The flexible PaymentPlan


Zurich PaymentPlan: with funds or guarantee

Make the most of your capital – the PaymentPlan with funds allows you to decide how your assets are invested. And the PaymentPlan with guarantee gives you a high degree of certainty when planning your finances. 

Good reasons for a PaymentPlan

Person with stars


You decide how much you want to invest – and over what period the amount should be paid out. You can also determine the date on which payments should begin. 


The "PaymentPlan with funds" allows you to stay flexible at all times. You can arrange your regular payments yourself to ensure you have a carefree retirement: If your needs change, you can adjust the payment amounts, pause payments or make unplanned withdrawals.


Attractive tax benefits

In comparison to a banking solution, the "PaymentPlan with guarantee" offers you interesting tax advantages – the earnings from the saving phase are, as a rule, tax free. Only the additional profit that is accrued during the distribution phase must be declared as income. An additional benefit: the payment amount is guaranteed.

Zurich PaymentPlan: two options

The "PaymentPlan with funds" offers you attractive return opportunities. With the "PaymentPlan with Guarantee" you get guaranteed payments

How does the PaymentPlan with guarantee work?

The LifeClassic PaymentPlan is an insurance solution with a guarantee:

Your invested capital will be paid out as a pension after you retire for the agreed period. With this insurance solution, the agreed payments are guaranteed. Any surpluses are paid out on top. In addition to tax advantages, you also benefit from financial cover in the event of death.

How does the PaymentPlan with funds work?

Depending on your needs, you choose:

  1. the amount of the overall investment
  2. how you want to invest – either into one of three fund strategies (PaymentPlan with funds) or in the tied assets of Zurich (PaymentPlan with guarantee)
  3. the amount you wish to draw as complementary income and/or the payment term
  4. the date of the first payment.

Both PaymentPlans have specific advantages. Learn more about the details of both solutions in our overview.

Information and frequently asked questions about the PaymentPlan

FAQ Downloads

Further products and services

Man and woman

Pension planning

Set a course for your personal future now. We support you in this process – with comprehensive financial or pension planning. You define your personal goals – we analyze your situation and then work out a solution strategy for fulfilling your wishes.

happy elderly couple

Retirement pension

Do you want a secure additional income when you retire? The Zurich retirement pension offers a guaranteed payment thanks to insurance cover: for as long as you live. And if desired, also for your partner.

Father and son sailing

Individual Asset manage­ment

Wrong: With our fund-based wealth management, you can start investing with 100,000 francs and have your money professionally managed by the best investment experts.


Zurich Investment Advisory

We show you how to invest your money to reach your desired goal.

Pension guide

 Couple dancing in the kitchen

Early retirement – how a dream becomes reality

Are you dreaming about retiring a few years early? You're not alone. But early retirement is costly. Find out if you can afford it and what you need to do to make your dream a reality.
A woman is sitting on the floor with a tablet

OASI reform: The primary changes

The OASI reform applies from January 1, 2024 – and it affects everyone. These are the most important changes and how they will affect you.
 Beekeeper checks honey

Certificates: A low risk investment

Debentures, such as Zurich's certificate solutions, are a good alternative to investments in shares and traditional funds: They combine security and a return on investment in an optimal way.
Woman and man

Women and retirement provisions: How to get more out of your savings

Women are more likely to have gaps in their retirement provisions than men, which puts them at higher risk of financial hardship in old age, as shown by a new study from the research institute Sotomo.
Couple goes to yoga class

Long life and the retirement pension

We are all likely to enjoy and increasingly longer life – yet our pension systems have not yet been aligned with this. In this article you will find out what you can do to ensure your retirement pension is large enough and you are financially secure throughout your life.
Woman, man and piggy bank

Make your retirement provision a priority!

The money from the 2nd pillar, the pension fund, is often the largest component of your income in old age. To ensure good protection, each and every one of us should know as precisely as possible how much money will flow from which pillar. This enables us to plan for the future and close any gaps.
Payout 3a taxes

Pillar 3a: Save taxes on withdrawals

By withdrawing your retirement assets from pillar 3a and your occupational pension fund on a staggered basis, you can minimize your tax burden.