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Swiss Life Investo Green: The modern pension that's right for me.
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What future do you want to live in?
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The sustainable pension that's right for you
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Two variants – one goal
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Your reliable partnership for a sustainable old age pension
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Your individual protection
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Sustainability at Swiss Life Germany
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Sustainability at Swiss Life Germany
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Impressum
"Because sustainability and flexibility are important to me." Swiss Life Investo Green: The modern pension that's right for me.
What future do you want to live in? We are all hoping for a carefree life in old age. But to get there, we can and need to take action privately now. With Swiss Life Investo Green, you can follow a holistic approach to your pension: Design your financial independence while supporting a sustainable future at the same time. Read this brochure to find out more about your sustainable pension.
The sustainable pension that's right for you Whether regional products, social projects or green energy in your home – there is a lot of willingness to take sustainable action for the future. The same should be true for your pension: If you choose Swiss Life Investo Green in your fund selection, you will be investing your money sustainable and will make an important contribution to protecting and preserving the environment. At the same time, your sustainable future pension will benefit from the financial performance and high-performing products of Swiss Life. That's especially important to us in our investments Governance (Corporate governance) The companies that you invest in must meet their corporate responsibility towards society. Their guidelines must prevent bribery, corruption and fraud. ESG Environment If companies treat their resources and the environment sustainably and with care, they make a positive contribution to their environment. This is also referred to as 'environmentally friendly'. Social The social aspect involves ensuring that monetary investments protect and improve our society's future. Good working conditions, human rights and peace should be guaranteed.
- The benefits of Swiss Life Investo Green Investment in sustainable assets and a carefree future Transparent investments Economy, environment and social matters at balance Investment in sustainable fixed assets with investment funds Top opportunities for yields with tested investment opportunities Hight opportunities for yields including in relation to pension benefits Find out more
Two variants – one goal Yield-oriented capital investment to ensure that your retirement remains free of financial worries Flexible contract options You can take out our unit-linked pension insurance as a private pension insurance or as as state-funded basic pension. At the same time, you can adapt your contract to your life and to your needs at all times. This is because: The two tariff variants and numerous individual components give you the option of designing your pension flexibly. Swiss Life Investo Green Active Swiss Life Investo Green Comfort The right choice for you if you want to take your pension into your own hands from the start. The right choice for you if you want to have that pleasant feeling of having sorted your financial future. Read more Read more Reliable companion for your sustainable success 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 charging station Top up easily and constantly. This component regularly ensures that the invest- ments 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 '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. Swiss Life Investo Green Active Swiss Life Investo Green Comfort
About Swiss Life Investo Green Build a sustainable, carefree future Yields instead of low interest Flexible design opportunity for each phase of life Broad investment opportunities A reliable pension partner at your side Does this sound like your goals for your personal old age pension? This makes Swiss Life Investo Green the pension that is sustainably right for you. Also thanks to its high level of flexibility when designing your pension. * During the contract, you can change the Green Investment plan initially selected at any time by selecting other sustainable funds (e.g. by replacing an ESG- fund with an ESG-Impact fund) or you can select other funds which do not comply with Articles 8 and 9 of the Transparency Regulation. In the latter case, you would leave the initial investment plan.
Your reliable partnership for a sustainable old age pension The benefits of Swiss Life Investo Green An eye on fund selection at all timesThe Swiss Life investment check: We review our fund offer on a regular basis and thus ensure that investment quality remains stable.Tailored to each phase of lifeYou can save towards your pension from 25 Euros per month. At any time on request, you can either increase your contributions or reduce or pause them if things are tight. You can also make additional payments at any time or flexibly withdraw capital from your balance (not for basic pension).Top flexibilityIf you want to increase your contri- butions or pay in an additional amount before your 67th birthday, we guarantee that you can do this based on the computational principles agreed at the start of the contract. Genuine added value!
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 that you do not use in the annuity remains invested as unit-linked. 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 that you do not use in the annuity remains invested as unit-linked. That's how you can still enjoy attractive opportunities for yields.
Your individual protection Select the old age pension that suits you Swiss Life Investo Green as a private pension (tariff variant Active or Comfort) Swiss Life Investo Green as a state-funded basic/ "Rürup" pension (tariff variant Active or Comfort) Your supplementary insurance – Professional disability cover You can also supplement Swiss Life Investo Green with our multiple award-winning professional disability insurance. Available with exemption from contribution upon request – in that case, Swiss Life pays the pension contributions for you. Multiple award-winning quality Well-known, independent rating and analysis agencies regularly investigate the corporate security of Swiss Life and award excellent ratings. All awards can be found here ANGLE-RIGHT
Benefit scenarios Investo private pension Charlotte Weidner, 25 Commercial clerk Charlotte is launching her project "old-age pension" today with a small amount for 42 years. She wants her payments to support topics that are important to her and her generation while remaining flexible throughout the contract term as concerns additional payments, increases and taking premium breaks. That's why she chose a private pension for her situation and the tariff Swiss Life Investo Green. Comfort variant Portfolio: Yields ETF green 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 Jens Maßmann, 43 Architect Jens only noticed relatively late that he has significantly gaps in his plan for his old age and that he doesn't have much time left to close them. That's why he chose a purely unit-linked pension with sustainable individual funds chosen by him, paired with tax funding as part of the basic pension. In order to also make a positive contribution with his savings premiums, he chose a specific solution for the next 24 years: Swiss Life Investo Green. Active variant Individual funds: iShares Aging Population 25 %, iShares Healthcare Innovation 25 %, iShares MSCI World SRI 25 %, Amundi Ethik Fonds I 25 % Survivors' pension benefits: Pension guarantee period 23 years Term: up to 67 years Premium: 500 Euros per month + 10,000 Euros additional payment at the beginning Net fund performance (after deducting costs) 6 % p. a.* Monthly pension at 67: 1,567.39 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.
Sustainability at Swiss Life Germany For us, it is of central importance to be a responsible and sustainable company. It is important to use to identify and respond to developments correctly and on time. This is also true of climate change - one of the biggest challenges that we are facing today. We ratify the goals of the Paris Treaty of 2015 to limit global warming to significantly below 1,5° C. The governing body for sustainability is the Group Management led by the Group CEO. A group-wide organisation consisting of sustainability experts and representatives from all divisions ensures that the measures agreed at Group level are implemented locally in the divisions. What does Swiss Life do for this in Germany? As a sustainable company, we accept our responsibility as an employer, in society, in business and in relation to the environment. Swiss Life assists people with living a self-determined life. That's our corporate mission which applies across the Group and which particularly drives our around 2,000 employees and more than 6,000 financial advisors in Germany. We act environmentally Swiss Life has set itself clear targets to reduce greenhouse emissions in its company buildings. For example, the company building in Garching has its own combined heat and power plant as well as from 2024 with independent photovoltaic plant systems. The location in Hanover will also follow suit and is expected to implement district heating in 2024. Swiss Life is a member of the Hanover Climate Protection Alliance, is involved in ÖKOPROFIT at its two main locations and has received multiple awards for its extraordinary commitment to occupational ecology. Swiss Life has already reduced CO2 emissions per full-time employee in its own business operations by 35% and is investing in climate protection projects in its core markets to offset unavoidable emissions from its operating activities. In addition, Swiss Life invests in digitalisation and hence in paperless advisory processes such as online video conferencing, e-signatures, as well as sustainable application, contract and commission procedures. The aim is to design the customer process to be as mobile in terms of time and location as possible in order to not only increase customer satisfaction but also reduce emissions from print-outs and mobility.
We have been awarded the ÖKOPROFIT seal several times: The seal honours our efforts to reduce CO₂ and save resources at the Garching and Hanover locations. 100% Electricity from renewal energies: 100 % hydropower for Hanover and Garching near Munich Reduction of our CO₂ emissions across the group by 35 % per full-time employee by 2024. kWh per employee/year kWh/year Sustainable energy consumption: 3,607 6,066,955 35%
close to 4.5million Donations generated in recent years social projects funded since 2017400 22,500 kg Fruit per year – free for employees 100% approx. 3,000 Annual cultural feedbacks to expand the culture of trust regional food from organic production in the canteen in Garching near Munich 4,000 state-of-the-art laptops through hardware exchange
We accept social responsibility In Germany, Swiss Life maintains the "Stiftung für Chancenreichtum und Zukunft" ( Foundation for Rich Opportunities and the Future) with the aim of supporting as many people as possible independently of their social origins to acquire knowledge in order to reduce competitive disadvantages and create equal opportunities. To achieve this, the foundation funds sustainable and charitable projects. All personnel and material costs are paid by Swiss Life Germany. Numerous employees and the around 6,000 financial advisors of the Swiss Life sales organisations support the foundation with regular donations. In addition to individual projects, Swiss Life also supports a strategic project with the initiative "KinderHelden" in which staff and financial advisors can act as mentors for children and teenagers during learning projects. Digital booster for focus schools: The Swiss Life Foundation has supported the Teach First Germany initiative since 2020. The organization has placed so-called ‘fellows’ at schools in seven federal states. In this context, fellows are university graduates from different subjects who are deployed full-time for two years and paid to work at schools facing special challenges. They not only support teachers during lessons, but also provide individual help for pupils who are struggling to learn. The funding from the Swiss Life Foundation relates particularly to the digital area and to raising the media competence of the pupils being mentored. In 2021, the Swiss Life Foundation focuses primarily on the topic of pupil media competence. We provide a positive corporate culture Swiss Life cares about supporting its employees. In addition to career opportunities, we also offer attractive social benefits at our locations. In addition to the company's own food, sports and health offers, employees also receive assistance with e.g. a Jobticket in order to be able to travel to work easily, safely and without wasting resources. In Hanover, Swiss Life runs its own company nursery and in Garching, it is cooperating with nearby child daycare centres and nurseries to offer childcare. Swiss Life aims to improve the work-life balance by supporting opportunities to work from home and for mobile work by providing attractive digital work devices with smart collaboration tools which make it possible to work across a network independently of the place and time. We care especially about a culture of trust in which employees act together and for each other. We invest a lot of time in personal development and in promoting a feedback culture. Find out more online why climate change matters to you and us and what we can do to fight it: www.swisslife.de/nachhaltigkeit