Security and profits from financial investments? Yes, it is possible.

Investing can be fun: With CapitalCertificate you benefit from the price gains of ten successful and sustainable Swiss companies – with capital and profit protection as well as a return boost of 15%. As a form of life insurance, CapitalCertificate offers additional tax incentives and protection for surviving dependents.
Increase

Invest with strong returns

You benefit from the price gains of the «Swiss Top Ten Basket», composed of the stocks of ten leading Swiss firms. On top of that, you’ll get a return boost of 15%.

Security

Invest your capital securely

You make an intelligent investment that deftly bounces back from possible losses. Your capital is fully protected in case of negative performance of the «Swiss Top Ten Basket» down to minus 40%.

Plant

Take advantage of the strong Swiss economy

You invest in Swiss shares with a good sustainability rating. Since the «Swiss Top Ten Basket» covers various sectors, your financial investment is also well diversified.

Your advantages

  • Attractive return opportunities through participation in the «Swiss Top Ten Basket» with sustainable Swiss companies
  • Return Boost of 15% on the performance of the «Swiss Top Ten Basket»
  • Full capital protection in the event of performance of up to minus 40%
  • Zero foreign currency risk, no health check
  • Take advantage of the tax incentives of a life insurance policy thanks to the 10-year term – and Zurich covers the stamp tax
  • An investment is possible starting at CHF 20,000. Age at entry: 50 to 65 years

What other customers ask

Which companies comprise the «Swiss Top Ten Basket»?

CapitalCertificate allows you to invest in a well-diversified index of socially responsible Swiss equities. The «Swiss Top Ten Basket» is composed of ten leading Swiss companies, each weighted at 10%. This factsheet provides an overview.

The companies occupy different economic sectors, ensuring a well-diversified investment. All ten are furthermore selected according to social and environmental responsibility criteria, having a strong ESG rating. This rating is an indicator of the company’s commitment to responsible corporate governance with regard to environmental and social issues.

How high are the potential returns from CapitalCertificate?

With CapitalCertificate, you make an investment that is full of opportunities. You benefit from the price gains of the «Swiss Top Ten Basket», composed of the stocks of ten leading Swiss firms. On top of this, you’ll get a Return Boost of 15%, subject to a return cap of 85%. 

Over the past ten years (from 02.08.2006 to 30.07.2021), an investment in the «Swiss Top Ten Basket» would have generated an average annual return of 4.15%.

Important: Historical value development is not a reliable indicator of future returns. Zurich cannot guarantee future returns. Our consultants will be happy to provide you with detailed information about the opportunities and risks of this financial investment.

How does the profit protection work?

If the performance of «Swiss Top Ten Basket» on one of the three observation points (December 1, 2028, November 30, 2029 and November 29, 2030) reaches the profit protection threshold of 20%, you benefit upon expiry from a guaranteed minimum payout of 120% of your single premium. Upon expiry, you will be paid the higher value, either the closing price of the «Swiss Top Ten Basket» plus 15% return boost or the guaranteed minimum payout of 120% of your single premium.

How come there is a limited downside risk with CapitalCertificate?

CapitalCertificate features a clever protection mechanism. Your capital is fully protected in case of negative performance of the «Swiss Top Ten Basket» down to minus 40% (buffer zone). Even if this scenario occurs, you still get your full invested sum back upon expiration of the contract. You only suffer a loss on your investment in case of an index decline exceeding 40%. In such case, the payout value is calculated as triple the negative performance figure minus the buffer.

Our consultants will be happy to provide you with detailed information about the opportunities and risks of this financial investment.

How will I be informed of the price development of the «Swiss Top Ten Basket»?

You will begin on December 1, 2021 with a starting price of the «Swiss Top Ten Basket» of 1,000 points.

Afterwards you will receive an annual update in December on the value development of the «Swiss Top Ten Basket». We will also be happy to inform you about the situation at any time throughout the year upon request.

Who pays the stamp tax?

Purchase of a life insurance policy with a single premium incurs stamp tax of 2.5%, which Zurich will cover for you. This way, more money will flow into your investment than if you were to pay this charge yourself.

What are the advantages of life insurance compared to a financial investment with the bank?

  • You do not pay any income tax on interest and dividend income.
  • Thanks to the guaranteed death benefit, your surviving dependents are also well protected. Your surviving dependents receive the market value of the certificate or 101% of the invested funds as a minimum.
  • Your private assets are protected thanks to bankruptcy privilege. If you name your spouse, registered partner or children as beneficiaries, the life insurance will not become part of the bankrupt’s estates in the event of your firm becoming bankrupt.

You advisory service

Invest safely and still make a profit: We would be glad to advise you.
Pig

Zurich Investment Advisory

Money isn’t everything in life, but it does enable us to make many of our dreams come true. We show you how to invest your money to reach your desired goal.

Plant with blue glove

Invest like a professional

The Zurich Invest fund account lets you choose between a range of investment funds to accumulate wealth in a structured yet flexible way.

A boy in the arms of an elderly man.

Unit-linked life insurance CapitalFund

Accumulate wealth, make provisions for retirement and save on taxes – CapitalFund unit-linked life insurance makes it possible.