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By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. As this information and terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses.  As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Swiss Life institutional funds are restricted to institutional investors (i.e. professional clients within the meaning of Annex II to Directive 2014/65/EU and qualified investors in accordance with the Swiss Federal Law on Collective Capital Investments).

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. . As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction.  Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing on this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained on this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses. As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from its own website. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. As this information and terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses.  As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. As this information and terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses.  As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. As this information and terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses.  As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. As this information and terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction. Persons or entities, in respect of whom such prohibitions apply, must not access or use this website. This website is reserved exclusively for non-US persons and should not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing in this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained in this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website is accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses.  As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from our own websites. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Swiss Life institutional funds are restricted to institutional investors (i.e. professional clients within the meaning of Annex II to Directive 2014/65/EU and qualified investors in accordance with the Swiss Federal Law on Collective Capital Investments).

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. . As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction.  Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing on this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained on this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses. As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from its own website. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Swiss Life institutional funds are restricted to institutional investors (i.e. professional clients within the meaning of Annex II to Directive 2014/65/EU and qualified investors in accordance with the Swiss Federal Law on Collective Capital Investments).

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. . As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction.  Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing on this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained on this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses. As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from its own website. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Swiss Life institutional funds are restricted to institutional investors (i.e. professional clients within the meaning of Annex II to Directive 2014/65/EU and qualified investors in accordance with the Swiss Federal Law on Collective Capital Investments).

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. . As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction.  Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing on this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained on this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses. As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from its own website. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Swiss Life institutional funds are restricted to institutional investors (i.e. professional clients within the meaning of Annex II to Directive 2014/65/EU and qualified investors in accordance with the Swiss Federal Law on Collective Capital Investments).

By accessing and/or using the website www.swisslife-am.com and any pages thereof (hereinafter referred to as "this website"), you confirm that you have read and understood the following important legal information and that you agree to the terms and conditions set forth therein. If you do not agree to, or do not wish to abide by, the following terms and conditions, please do not access or use this website. . As this information and these terms and conditions are subject to amendment from time to time, you should consult them regularly.

The information and services offered and described on this website are not intended for distribution to, or use by, any person or entity in any country or legal jurisdiction where such distribution or use would be contrary to applicable local laws or regulations or would subject the funds featured on this website to any registration requirements within such country or jurisdiction.  Persons or entities in respect of whom such prohibitions apply must not access or use this website. This website is reserved exclusively for non-US persons and may not be accessed by any citizens or residents of the United States. In particular, units of the applicable funds may not be offered for purchase or sold either in the United States or to or for the account of US citizens or US persons domiciled in the United States. To the extent that contents or documents are made available in a language that is not that of your country of domicile, this does not mean that sales authorisation has been granted or requested for countries with the corresponding national language.

The information contained in this website does not constitute an offer to buy or sell securities of any type. Nothing on this website should be construed as an offer or the solicitation of an offer to purchase, subscribe or sell an investment or to engage in any other transaction. Investors are expressly advised that the information provided is intended merely to provide inspiration for their own investment considerations. Its publication does not in itself constitute any investment advice and therefore cannot be construed as a recommendation to buy or sell securities, futures contracts or other financial instruments.

Furthermore, by offering information, products or services via this website, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation.

Products and services mentioned or described in this website may not be available to or suitable for you. The information provided here cannot replace consultation from an investment advisor/asset manager based on the individual circumstances of the investor.

All information contained on this website has been prepared by Swiss Life on the basis of publicly available information, internally developed data and other sources believed to be reliable. It is for general information purposes only and should not be considered a general or individualised recommendation or general or personalised investment, tax or legal advice. Reasonable care has been taken to ensure that the data and information used and contained in the website are accurate and that the opinions stated are fair and reasonable. All opinions and estimates constitute our judgement as of the date of publication and do not constitute general or specific investment advice. All figures and data are unaudited unless otherwise stated. All information on this website is subject to change without notice.

When purchasing or subscribing an investment on the basis of an analysis of the past performance of securities, futures contracts or other financial instruments, you should never forget that past performance offers no guarantee for the future. Both the value of an investment and its return can both rise and fall and investors may not recoup their invested capital. They should be aware of the fact that exchange rate fluctuations can exert an influence on investments in foreign currencies.

Any performance data presented on this website represent past performance. Past performance is no indication of current or future performance. The performance data do not include commissions and costs incurred when issuing and redeeming fund units.

Please note that Swiss Life Group companies and their employees may have interests or positions in relevant securities or may have a business relationship with the issuers.

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on this website are at all times correct, complete and available. Swiss Life reserves the right to change or remove data, information or references at any time without prior notice. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Your use of the internet or this website, and any links, hyperlinks and web addresses, is entirely at your own risk. This also applies to e-mails (electronic mail) and links that connect you to the Swiss Life website. Swiss Life assumes no liability whatsoever for direct or indirect loss or damage incurred by users of its websites or by third parties as a result of contacts or transactions made via the internet. In particular, it shall not be held liable for the accuracy, timeliness, quality, suitability or completeness of the data, information and content shown or transmitted via the internet.

Swiss Life does not guarantee technically smooth and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to technical problems elsewhere. Owing to amendments to laws, decrees and regulations and the risks of electronic communication, Swiss Life offers no assurance or guarantee that the websites will operate consistently without interruption or error or be free from viruses. As a user, you agree to use this or any connected website and their contents at your own risk. "Use" is also understood to include access to the above-mentioned websites and their contents.

Neither Swiss Life nor any other party involved in the design, production or the provision of this website or any connected website shall be liable for any loss or damage resulting from its use or from any erroneous content, irrespective of whether such loss or damage is direct or indirect, causally or non-causally related, contractual or non-contractual, or resulting from a civil or criminal law offence. This exclusion of liability also refers to indirect and consequential loss or damage such as foregone profits or losses due to business interruptions.

By accepting these terms and conditions of use, visitors to the website confirm that the details they have provided are correct and undertake to indemnify Swiss Life if they should have provided false information.

Swiss Life makes no assurances in connection with other websites that can be accessed via a link on its own website and over which it has no surveillance. Swiss Life does not assume ownership of the contents of third-party websites linked from its own website. It is unable to accept any responsibility for the contents of the linked sites, particularly not for changes to said sites after configuration of the link. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the contents of such websites or approves of their contents or their use.

This website contains proprietary names as well as images, information and brand and company names that are protected by copyright. All information contained on our websites is subject to the copyright provisions of your country of domicile and the applicable foreign laws. The applicable laws on the protection of intellectual property expressly prohibit any copying or use, either in full or in part, of such material, which includes the Swiss Life logo.

No information or references contained on this website may be copied, reproduced, distributed or used in other ways without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted certain use of the images, information or data in question (e.g. download of images). If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life.

Swiss Life undertakes to make use of the personal data that it receives via this website for internal data processing purposes only. Swiss Life shall to this end act within the limits of the statutory and regulatory provisions. Swiss Life undertakes to comply with the provisions of the European General Data Protection Regulation (Regulation [EU] 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing directive 95/46/EG) in force since 25 May 2018 as well as the national data protection laws as amended.

Please note that all your movements on this website may be recorded and analysed for security, marketing and system monitoring purposes, among others.

Access to and use of this website and any parts thereof, and the terms and conditions of this legal information, are governed by Swiss law. The place of jurisdiction is Zurich, Switzerland.

Swiss Life would like to point out that the concepts defined in the fund glossary are context dependent and may be interpreted differently in different situations. We therefore recommend you have their use in any specific context reviewed. Swiss Life can accept no claim or liability which may arise from the direct or indirect use of a term referred to in this glossary.

Should any provision of the aforementioned terms and conditions of use, sales restrictions and legal information be or become invalid, this shall not affect the validity of the remaining provisions.

Welcome to our
Funds Library

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Swiss Life Asset Managers is a pioneer in the management of quantitative multi-factor and minimum-variance equity strategies. We offer mutual funds designed to minimise long-term volatility. Our portfolio managers work in close cooperation with our analysts. The result is an active, resilient and systematic investment process with integrated risk management.

The management of government and corporate bonds is one of our core competencies, thanks to many years of work for the insurance companies in our Group. We manage fixed income securities for our clients in all major market segments: floating rate bonds, corporate bonds, high yield, inflation-indexed bonds and emerging market bonds. Swiss Life Asset Managers has also developed ”cash equivalent” solutions.

Investors can benefit from Swiss Life Asset Managers' multi-asset expertise in two ways: Our multi-asset funds with three risk levels invest quantitatively and systematically in equities, bonds and diversifying asset classes. We also offer risk premium strategies aimed at achieving stable and uncorrelated returns by investing in traditional asset classes.

Swiss Life Asset Managers money market products are geared specifically to the unique requirements of our clients. We offer short maturity funds as well as products for investment horizons from one week to three months. Our investment process relies on close cooperation, strict risk control and careful credit analysis, which means we are not dependent on credit ratings by the agencies.

A proven track record in infrastructure investment

Swiss Life Asset Managers has been investing in infrastructure stocks since 2013. Our focus is on core infrastructure projects and brownfield developments. Two of our funds invest for the Swiss Life Group, which means we have the same goals and interests as our clients.

As a member of the GIIA (Global Infrastructure Investment Association), Swiss Life Asset Managers offers institutional investors excellent access to infrastructure – an asset category characterised by stable and attractive riskadjusted returns after correcting for risk. Our long track record of direct infrastructure transactions, experienced investment team, extensive network of partners (financial and strategic investors), advisers and banks, and the firm commitment of the Swiss Life group to this asset class, all ensure that investors are able to benefit from our wealth of expertise in this sector.

Stable, attractive returns shielded from inflation

The private infrastructure sector has seen strong growth over the past decade, and investments in this field have become a key component of the asset allocation of a rising number of institutional investors. The infrastructure sector comprises the facilities and services that are necessary for the economy to function properly. Because of the monopoly they enjoy, government regulation or concessions, such installations are exposed only to limited competition .and therefore offer protection against inflation . They can include the maintenance and building of roads and transport networks, energy provision or education, healthcare or social services facilities.

Diversification and independence from the market

Investors can expect stable, attractive, risk-adjusted returns and the potential for long-term growth. Favourably treated by the Solvency II and SST solvency standards, and generally uncorrelated to other investment categories, infrastructure investments also increase portfolio diversification. Infrastructure investments are characterised by a relatively long holding period compared to other asset classes. This makes the rigorous selection of investment opportunities all the more crucial. At Swiss Life Asset Managers, identifying and managing risks are at the heart of our investment processes. Infrastructure investments are exposed to the following main risks: construction and development risks, operational/technical risks, demand and usage risks and regulatory risks. The upstream assessment process conducted by our experts includes a systematic analysis of environmental, social and governance (ESG) criteria.

A team of Infra Equity specialists

Our investment strategy focuses on investments in core infrastructure in Europe and North America. Our goal is to maximise the deal flow and be able to offer well-diversified funds. For this reason we are prepared to make our own deals and collaborate with other (institutional) investors in consortia, but also to join in investing in certain infrastructure funds. 

Swiss Life Asset Managers has more than 120 years of experience in the real estate business. Our objective is to achieve stable, long-term investment returns, creating the basis for our clients to make solid, long-term plans. We offer a broad range of investment strategies across the risk return spectrum with specific focus on well diversified pan-European core/core+ capabilities. Value-add, opportunistic and selected debt strategies are also part of the product range. Our investment solutions cover the following sectors: office, retail, residential, health care, hotel, logistics, student housing, light industrial and corporate real estate.

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