In the accumulation phase, part of your investment goes into a fixed-term deposit. It forms the a basis for the subsequent minimum payment. So you know what minimum payment you can expect as soon as you sign the agreement.
With another element of your investment you participate in the return opportunities of the markets through a broadly based investment strategy. When market trends are positive, Helvetia secures some of the profits. Your guaranteed payments are increased as a result. So you profit from guaranteed benefits and additional return opportunities.
You choose the payment frequency you prefer – annually, half-yearly, quarterly or monthly . You can also modify this subsequently at any time.