With CapitalFund, you invest in the same investment vehicles as large professional investors and thus benefit from cost advantages.
You benefit from the tax privilege on life insurance policies, and we pay the stamp duty – two tangible tax advantages.
Zurich offers you security thanks to an optional survival guarantee – so you can invest your money with attractive potential returns.
With the tax savings calculator, you can easily calculate your individual tax advantage through contributions to pillar 3a. This way, you can see how to strengthen your pension provision while reducing your tax burden, depending on your place of residence and income.
With life insurance as an investment solution, you combine the protection and tax advantages of life insurance with a return-oriented investment in funds:
With the CapitalFund single premium product, the single premium is invested in funds. A guaranteed death benefit is included in the event of death, so that the next of kin would receive at least the amount paid in. The costs for this protection are generally low, but ensure that the maturity benefit and thus all dividend and interest income are exempt from income tax.
A guaranteed maturity benefit can be included as an option.
The CapitalFund single premium investment solution offers you various options according to your personal risk appetite and risk capacity. Details can be found in our factsheet.
You can choose between 14 predefined investment plans with a focus on dividend income, sustainability and real estate. There are also 18 funds to choose from, which can be used to put together an personal investment strategy.
One-off acquisition costs of 5% (pillar 3b) or 3% (pillar 3a) are deducted from the single premium; the remainder is used to purchase fund units.
During the term, costs are incurred for administration and death cover. These are financed through the sale of fund units. The amount of the management costs depends on the amount of the single premium, but not on the fund balance. This means: The costs remain stable, even if the fund assets increase in value.
The amount of the risk premium depends on the fund balance. This only applies as long as the guaranteed minimum death benefit is higher than the available fund assets. If, contrary to expectations, the fund assets lose value, the risk premium would increase.
The return that can be expected from an investment solution with life insurance depends on how high the proportion of funds in your investment solution is, how these funds perform and how long you invest the money for. An investment in funds is always associated with certain risks, and the performance may fluctuate. Generally speaking, the greater the proportion of equities in your investment solution, the higher the potential returns, but also the higher the risks. With CapitalFund, you also have the option of choosing a variant with a guaranteed payout of up to 80% of your invested capital.
Yes, you benefit from the tax privilege on life insurance within pillar 3b. This means that the maturity benefit from CapitalFund is exempt from income tax. The following conditions must however be met:
This means that dividend and interest income is also exempt from income tax. CapitalFund therefore offers a major advantage over alternative investment instruments (such as an investment fund custody account), where the taxes incurred significantly reduce the return and therefore the maturity benefit.
You can find more tips on saving taxes here.
There is no one-size-fits-all answer to this question. Because it is important that it is the best investment solution for you personally. And the answer depends on various factors, such as your personal financial situation, your goals, your risk tolerance and your investment time. So there is no universal "best" investment solution, but there is "your" best investment solution.
Zurich offers you a choice of different asset classes that are suitable for different risk/return profiles. In addition to equity, bond, real estate and mixed funds, funds that track the performance of a benchmark index are also available. They therefore offer a cost-effective way of investing in various securities in a diversified manner.
We will be happy to provide you with comprehensive advice and help you find the investment strategy that best suits your personal goals and needs.
If you want your life insurance payout to be tax-free, it must run for at least ten years – regardless of whether you finance it through regular payments or a single premium. For a life insurance policy that you finance with a single premium, other factors must also be fulfilled:
The minimum term for pillar 3a is 5 years. On expiry of the insurance, the age of the policyholder must be at least 60 years and a maximum of 65 years.
In pillar 3b, the minimum term is 10 years and the earliest age of expiry is 60.
CapitalFund offers two Zurich sustainability funds from the "Zurich Climate Focus World Equity Fund" category.
The Zurich Climate Focus World Equity Fund tracks the performance of the "MSCI World Climate Paris Aligned Ex Select Business Involvement Screens Index". This index focuses on companies that have committed to the climate targets of the Paris Agreement to reduce CO₂ emissions. In this way, the fund contributes to climate protection and the promotion of sustainable investments. The index is broadly diversified and focuses on US technology companies such as NVIDIA, Microsoft and Apple. The risk currency is US Dollar.
The Zurich Climate Focus World Equity Fund tracks the performance of the "MSCI EUR IG Corporate Bond Index". This index focuses on globally distributed companies that have committed to the climate targets of the Paris Agreement to reduce CO₂ emissions. The risk currency is the euro with a hedge in Swiss francs. The index focuses in particular on bonds from France, the USA and the Netherlands.
CapitalFund single premium is an attractive investment solution for tax-optimized investments in pillar 3b and for yield-optimizing transfers of existing 3a assets. A comprehensive range of funds and an advantageous cost structure round off this package.
Whether you prefer to invest conservatively or with an appetite for risk, you are sure to find the right investment solution for you. And if your needs change, you can switch to a different investment plan once a year free of charge.
In selected investment plans, your money is invested according to the same principles as the investments of large investors. This allows you to benefit from noticeable cost advantages. If you wish, you can also select individual investment funds from an extensive investment universe - with complete flexibility and according to your wishes.
If you want a predefined investment strategy, Zurich investment plans are the right choice. You choose the investment theme (e.g. dividend focus, Zurich Climate Focus World Equity Fund, etc.) and the desired risk/return profile, and Zurich takes care of the rest. Your desired investment weighting is regularly restored within the investment plans ("rebalancing").
Would you prefer to define your own investment strategy? That’s no problem: Simply put together your desired solution from an extensive investment universe.
By the way: With both the investment plans and self-defined strategies, you have the option of transferring the fund units to your personal custody account and continuing to hold them when the contract expires. Provided they are mutual funds or you are a qualified investor authorized to hold units in institutional funds.
Throughout the entire term of the policy, your family, or your other beneficiaries, are provided with security by a guaranteed minimum sum paid out upon death. If the value of your investment is higher than the agreed sum in the event of a claim, the higher amount will be paid out.
