Personal Strategies - No More Compromises.

The Swiss Invest Policy gives you the freedom to design your own investment strategy. This flexibility is retained throughout the term of your policy or investment. At anytime you can change or adapt your strategy to reflect changes in your personal circumstances or changing market conditions. All this is achieved with minimum administrative effort or changes on your part.

Single premium or regular premium payments?

You can choose whichever type of financing that suits you best. Either opt for a one-time deposit, or single premium, and let this capital grow in line with the performance of the fund markets or build up your assets steadily with regular annual premiums.

Funds or fund portfolios

A wide range of the best funds from our reputable partner companies are available to you. You can also choose to invest in various actively managed fund portfolios. Fund portfolios come with a built in investment strategy (e.g. fixed income, income-oriented, balanced, growth oriented or dynamic) which distinguishes them from straight fund investments. Straight funds cover specific individual criteria (like countries, currencies, sectors, etc.) and can be used as building blocks in a portfolio strategy.

Security or return oriented?

You decide which funds or fund portfolios are best for you based on your personal investment and security needs. Over the longer term, stocks have been shown to be the best form of investment for capital accumulation. However, temporary fluctuations in value cannot be avoided. Bond funds provide you with more security; but generally the returns are less than those for equity funds. Swiss Invest also offers you combinations of these asset classes within all the investment options open to you. If you would like to make changes to your Swiss Invest policy before it expires, your investment strategy or choice of funds can be altered at any time.

Modern portfolio theory has demonstrated that it is possible to optimise the relationship between risk and return via a specific selection of asset classes and currencies. A portfolio containing only bonds or francs (A), harbours greater risks and offers lower returns than one that also contains equities and foreign currencies (B). C has the same risk as A, but can be expected to yield considerably higher returns.