Payment plan

The Payment Plan is not an insurance policy, but a unit-linked investment. You invest your capital systematically during an accumulation phase and draw regular guaranteed payments during the payment phase. Should you die, Helvetia will pay the existing capital to your surviving dependants.

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.

Predictability and security are important for your private pension. As an investor you decide whether you want to contribute your funds by means of a one-off investment or to accumulate them regularly from current income. You choose the length of the accumulation and payment phases according to your needs.

Attractive return opportunities also contribute to the growth of your future benefits. While the guaranteed benefits are always assured by means of a fixed-term deposit, you can select the investment strategy for the market opportunity. You can place the emphasis on the markets on Switzerland, in Europe or worldwide, depending on your personal preferences.