Swiss Life Premium Delegate/Choice Professional and flexible investing

Only those who invest money can get more out of it: with expert advice and an appropriate investment strategy.

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Flexible

ɬ High availability of your money and switch possible at any time between four different investment strategies

ɬ 24/7 online access to information on all aspects of your investments via the Swiss Life myWorld customer portal

Professional

ɬ Professional selection and monitoring of investments by specialists from Swiss Life Asset Management Ltd – even for small amounts

ɬ Personal, comprehensive advice and support from your advisor at Swiss Life – on request

You don’t need large sums to make more of your money.

What counts is a solution geared to your objectives.

Our recommendation Those seeking success ought not to leave anything to chance – particularly when it comes to investing money. If high flexi-bility is important for you and you wish to invest even small sums in premium investment solutions, our Swiss Life Premium Choice and Swiss Life Premium Delegate products are the right choice for you. Those who invest their money correctly, after all, can lead a longer self-determined life.

Our solutionsWith Swiss Life Premium Choice and Swiss Life Premium Delegate you invest your money flexibly in order to achieve medium and long-term objectives. You decide yourself when you pay in money or withdraw it. It is also up to you whether you wish to make the investment decision yourself or delegate it to our specialists.

Your advantages – you enjoy multiple benefits from both investment solutions

Personal

ɬ Individual definition of your investment sum – one-off investment or regular deposits

ɬ Personal definition of your individual investment strategy from low risk to high risk – based on your objectives

Attractive

ɬ Return potential instead of low interest rates ɬ Cost transparency thanks to an annual all-inclusive fee

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Swiss Life Premium Delegate

Place your trust in us: in return, our investment experts will give you their best.

Swiss Life Premium Choice

You want the maximum: in terms of both advice and self-determination.

With Swiss Life Premium Delegate, you can leave everything in our handsDo you not have the time, experience or interest to follow the performance of the financial markets and invest your assets accordingly? If so, then Swiss Life Premium Delegate is the right choice for you. This investment solution provides you with access to attractive investment compo-nents. Your fund portfolio is compiled and managed by Swiss Life Asset Management Ltd in accordance with your investment strategy.

With Swiss Life Premium Choice you make the decisionsDo you value the opinion and suggestions of investment experts but still wish to make your own investment decisions? In this case you should opt for Swiss Life Premium Choice. With this investment solution you invest in a first-class selec-tion of funds. Our experts draw up for you an optimally diversified proposal for a fund portfolio with an investment strategy that corresponds with your individual investment and risk profile. You adopt the proposal or adjust it to your needs. The optional rebalancing (see next page) supports you in consistently pursuing your investment objective.

Selection Monitoring

Analysis

Monitoring

Analysis

Proposal

Selection

Swiss Life Asset Management Ltd

Consultant/Customer

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The right solution in every case.

Swiss Life Premium Delegate Swiss Life Premium Choice

Offering Asset management: You delegate the investment decision within the scope of the selected investment strategy to Swiss Life Asset Management Ltd.

Investment advice: We draw up an investment proposal. You make the investment decision.

Investment instruments Index-tracking and passively managed investment funds (ETFs, index funds) as well as actively managed investment funds

Actively managed investment funds (in accordance with the range of funds listed)

Investment model Active management and weighting of asset classes by means of a modern management approach

Composition of the fund portfolio by experts

Fund selection By asset manager Swiss Life Asset Management Ltd

You select from the fund range on offer within the scope of your investment strategy.

Account/custody account management

Lienhardt & Partner Privatbank Zürich AG Lienhardt & Partner Privatbank Zürich AG

Rebalancing – Ensures the upholding of the percentage shares of the funds in your portfolio in accordance with your investment strategy. Automatic or individual on request

Portfolio check – Personal portfolio check every two years – on request

Advisory and support services

ɬ Comprehensive initial consultation on request – based on your personal circumstances and your objectives

ɬ Determination of your individual investment and risk profileɬ Personal support and advice

Reports ɬ 24/7 online access to information on all aspects of your investments in the Swiss Life myWorld customer portal

ɬ Professional investment report and regular market review and outlookɬ Annual detailed overview of asset and value development as well as a tax statement

The fees and commissions are listed in the fees and commissions sheet.

Deposits are possible from as little as ɬ CHF 1 000 for one-off investments ɬ CHF 100 for regular deposits ɬ CHF 20 000 for withdrawal plans

Withdrawals are realised through the sale of fund units.

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Three steps to your solution

Definition of your individual investment and risk profile Together with your advisor you determine your individual investment and risk profile – based on your personal circumstances, individual needs, objectives and financial situation.

Selection of your strategy and investment sumBased on your investment and risk profile you select your investment strategy (see examples on next page) on which your investment solution is based.

Decision: delegation or self-determination Finally, you choose the solution suitable for you: you can either delegate investment decisions or make them yourself.

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2

3

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Overview of the four investor categories and risk classes.

Growth “My objective is to generate a high return. I know that I can only achieve this by taking on more risk. I am therefore deliberately opting for a high-risk strategy with a large equity share and am also prepared to accept increased fluctuations.” The suitable investment strategy, Growth, has an equity exposure of around 75 % and accepts high asset fluctuations.

Equity

“I wish to achieve the highest possible return. I am therefore focusing entirely on equities. They offer the greatest return potential – with the greatest risk. I can ride out price fluctuations well with a very long-term investment strategy.” The suitable investment strategy, Equity, has an equity exposure of 100 % and accepts major asset fluctuations.

Income

“I have money available that I wish to invest sensibly because the bank hardly pays interest any longer. I am aware that equities can rise and fall. I don’t wish to take on too much risk with my money and would therefore like to keep the equity share low.” The suitable investment strategy, Income, has an equity exposure of around 25 % and accepts moderate asset fluctuations.

Balanced “I wish to generate a good return with my savings without taking on too great a risk. I’m banking on equities, but only for around half the portfolio. This entails a moderate fluctuation risk.”The suitable investment strategy, Balanced, has an equity exposure of around 50 % and accepts increased asset fluctuations.

Equity exposure approx. 25 %

Equity exposure approx. 50 %

Equity exposure 100 %

Equity exposure approx. 75 %

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Investing money as part of your retirement provision: an important issue at every stage in life.Regardless of what your stage in life is – Swiss Life can advise you on all topics concerning your pension provision and meet your personal needs with a wide range of solutions. Take advantage, too, of the comprehensive expertise and long-standing experience that we offer as the leading asset manager for customer assets.

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ɬ Have I made sufficient provision for my retirement? ɬ How can I save on tax? ɬ Which pension solutions are the right ones for me? ɬ Who should inherit my estate? ɬ Can I afford my dream home? ɬ Can I optimise my health insurance?

We would be happy to support you in finding the right answers and solutions.Please contact us.

Disclaimer: This brochure comprises a marketing document. The above information is designed for information purposes only. It does not constitute an offer, solicitation or recommendation to buy or sell investment assets, to engage in transactions or to conclude any other legal transactions. We assume no liability for the correctness of the information provided. The information published here is aimed exclusively at persons domiciled in Switzerland or in the Principality of Liechtenstein. The benefits and investments outlined here may not be acquired either directly or indirectly by persons domiciled in the USA and its sovereign territories or by its citizens and persons with the right of residency nor may they be transferred to them.

Are you also concerned about these issues?

We work together with the following partnersSwiss Life Asset Management LtdSwiss Life Asset Management Ltd is one of Switzerland’s largest institutional asset managers.

For further information please visit www.swisslife-am.com

Lienhardt & Partner Privatbank Zürich AGFounded in 1868, Lienhardt & Partner Privatbank Zürich AG has a wealth of experience and expertise in the invest-ment and pensions business, with real estate and in private banking. It is licensed by the Swiss Financial Market Super-visory Authority (FINMA) and is a member of the Swiss Bankers Association (SBA).

Further information and individual adviceDo you have questions about Swiss Life Premium Delegate and Swiss Life Premium Choice or would you like to find out more about our investment solutions? Would you be interested in receiving comprehensive pension consultation? Your advisor will be happy to take your call.

Further information can also be found at swisslife.chmyworld.swisslife.ch

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We work together with the following partners

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2016

Lyreco Nummern

Broschüre SL Premium Choice/Delegate DE 130830

Broschüre SL Premium Choice/Delegate FR 130831

Broschüre SL Premium Choice/Delegate IT 130832

Broschüre SL Premium Choice/Delegate EN 130833The future starts here.

Swiss Life LtdGeneral-Guisan-Quai 40P. O. Box, 8022 ZurichTelephone + 41 43 284 33 11Fax + 41 43 284 63 11www.swisslife.ch