Financial independence and long-term planning security – the Helvetia payment plan makes it possible to realise a wide variety of future plans.
Regular payouts are particularly advantageous in view of retirement - they create financial scope for the nice extras or bridge income gaps in the event of early retirement.
Not every customer has the financial means to make a major one-off investment. Helvetia is the only insurance company in Switzerland to offer the option of building up capital for a payout plan with regular savings amounts.
Certainty and predictability are important – particularly after retirement or to enable early retirement from working life.. 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 (World Strategy Plus). Thanks to automatic profit hedging you can benefit from higher payouts resulting from positive market trends – until the end of the contract..
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.
If you die before the end of the contract, the contract is terminated and the existing capital is paid out to the community of heirs.
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 or retirement planning in general.