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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.
Our safety options help you control the risk of your capital investment. You can activate and deactivate these free of charge whenever you like.
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.
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
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.
As capital insurance, the SmartFlex capital plan offers the following advantages over a bank investment:
SmartFlex differs from other capital insurance policies due to the following additional services:
No income tax is charged on the interest and dividends received, and the payout is tax-free if the following criteria are met:
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).
More and more people are working part-time in Switzerland. If you don’t actively manage your retirement provision, you could end up with a massive pension gap.
As retirement draws nearer, you need to think about how you want the money you’ve saved in your pension fund paid out.
When choosing a suitable provider for a pension solution based on Pillar 3a, interested parties are quickly faced with the question of whether to choose a bank or an insurance company.
