Invest in the "CapitalFund Single Premium" investment solution

With life insurance as an investment solution, you combine the protection and tax advantages of life insurance with a return-oriented investment in funds:

With the CapitalFund single premium product, the single premium is invested in funds. A guaranteed death benefit is included in the event of death, so that the next of kin would receive at least the amount paid in. The costs for this protection are generally low, but ensure that the maturity benefit and thus all dividend and interest income are exempt from income tax.

A guaranteed maturity benefit can be included as an option.

The CapitalFund single premium investment solution offers you various options according to your personal risk appetite and risk capacity. Details can be found in our factsheet.

You can choose between 14 predefined investment plans with a focus on dividend income, sustainability and real estate. There are also 18 funds to choose from, which can be used to put together an personal investment strategy.

One-off acquisition costs of 5% (pillar 3b) or 3% (pillar 3a) are deducted from the single premium; the remainder is used to purchase fund units.

During the term, costs are incurred for administration and death cover. These are financed through the sale of fund units. The amount of the management costs depends on the amount of the single premium, but not on the fund balance. This means: The costs remain stable, even if the fund assets increase in value.

The amount of the risk premium depends on the fund balance. This only applies as long as the guaranteed minimum death benefit is higher than the available fund assets. If, contrary to expectations, the fund assets lose value, the risk premium would increase.

The return that can be expected from an investment solution with life insurance depends on how high the proportion of funds in your investment solution is, how these funds perform and how long you invest the money for. An investment in funds is always associated with certain risks, and the performance may fluctuate. Generally speaking, the greater the proportion of equities in your investment solution, the higher the potential returns, but also the higher the risks. With CapitalFund, you also have the option of choosing a variant with a guaranteed payout of up to 80% of your invested capital.

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Yes, you have the option of choosing a guaranteed sum. This means you already know what your minimum benefit will be when the life insurance expires – regardless of how the investment component develops. The part of the savings premium determined by you is invested in the tied asset pool of Zurich Life Insurance Company Ltd, which is subject to strict investment regulations issued by the Swiss Financial Market Supervisory Authority (FINMA). This means your minimum payout is guaranteed at all times.

Investment solutions with life insurance can include various costs, such as management fees, insurance costs or transaction fees. With CapitalFund, you benefit from a favorable cost structure in the investment section because you invest your money in the same investment vehicles as large professional investors. This allows us to generate economies of scale, which we pass on to you.

Yes, you benefit from the tax privilege on life insurance within pillar 3b. This means that the maturity benefit from CapitalFund is exempt from income tax. The following conditions must however be met:

• Taken out before the age of 66
• Payment after the age of 60
• Agreed period of insurance of at least ten years
• Policyholder is the insured person

This means that dividend and interest income is also exempt from income tax. CapitalFund therefore offers a major advantage over alternative investment instruments (such as an investment fund custody account), where the taxes incurred significantly reduce the return and therefore the maturity benefit.

You can find more tips on saving taxes here.

There is no one-size-fits-all answer to this question. Because it is important that it is the best investment solution for you personally. And the answer depends on various factors, such as your personal financial situation, your goals, your risk tolerance and your investment time. So there is no universal "best" investment solution, but there is "your" best investment solution.

Zurich offers you a choice of different asset classes that are suitable for different risk/return profiles. In addition to equity, bond, real estate and mixed funds, funds that track the performance of a benchmark index are also available. They therefore offer a cost-effective way of investing in various securities in a diversified manner.

We will be happy to provide you with comprehensive advice and help you find the investment strategy that best suits your personal goals and needs.

If you want your life insurance payout to be tax-free, it must run for at least ten years – regardless of whether you finance it through regular payments or a single premium. For a life insurance policy that you finance with a single premium, other factors must also be fulfilled:

• You must conclude this at the age of 65 at the latest
• The payout is after your 60th birthday
• Policyholder is the insured person

The minimum term for pillar 3a is 5 years. On expiry of the insurance, the age of the policyholder must be at least 60 years and a maximum of 65 years.

In pillar 3b, the minimum term is 10 years and the earliest age of expiry is 60.

CapitalFund offers two Zurich sustainability funds from the "Zurich Carbon Neutral World" category.

The Zurich Carbon Neutral World Equity Fund tracks the performance of the "MSCI World Climate Paris Aligned Ex Select Business Involvement Screens Index". This index focuses on companies that have committed to the climate targets of the Paris Agreement to reduce CO₂ emissions. In this way, the fund contributes to climate protection and the promotion of sustainable investments. The index is broadly diversified and focuses on US technology companies such as NVIDIA, Microsoft and Apple. The risk currency is US Dollar. 

The Zurich Carbon Neutral Euro Corporate Bond Fund tracks the performance of the "MSCI EUR IG Corporate Bond Index". This index focuses on globally distributed companies that have committed to the climate targets of the Paris Agreement to reduce CO₂ emissions. The risk currency is the euro with a hedge in Swiss francs. The index focuses in particular on bonds from France, the USA and the Netherlands.