Structured products: Secure investments with attractive returns

Secure attractive returns and capital protection with our certificate solutions. You can choose between different investment horizons - depending on how long you want to invest.

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What are structured products?

Structured products, also known as certificates, offer a way to invest in a stock index without directly buying individual stocks or funds. If the index performs positively, you benefit from extra returns, while your capital is protected from losses up to a specified percentage – the so-called safety buffer.
The Zurich Invest Certificates allow you to invest in a stock index made up of 15 Swiss or international stocks, with a safety buffer of 25% or 30%. This gives you the chance to achieve a return of up to 50%.

Who are structured products suitable for?

Retirement-oriented investors

You want to invest in your retirement and build up wealth. The return should be higher than a savings account, while also reducing your risk compared to direct investments in stocks.

Beginners in the world of securities

The world of investments is new to you. You want to participate in the performance of the stock markets, but at the same time protect yourself against certain price losses.

Those approaching retirement or looking for short-term investments

You want to invest your assets with good prospects for returns while not taking on too much risk—even with a shorter investment horizon.

Examples from everyday life

Marie secures her assets with predictable returns

Marie, 65, is retired. She only wants to tie up her assets for the short to medium term (3-5 years), with a focus on security and predictable returns. Marie has two options:

  • Zurich Invest Certificate Swiss Top 15 Select Index - investment in Swiss equities with a safety buffer.
  • Zurich Invest Certificate Coupon - global equity basket with fixed 8% coupon and protection mechanism.
Max invests in the stock market with a safety buffer

Max, 25, has little experience with the stock market and values protection against losses. He chooses the Zurich Invest Certificate with a 5-year term, which allows him to participate in the performance of Swiss equities - with a safety buffer and limited profit (cap). This allows Max to enter the market easily, for the long term and with reduced risk - ideal for his first investment.

Frequently asked questions about the investment with certificates

Which stocks are included in the “Swiss Top Fifteen Select Index” and the “Global Top Fifteen Select Index”?

With the Zurich Invest Certificate, you invest in a well-diversified and sustainable Swiss equity index. The “Swiss Top Fifteen Select Index” comprises fifteen successful Swiss companies, each weighted at 6.67%. You can find an overview in this factsheet.

With the Zurich Invest Certificate – Coupon, you invest in a globally diversified equity index. The “Global Top Fifteen Select Index” includes fifteen companies from Europe, the USA, and Switzerland, each weighted at 6.67%. You can find an overview in this factsheet.

The companies operate in various sectors, ensuring that your investment is well diversified.

Why is the risk of loss limited with the Zurich Invest Certificate?

The Zurich Invest Certificate features a smart protection mechanism. Your capital is fully protected as long as the “Swiss Top Fifteen Select Index” does not decline by more than 30% (“buffer”). For the ZIC Coupon on the “Global Top Fifteen Select Index,” the buffer is 25%. This means that even if your certificate loses value up to this threshold, you will receive your entire investment back at maturity.

Only if the loss exceeds 25% or 30% will a deduction be made from your capital: in this case, the negative performance exceeding the buffer is tripled. For example, if the buffer is 30% but the certificate loses 35% in value, you would lose 15%—which is still significantly less than the actual loss in value. If the index loses more than 45%, the certificate would lose the same amount.

Our advisors are happy to provide you with detailed information about the opportunities and risks of this investment.

Who is the issuer of the certificate?

The issuer of the Zurich Invest Certificate – Coupon is BNP Paribas Issuance B.V., Netherlands. The guarantor is BNP Paribas S.A., France. The prospectus is available at https://rates-globalmarkets.bnpparibas.com/documents/legaldocs/index_files/31-05-2024-4.pdf.

The guarantor of the Zurich Invest Certificate is Société Générale, France. The prospectus is available at https://prospectus.socgen.com/program_search

In the event of insolvency of the issuer or the guarantor, the value of the certificate is not protected.

This is advertising for a financial instrument.

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