With the unit-linked payment plan from Helvetia, a wide variety of future plans and scenarios involving retirement or a break from work, for example, can be realised straightforwardly. Thanks to regular, guaranteed income you always have a firm hold on your finances.
Certainty and predictability are important – particularly after retirement. That’s why the Helvetia Payment Plan draws a transparent distinction between guarantee and chance. The guarantee part is invested as a fixed-interest investment in term deposit investments with our cooperation partner Raiffeisen Switzerland Genossenschaft. For the opportunity component you can choose between different investment strategies. Choose between the Swiss equity market (similar to SPI share index), European stock market (similar to MSCI share index) or a global investment strategy. Thanks to automatic profit hedging you can benefit from long-term higher payouts resulting from positive market trends.
During the payment phase you will receive regular payments. These are guaranteed by Raiffeisen Switzerland Genossenschaft and the minimum level of the payments is already known upon conclusion of a contract.
Upon expiration, you will receive the remaining credit share from the chance part (World Strategy Plus investment strategy).
If you die before the contract expires, the contract is continued in favour of your heirs. Where required, a notarial ruling can be obtained to name a different beneficiary or the share portfolio can be bought back.
The Helvetia Payment Plan is suitable for people who are planning to withdraw from working life or to make a long-term change in their employment situation. Possible keywords are early retirement, retirement planning in general, becoming your own boss, further training, career planning, a career break linked to planning a family and so on.
Description: With the Helvetia Payment Plan, it is possible to realise a variety of future plans such as early retirement or a career break without complication.