La Rente Certaine in 2023


What is Rente Certaine?

An annuity certain is an annuity paid for the duration of your choice, from a minimum of 5 years to a maximum of 25 years. It is financed by the payment of a single lump sum of at least CHF 5,000, in exchange for which you receive a guaranteed annuity over the period you have defined, which can subsequently be increased by a surplus portion.

The annuity certain offers you very attractive tax advantages: it exempts you from federal stamp duty (2.5% deducted from your initial payment) and, unlike life annuities, the guaranteed annuity you receive is not taxed at all on your taxable income.

It is an ideal solution for those who wish to use up their capital over a defined period, while benefiting from a highly advantageous tax system.

In Brief

The advantages of annuity certain

Defined annuity

You decide how long you want to receive the annuity.


The guaranteed annuity you receive is not included in your taxable income, so you pay no tax on it.


No need to actively manage your capital, the annuity certain guarantees you a regular income over a defined period.

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Annuity certain

Possible options