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When interest rates on your savings accounts are low, it's worth investing your savings in the financial markets. You can earn higher returns by investing in securities. And there are various investment options and strategies available to reflect your need for security, returns and accessibility.
Investment options from AXA – one of the world’s largest asset managers – combine the best of digital and personal advice for you. You decide how much much you want to be involved and how much you want to leave to the investment experts at AXA.
Generally, investing is a better way of growing your money than leaving it sitting around in a bank account. Depending on the solution and provider you choose, however, the investment minimums vary. EasyInvest discretionary management lets you invest from as little as CHF 7,500. For our SmartFlex investment plan, you will need CHF 15,000 for Pillar 3a and CHF 25,000 for Pillar 3b solutions.
Strictly speaking, both are funds. What they have in common is that they do not invest in just one bond, but rather in many. This is how investors spread their investment risk. One of the main differences between investment funds and ETFs is the way that securities are selected for the investment portfolio. The selections for investment funds are made by a fund manager or possibly even by a committee of experts. ETFs automatically replicate an index, such as the SMI. This is where the terms actively managed funds and passively managed funds (= ETFs) come from. Investment funds that use fund managers generally involve higher costs. ETFs have considerably lower operating costs because they don’t have anyone actively managing them.
AXA invests your money based on the investment strategy you choose. Using digital and personal services, we help you define an investment strategy with the level of security, returns and accessibility that best suits you, and we make sure that there is an efficient mix of ETFs, index funds and actively managed investment funds available to you. In established markets, we invest in affordable ETFs and index funds. In markets with more challenging structures, we enlist the expert knowledge of qualified fund managers to unlock additional performance opportunities.
Yes. Our SmartFlex investment plan offers sustainability-themed funds as an investment theme. We will be happy to help you build a sustainable portfolio using EasyInvest.
Just like your income, any interest you earn – such as on bank accounts or on bonds – is taxable. Any interest earned is taxed based on the marginal tax rate.
Example: You earn 1% in interest on your savings account at a marginal tax rate of 30%. After the tax deduction, your net interest income is 0.70%.
Income earned through dividends on equities is also taxable.
It’s important to know that there is no income tax on dividends or interest from endowment insurance under Pillar 3b. You pay a one-time stamp tax of 2.5% when you start the investment, which is generally offset by the tax savings you make over the first four years (depending on income tax, interest and dividends). This is why endowment insurance is advantageous from a tax perspective over the mid to long term.
Do you have any questions, or would you like a no-obligation pension consultation? Our experts are there for you.
Do you want to make a profit without taking any risks? Sorry, that's wishful thinking. That said, investing your money can pay off, even on a small scale.
Those who want to build their savings for retirement reliably and over the long term will fare best with targeted investments in diversified shares.
As retirement draws nearer, you need to think about how you want your retirement savings paid out. You can choose between a regular annuity and a one-time lump sum.
