Review on the third pillar Vaudoise RythmoInvest

Life insurance linked to investment funds, available as pillar 3a and 3b

The third pillar Vaudoise RythmoInvest is, in our opinion, the most flexible third pillar insurance on the market. It is also a good product for those who want to approach investment funds, but with a more prudent approach. Yes, because beyond the different strategies offered "Prudent," "Moderate," and "Intense," the product will tend , over the years, to automatically lower the risk threshold until the last five years, where the assets in funds are converted to "Guaranteed Savings."
But how does it work? The different strategies are the result of combining 3 own investment funds (Vaudoise Umbrella Fund): "Defensive," "Balanced," and "Dynamic." For example, if a person of 30 years of age chooses the "Intense" strategy (the most yield-oriented one n.d.r.), the product will start by investing an 80 percent in the "Dynamic" fund and a 20 percent in the "Defensive" fund and then, year after year, change this ratio by 1 percent each year, lowering the Dynamic fund and increasing the Defensive fund (always by 1 percent). As a result, after 20 years, the ratio will be 60% Dynamic and 40% Defensive, so after 20 years we will have, in practice, a balanced strategy. As a result, returns may be lower, but with significantly less risk exposure than other products.
Vaudoise RythmoInvest also offers the "Free" strategy, where the client can freely choose the composition.
As of 2024, the possibility of allocating a portion of the premium to guaranteed savings has been introduced, giving those who wish to do so the opportunity to have an even greater degree of security.
A unique aspect of this third pillar is that once you set the annual target that you want to pay in, you can make payments at your own pace and you are not tied to a mandatory monthly payment, as long as you reach the agreed amount at the end of the year. 
Another unique feature of this product is the ability to set premium waivers, regardless of the agreed premium. For example: you can have an annual premium of CHF 3,000/year, but a premium waiver of CHF 5,000/year.

- Ability to pay premiums at your own pace.
- Worldwide medical care offered by the company, including transportation and repatriation.
- Possibility of including a guaranteed lump sum.
- Death and disability coverages that can be modulated to suit your needs.
- Option to set premium waiver, regardless of the agreed premium.

- The product uses only 3 investment funds.

In conclusion, we can say that Vaudoise RythmoInvest Third Pillar is a product with some unique features, which offers everything expected from a third pillar insurance and is a viable alternative for those looking for investment product that is not demanding in management. Of course, as with all products intended for retirement, your satisfaction will depend primarily on the quality of the advice.

Here are a few points to watch out for: 
1) Is the intermediary in front of you registered with the FINMA intermediary register? 
2) Can the intermediary explain to you in detail how the product works? 
3) Have you been offered alternatives? 
4) Was it explained to you that in addition to gains, there may also be losses? 
5) Was the offer made with your current Pillar I and Pillar II coverage in mind? 
6) Did the intermediary leave you with the full offer and time to evaluate it?