Structured Products: Invest Securely with Attractive Return Opportunities

With CapitalCertificate and Zurich Invest Certificate, you invest in a well-diversified Swiss equity index. The «Swiss Top Fifteen Index» comprises fifteen successful Swiss companies, each weighted at 6.67%. An overview can be found in this factsheet (CapitalCertificate) and this factsheet (Zurich Invest Certificate).

With the Zurich Invest Certificate - Coupon, you invest in a globally diversified equity index. The «Global Top Fifteen Select Index» comprises fifteen companies from Europe, the USA, and Switzerland, each weighted at 6.67%. An overview can be found in this factsheet.

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

With CapitalCertificate and Zurich Invest Certificate, you invest in an investment full of opportunities. You benefit directly from rising prices of the respective index. In addition, you receive an extra return up to a defined maximum (Cap).

If the index performance reaches the profit hedging threshold in the last three contract years for CapitalCertificate and the last two years for Zurich Invest Certificate, you benefit from a guaranteed minimum payout of 120% of your investment at expiry. At expiry, you receive the higher value – either the closing price of the index plus the extra return or the guaranteed minimum payout of 120% of your investment.

CapitalCertificate, Zurich Invest Certificate, and Zurich Invest Certificate - Coupon feature a clever protection mechanism. Up to a defined negative index performance, your capital is protected by the «buffer». This means that even in this situation, you will receive your entire deposit back at contract expiry. A capital loss only occurs if the performance at expiry falls below the threshold. In this case, the negative performance minus the «buffer» is tripled.

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

• Interest rates on savings accounts are currently low; in some cases, after fees, you receive little more than inflation or even less.
• You don't miss out on return opportunities but benefit from the development of the Swiss stock market thanks to the index.
• You pay no custody fees.

• You benefit from attractive return opportunities and receive a guaranteed coupon of around 8 percent of the investment amount.
• Interest rates on savings accounts are currently low; in some cases, after fees, you receive little more than inflation or even less.
• You pay no custody fees.

You can follow the development on this website (Performance Overview). In addition, the current values for Zurich Invest Certificate and Zurich Invest Certificate - Coupon products are available at any time via the client platform (MyZurichInvest).

• You pay no income taxes on interest and dividend income.
• Thanks to the guaranteed death benefit, your loved ones are also well protected. Dependents receive the market value of the certificate, but at least 101% of the invested money.
• Your private assets are protected by bankruptcy privilege. If you designate your spouse, registered partner, or children as beneficiaries, the life insurance policy does not fall into the bankruptcy estate in the event of your company's bankruptcy.

With solutions that include insurance protection, such as CapitalCertificate, your loved ones are additionally protected: In the event of death, the current value or at least the insured death benefit amount is paid out. This way, you provide for your family and create financial security. With Zurich Invest Certificate, the current value of the certificate is paid out in the event of death. At the request of the heirs, the certificate can also be held until the intended end of the term.

Even if capital protection or a safety buffer exists, losses can occur – for example, if the underlying index falls more sharply than the safety buffer covers. Furthermore, the security of your capital depends on the creditworthiness of the issuer. Broad diversification in asset investment is recommended.

The issuer of the certificate may vary depending on the product. Detailed information can be found in the respective factsheet.

The issuers are selected and vetted by Zurich according to strict criteria. This is important because in the event of insolvency of the issuer (or its guarantor), the certificate is not protected, and there is a risk of loss.

Zurich offers you various options. You can choose between terms of 3, 5, or 10 years.