The smart investment SmartFlex capital plan

A flexible combination of equity and interest investments
Tax advantages and other privileges
Preferential interest rate: currently 2.2%
Key Points at a Glance
  • Flexible investment split: You decide how much you want to invest in return-oriented equity investments (return-oriented capital) and how much in security-oriented fixed-income investments (safety capital) – completely in line with your needs.
  • Financial advantages: You save on taxes as no income tax is due on dividends or interest payments, provided certain criteria are met. You can also benefit from inheritance and bankruptcy privileges.
  • Attractive preferential interest rate: You currently receive an attractive preferential interest rate of 2.2% on the safety-oriented part of the investment.

SmartFlex capital plan: the easy way to accumulate capital

With the SmartFlex capital plan, you invest in a smart capital investment and accumulate your assets in a targeted way. This allows you to design your capital plan individually, adjust it flexibly, and make use of free safety options. 

Advantages for you at a glance

  • Tax advantages: No income tax is due on dividends or interest if the 3b criteria are met; this results in tax advantages.
  • Inheritance privilege: In the event of death the benefits do not form part of the estate, meaning that the beneficiaries receive them even if they turn down their inheritance.
  • Bankruptcy privilege: The money is protected from the claims of creditors if the husband, wife, registered partner, or descendants are designated as beneficiaries.

Free safety options

Our safety options help you control the risk of your capital investment. You can activate and deactivate these free of charge whenever you like.

  • Investment management: Staggered investments reduce the risk of unfavorable timing.
  • Earnings protection: investment income is protected regularly and can no longer be lost.
  • Contract maturity management: The gradual reallocation of return-oriented capital to safety capital reduces the investment risk towards the end of the contract.

Who can benefit from a capital investment?

A capital investment aims to generate long-term returns and to increase the money invested. This method of accumulating capital is particularly suitable for anyone wishing to start their retirement and estate planning at an early stage. 

The SmartFlex capital plan for pillar 3b offers an ideal solution. It is worthwhile making this capital investment in plenty of time before retirement, as a minimum term of 10 years is required for the tax advantages. The assets saved will be paid out at the end of the term or in the event of death.

Thanks to low fund costs and attractive tax advantages, and due to the medium- to long-term investment period, the capital plan offers the opportunity for higher returns compared to traditional bank accounts.

How the SmartFlex capital plan works

In a nutshell.

Flexible allocation of investments

You decide how much of your capital is invested in equity funds as return-oriented capital and how much is invested as interest-bearing safety capital. Reallocations between return-oriented capital and safety capital can be made at any time.

Chart: SmartFlex capital plan investment split

Chart: SmartFlex capital plan investment split

Choice of investment theme

The SmartFlex capital plan enables you to make investments in line with your personal convictions. Choose between "Sustainability", "Switzerland", "Future Trends", and "Global". No matter which investment theme you select, AXA excludes around 200 companies in sectors such as tobacco, controversial weapons, coal, oil, gas, and others. No investments are made in these companies. You can find out more here: ESG: definition and approaches.

Graph of the positive performance of SmartFlex funds since launch
Table of the positive performance of SmartFlex funds since launch

Frequently asked questions on the SmartFlex capital plan

  • What does the SmartFlex capital plan do better than other investment solutions?

    As capital insurance, the SmartFlex capital plan offers the following advantages over a bank investment:

    • Tax advantages: No income tax is due on dividends or interest payments, resulting in tax advantages.
    • Asset protection in the event of debt collection proceedings or bankruptcy: The capital investment is protected in favor of the family in the event of enforcement proceedings.
    • Inheritance planning: Makes it easier to transfer assets by paying out the capital directly to the beneficiaries in the event of death.

    SmartFlex differs from other capital insurance policies due to the following additional services:

    • Investment management: The staggered investment of funds reduces the risk of unfavorable timing.
    • Earnings protection: The investment income is protected regularly and can no longer be lost.
    • Contract maturity management: The investment risk is reduced towards the  end of the contract by gradually reallocating the return-oriented capital to the safety capital.
  • Which criteria need to be met in order to benefit from the tax advantages?

    No income tax is charged on the interest and dividends received, and the payout is tax-free if the following criteria are met:

    • Contract concluded prior to the age of 66
    • Contract term of at least 10 years
    • Payout from the age of 60 at the earliest
    • The policyholder and the insured are identical
  • How much do I need to invest?

    With the SmartFlex capital plan you benefit from the advantages of capital insurance starting from a one-time deposit of at least CHF 15,000 (pillar 3a) or CHF 25,000 (pillar 3b).

  • Do I need any special knowledge or experience to take out the SmartFlex capital plan?

    No. Your pension advisor will explain everything you need to know in a way you can understand. We will clearly point out the risks, opportunities, developments, and costs of your personal solution.

  • What costs are payable with the SmartFlex capital plan?

    The fees for SmartFlex are comprised as follows:

    • Fund costs: 0.20% – 0.42% p.a., depending on the investment theme
    • Overall costs: shown individually in the offer
    • One-time stamp duty: 2.5% of the single premium (3b flexible retirement saving)

    The annual tax savings usually exceed the stamp duty after around four years (depending on income tax, interest payments, and dividends). Capital insurance is thus more advantageous than a bank investment over a medium- to long-term horizon

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