Saving with Funds

INVIVA

With INVIVA, you save in the 3b pillar – the free, unrestricted pension plan – and at the same time, you insure yourself against the risk of death. With the savings component, three different funds with different risk profiles are available for selection – you benefit from the profit potential of the financial markets.

Reliable protection

Reliable protection

Guaranteed capital sum upon death for the protection of surviving dependents and creditors

High level of flexibility

High level of flexibility

Three investment funds with the possibility to switch during the duration of the contract

Clear tax advantage

Clear tax advantage

Income tax-free capital payout in case of survival*

Here are the most important advantages of INVIVA Fund-Linked Savings and Term Life Insurance:

  • Payout of the value of the fund shares when the policy expires
  • Payout that is income tax-free*
  • Protection for surviving dependents and creditors
  • Payout in the event of death due to illness or accident of the guaranteed capital sum upon death or the value of the fund shares, if this is higher
  • Periodic premiums for as little as CHF 50/month (you are free to choose)
  • One-off deposit for as little as CHF 5,000
  • Free choice of beneficiaries
  • Client-friendly surrender – after only 12 months
* With periodic premiums, the payout is always income tax-free. With a one-off premium, the payout is income tax-free if the requirements for provision have been met.

How does INVIVA work?

When taking out INVIVA, you can decide for one of three possible investment strategies (funds). During the duration of the contract, you deposit the stipulated premium regularly. The deposited savings premium is invested in the fund chosen by you. In this way, you participate in the developments of the financial markets. At the end of the duration of the contract, the value of the fund units is paid out to you. In the event of death, the guaranteed insured capital sum upon death – or the value of the fund unit, if this is higher – is paid out.

 

Which investment strategies can be chosen?

Investors decide on an investment strategy and choose one of three funds when taking out the insurance. The INVIVA fund range of UBS includes three investment strategies: 
Fund name

Vitainvest 25 Swiss

Vitainvest 25 Swiss

Vitainvest 25 Swiss

Fluctuations in value

moderate average considerable

Investor profile

conservative

balanced

dynamic
With the full currency hedge in CHF, the investor is also safeguarded if the investments are invested outside of Switzerland. Source: UBS. Graphic serves for illustrative purposes only.