"Because flexibility is my greatest freedom." Swiss Life Investo: The pension that's right for me.

Old-age poverty? No, thank you! Thankfully, people are getting older and older. However, for state pension insurance, this means that a demographically falling number of contribution payers must pay for more and more pension recipients in the long term. This topic is in the media almost every day: If you rely on state pension alone, you will have to expect financial worries in your old age. In order to continue to enjoy your financial freedom in old age, you as an employee - and more importantly if you are a freelancer - must take out private pension insurance as well. And: The earlier you start, the better! That's because starting to save for your old age earlier means that you need to pay less each month towards your private pension.

About Swiss Life Investo Old age without financial worries Yields instead of low interest Flexible design options for every phase of your life Broad investment opportunities A reliable pension partner by your side Does this sound like your goals for your personal old age pension? Then Swiss Life Investo is the pension that sustainably suits you. Also thanks to its high level of flexibility when designing your pension. This is how Swiss Life Investo works in detail Swiss Life navigation system Always get to your goal safely. No matter whether you are investing in the tariff variant Active or Comfort: We check continuously to ensure that your chosen investment strategy is still right for you. Swiss Life 'cruise control' This lets you maintain your speed. This component regularly ensures that the investments in your chosen funds are made at a set ratio. This is a fixed component of the Comfort variant and can be optionally supplemented to switch to the Active variant at any time – free of charge. Swiss Life Investo Active Swiss Life Investo Comfort Swiss Life 'keep it steady' assistant Easily stay on the route to success. This optional component regularly checks whether your assets are subject to strong fluctuation. If this is the case, we will temporarily place part of your balance in lower-risk investments. Swiss Life 'switch it up' assistant Take measures to protect your success in good time. This compulsory component automatically ensures in up to two steps that you switch from a more opportunity-focused portfolio to lower-risk variants in time before your pension starts.

more than 150 years more than 160 years Your pension specialist Your investment specialist Find out more Find out more For more details, please see our General Insurance Conditions Flexible pension start dateIt is up to you when you want to get retired. From the age of 50 years (basic pension: from 62 years), you can retire earlier than the pension start date agreed when you concluded the contract or defer your retirement up to the age of 88 years (basic rent: up to 85 years). You will benefit from guaranteed pension benefit and at the same time have the opportunity to receive optimum yields: That's because your balance continues to be invested with a focus on yields. Moreover, you can still make additional payments and withdraw capital (capital withdrawal not possible with basic pension). Any balance not included in the annuity remains invested as before. That's how you can ensure attractive opportunities for yields in the long term.Genuine partial annuityFrom the age of 50 years (basic pension: from 62 years), you can claim part of your unit-linked pension. Any balance not included in the annuity remains invested as before. That's how you can still enjoy attractive opportunities for yields.

Benefit scenarios Investo private pension Mareike Sommer, 25 years Travel agent Mareike consciously chose a highly flexible pension model. It was important to her to start off with a regular contribution but to be able to adapt this with additional payments, dynamics and increases. Of course, withdrawals and the option to pause the contributions where necessary also needed to be included. At the same time, she wanted to make use of the opportunities for yields on the markets, while leaving the choice of special investments and their management up to the experts. For this, she chose the private pension and the tariff Swiss Life Investo. Comfort variant Portfolio: Yields ETF Survivors' pension benefits: Capital benefit Term: up to 67 years Premium 75 Euros per month + 1,000 Euros additional payment at the beginning Survivors' benefits, Net fund performance (after deducting costs) 6 % p.a.* Monthly pension at 67: 666.90 Euros (total benefits) Or capital benefits at 67: € 130,461.83 Investo basic pension Maximilian Winter, 43 years Motor vehicle expert When obtaining advice regarding his old age pension, Maximilian identified a gap in his plan. In order to close this gap as efficiently as possible, he wants to use an investment- focused solution combined with tax funding. For this, he chose the basic pension and the tariff Swiss Life Investo. Active variant Portfolio: Dimensional Funds – Global Core Equity Fund EUR Acc 30 %, DWS Top Dividend TFC 20 %, Flossbach by Storch – Multi Asset – Growth HT 30 %, iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Acc) 20 % Survivors' pension benefits: Pension guarantee period 23 years Premium: 500 Euros per month + 10,000 Euros additional payment at the beginning Term: up to 67 years Net fund performance (after deducting costs) 6 % p. a.* Monthly pension at 67: 1,576,39 Euros (total benefits) * This performance is only an example and not a guarantee, it depends on the development of the stock markets and individual investment behaviour.

Do yields and sustainability matter to you? Our unit-linked pension insurance Swiss Life Investo Green lets you invest your money sustainably while making an important contribution to protecting and preserving the environment, to fair working conditions and to combating fraud and corruption. Find out more in the ePaper for Swiss Life Investo Green about your sustainable old age pension.