Fund account

The fund account is not insurance. You invest the full amount specifically for your personal pension or savings goal. In the event of death the full assets will be transferred to your survivors at the current market value.

If you need insurance protection it’s worth taking a look at the Helvetia performance plan. The performance plan can also be used to supplement an existing Helvetia fund account, depending on the individual situation.

With a fund account you decide on a highly flexible instrument for investing money with attractive potential returns.

• You can invest regularly by paying the same amount into the fund of your choice via the savings plan. Advantage: You benefit from the cost averaging effect: With the same amount, you buy lots of fund units when prices are low and few when prices are high. 
• You can either invest a certain sum of your choice once only.
• You can also opt for a combination of periodic savings plan and one-off payments.

You can sell all or part of your fund units at any time. If the contract is terminated, the units will be sold at the currently valid price and the capital will be paid out. In the event of death, the fund units will be paid out to the entitled persons at the current market value.

Pension account 3a and 3b

The fund account is as individual as you. You decide if the funds you select comprise mainly equities or if you prefer to focus on bonds. Mixed funds are also an option. An individual investment profile simplifies the choice of funds that are suitable for you.

With the fund account you take a conscious decision on a direct fund investment with attractive potential returns but without insurance protection. With its market opportunities, the fund account is an attractive alternative to a traditional savings account which offers only low interest.

Special solution "Vested benefits account (FZ)"

With the Helvetia fund account FZ as a "vested benefits solution" in the area of occupational benefit schemes, you invest your saved pension capital from the 2nd pillar in a fund-based investment product. For example, if you interrupt your professional activity, due to a longer trip, further vocational training, a career break or when switching to professional self-employment, you must invest your pension fund capital yourself. By transferring the saved pension assets to the Helvetia fund account FZ, your pension assets can continue to generate a return.

• Account/deposit bank: Lienhardt & Partner Privatbank Zürich AG
• Pension Foundation: Independent Pension Foundation 3a Zurich
• Vested benefits foundation: Independent Vested Benefits Foundation Schwyz