Investing your money

Get more out of your savings: invest some of your money in an investment solution. This will allow you to grow your assets while protecting your loved ones.

Benefits
	100 years of investment experience
	Expert advice from investment professionals
	Invest with tax advantages
	With financial protection for your family

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Investments

Benefit from over 100 years of investment experience: let our experts provide you with professional advice on investment opportunities specific to your needs. This will allow you to benefit from conditions usually only available to major customers. Maximise your returns and benefit from tax advantages while providing financial security for your family. Choose an investment solution that is precisely tailored to your needs.

Investments at a glance

Investing with insurance

Investment with protection

Potential returns

Attractive capital protection

Includes lump sum benefit

See details

Single-premium life insurance

Optimal investment for your money

Choice of investment plans

Includes lump sum benefit

See details

Vested benefits policy

Available again from 01.01.2027

Guaranteed interest rate

101% payout to surviving dependents in the event of death

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Investing without insurance

Investment plans

Plans for every budget

In line with your risk-return profile

Active asset management

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Investment funds

Perfect addition to your savings account

No custody account fees

Attractive potential returns

See details

Product Finder

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Comparison of investment solutions

	Financial investment with capital protection	Single-premium life insurance	Vested benefits policy
As pillar 3a or 3b	3b only	x
Benefits in the event of death	x	x	x
Capital protection upon expiry	x
Optimal potential returns	x	x	x
Inheritance and bankruptcy privilege	x	x	x
Flexible term		x	x

Investments in detail

Investment with capital protection

Single-premium life insurance

Vested benefits policy

Investment plans

Investment funds

In brief

One-off investment

Capital protection and potential returns combined

Protection for your family in case of your death

Inheritance, bankruptcy and tax privileges

Financial investment with capital protection
You make a one-off investment of at least CHF 10,000. When your insurance solution expires, you benefit from capital protection that safeguards your money against price collapses, while also giving you the opportunity to profit from price gains. If anything happens to you, your family members will enjoy financial protection thanks to the lump sum death benefit, It will be paid out to your loved ones whatever happens, even if they renounce their inheritance.

Why should I choose this solution?
With this investment, you will receive the payout tax-free. The condition is that you must have taken out the investment with capital protection before your 66th birthday.

In brief

One-off investment

Invest with a pillar 3a or 3b account

Attractive potential returns

Protection for your family in case of your death

Single-premium life insurance
You make a one-off investment of at least CHF 30,000 and benefit from attractive potential returns. You can choose whether to invest in a pillar 3a or pillar 3b account. The saved capital is then paid out to you at the end of the contract term. If anything happens to you, your family members will enjoy financial protection thanks to the lump sum death benefit, It will be paid out to them whatever happens, even if they renounce their inheritance.

Why should I choose this solution?
With this life insurance, you can grow your capital with excellent investment plans. You also provide financial security for your family in the event of your death.

In brief

Invest pension fund assets

Can be used to purchase a home

Flexible pension planning

Can be cancelled from 5 yrs before retirement age

Vested benefits policy
With the vested benefits policy, you can deposit your pension fund assets for a longer period of time. This may be necessary if you go abroad, take a career break or start your own business. You pay in your pension fund assets once and we invest your money and pay interest on it.

You will be able to draw on your capital in all of the cases provided for by law at any time. You can use it to fund or secure the purchase of a new home and, should anything happen to you, we will pay your surviving dependants 101% of the capital you invested.

Why should I choose this solution?
With the vested benefits policy, your pension fund assets will be well invested. The interest rate is guaranteed until the end of each year. You also have cost transparency.

In brief

Greater security thanks to broad risk distribution

Solutions adjusted to suit your risk profile

Wide choice of investment plans

Professional asset management

Investment plans
With us, you can use the savings premium of your unit-linked life insurance policy to invest. You can choose between different investment plans – classic or sustainable – depending on what suits you best. You also decide how high the proportion of shares should be. That depends on how much risk you are willing to take and how high you want your potential returns to be. Our experts actively manage your investments so that you achieve the best possible returns.

Why should I choose this solution?
Our investment plans provide you with first-class investment solutions to suit different needs. This is done with professional support from experts – for maximum potential returns and broad risk diversification.

In brief

Perfect addition to your savings account

Attractive potential returns

No custody account fees

Set monitoring mechanisms

Investment funds
Our investment funds are the perfect addition to your savings account. They give you the opportunity to achieve higher returns while keeping risk under control. No prior knowledge required. We have funds for every risk-return profile. A special extra: Generali is the only Swiss fund management company that does not charge any custody fees for managing your investments.

Why should I choose this solution?
Choose our investment funds to earn higher returns than with a savings account and to keep risk under control – with zero custody fees.

Questions and answers

One of the best ways to invest money and save at the same time is to use pillar 3a in Switzerland. It offers tax advantages, as the money you pay in can be deducted from your taxable income. Those who want to remain flexible can combine pillar 3b (free provident insurance) with unit-linked life insurance.

That depends on your needs around investing. If you would also like to cover your family in addition to you, then our single-premium life insurance, for example, is a suitable option. If you need as much security as possible and want as little risk as possible when investing, then we recommend Flex provident insurance or our investment with capital protection solution. If you’re willing to take more risks and invest in more affordable products, then our funds are ideal for you.

You can also find helpful tips on this topic in our articles on basic investment rules.

Investment strategies range from conservative to risky. A conservative strategy includes life insurance policies with guaranteed benefits, as offered in pillar 3a. Bond-only funds are also part of a conservative strategy. Unit-linked life insurance policies that invest capital in a wide range of funds fit a balanced strategy. Those who are willing to take more risks can invest in pillar 3 or in investment funds with a high equity component.

For more information on investment strategies, see our article 5 investment strategies.

You can choose an investment plan to suit you from our range of unit-linked life insurance policies. We offer a variety of solutions, including plans that invest in sustainable ESG funds – for example, our Tomorrow Invest insurance plan. This is an ideal opportunity to combine your ethical and ecological values with your financial goals.

Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.

If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.

The advice is free of charge, with no strings attached. You choose the time and place.

Discover all the benefits of a consultation

Investing your money

Investments

Investments at a glance

Investing with insurance

Investment with protection

Single-premium life insurance

Vested benefits policy

Investing without insurance

Investment plans

Investment funds

Product Finder

Would you like to insure a person or a loan / mortgage?

Comparison of investment solutions

Investments in detail

In brief

In brief

In brief

In brief

In brief

Questions and answers

Investing and saving money: what’s the best way?

How can I invest my money?

What investment strategies are there?

How can I invest sustainably?

What are the benefits of a Generali consultation?