Investments/Invest money Switzerland - Zurich Invest Certificate - Zurich Switzerland

Happy couple in a hammock

The perfect combination of security and potential returns

Investing can be fun: With Zurich Invest Certificate you benefit from the price gains of ten successful and sustainable Swiss companies. A clever protection mechanism also provides security.
Increase

Invest with strong returns

You benefit from the price gains of the «Swiss Top Ten Index 2», composed of the stocks of ten leading Swiss firms. On top of that, you’ll get a return boost of 5%.

Security

Invest your capital securely

You make an intelligent investment that deftly bounces back from possible losses. Your capital is fully protected at contract expiration if the «Swiss Top Ten Index 2» has negative performance down to minus 25%.

Plant

Take advantage of the strong Swiss economy

Your invested capital participates in price gains of the «Swiss Top Ten Index 2», comprised of stocks of ten leading Swiss firms.

Your advantages

  • Attractive return opportunities through participation in the «Swiss Top Ten Index 2»
  • Return boost of 5% on the performance of the index
  • Full capital protection in the event of performance of up to minus 25%
  • No foreign currency risk and no custody account fees
  • Term of five years and right of sale at any time at market price

What other customers ask

Which companies comprise the «Swiss Top Ten Index 2»?

Zurich Invest Certificate allows you to invest in a well-diversified index of socially responsible Swiss equities. The «Swiss Top Ten Index 2» 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 Zurich Invest Certificate?

Over the past 16 years (from 01.03.2005 to 15.04.2021), an investment in the «Swiss Top Ten Index 2» would have generated an average annual return of 6.15%. For comparison: The Swiss Market Index (SMI) only generated an average annual return of 3.972% over the same period.

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 come there is a limited downside risk with Zurich Invest Certificate?

Zurich Invest Certificate features a clever protection mechanism. Your capital is fully protected in case of negative performance of the «Swiss Top Ten Index 2» down to minus 25% (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 25%. 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 Index 2»?

The performance of the certificate can be tracked at any time via e-banking.

What are the advantages of a structured product like the Zurich Invest Certificate compared to an account solution with a bank?

  • You don’t have to forgo potential returns and instead benefit from the Swiss investment market thanks to the «Swiss Top Ten Index 2».
  • Your money is not sitting in an account without gaining interest, nor is it burdened by negative interest rates.
  • You don’t pay any custody fees.

Who issues the certificate?

The issuer of the certificate is Bank Société Générale, Paris. If the issuer is insolvent, the value of the certificate is not protected.

The bank Société Générale, based in Paris, is one of the 30 major banks that the Financial Stability Board (FSB) has classified as systemically important financial institutions. That is why it is subject to particular monitoring and must comply with stricter capital adequacy requirements.

Société Générale boasts very good credit ratings that are virtually identical to the credit ratings of banks like Credit Suisse.

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.