Depending on the company's retirement provision strategy, insured persons can choose from nine investment strategies. One of the strategies offered is always risk averse. The investment strategy can be changed on a weekly basis if necessary.
The insured persons influence the development of their retirement provision assets by taking the choice of strategy into their own hands.
Flexibility: It is very important that every insured person seeks advice when choosing an investment strategy and regularly reviews their portfolio. The decision as to whether someone chooses a risk-averse investment strategy or an investment strategy with more risk must be coordinated with the person's overall situation. It may therefore be a good idea to switch to a risk-averse investment strategy before retirement. With Vita Select, insured persons can change their investment strategy on a regular basis.
Investment strategies: The following investment strategies have been compiled by the investment experts of Zurich Invest Ltd based on the different needs of the insured. The insured can consider the different investment strategies and choose the one that fits their needs perfectly.
Investment strategy Zurich Investment Foundation |
Security |
Investment strategies (incl. bandwidths) |
Investment style |
Equities |
Bonds |
Real estate, mortgages |
Alternative investments |
Money market |
000.722.858 |
Active |
0% |
100% |
0% |
0% |
Defensive |
002.844.745 |
Active |
10% - 25% |
35% - 70% |
0% - 30% |
0% - 15% |
Balanced |
002.844.737 |
Active |
15% - 40% |
30% - 60% |
0% - 30% |
0% - 15% |
Progressive |
002.844.727 |
Active |
25% - 50% |
20% - 50% |
0% - 30% |
0% - 15% |
Dynamic |
050.270.077 |
Active |
40% - 60% |
5% - 30% |
0% - 30% |
0% - 20% |
Mix 20 |
051.249.460 |
Active/Passive |
10% - 30% |
30% - 50% |
0% - 25% |
0% - 15% |
Mix 45 |
051.249.461 |
Active/Passive |
30% - 55% |
15% - 35% |
0% - 25% |
0% - 15% |
Mix 65 |
051.249.462 |
Active/Passive |
40% - 75% |
0% - 20% |
0% - 25% |
0% - 15% |
Mix 98 |
130.097.948 |
Passive |
85% - 100% |
0% - 10% |
0% - 5% |
0% - 5% |