Pension planning

Even adults can sleep like babies with our tailor-made pension solutions. Treat yourself to peace of mind.

Pension gaps

By identifying and filling any gaps in your pension, you can save on taxes and optimise your retirement.
Protection for the unexpected

Pension solutions also offer benefits in the event of disability or death so you can plan for the unexpected.
Triple tax advantages

Pension payments immediately reduce your taxable income. Your pension assets are not subject to tax, and the gains generated are not included when calculating your taxable income.

Personalised advice

Whether you're 30 or 60 or want to buy a primary residence or move abroad, you must think differently about how you plan for the future. Our advisers will take stock of your assets, situation and future plans so we can tailor a pension package to suit you.
Performance

We disclose the costs of the pension fund and our management fees. Our experts are always available, and you can access your pension assets anytime via our eBanking service.
Transparency and proximity

We disclose the costs of the pension fund and our management fees. Our experts are at your disposal, and you can access your pension assets anytime via our eBanking service.

Individuals and families

Do you want dynamic pension advice? Would you like to plan for your retirement? We provide several solutions for every stage of your life.

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Companies

Opt for a 2nd pillar adapted to your company's values and social policy. We offer personalised pension solutions for all types of companies with complete independence.

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The Swiss pension system is based on the three-pillar principle. Each of these pillars plays a specific role in guaranteeing your financial security when you retire, whether it's state pension provision (1st pillar), occupational pension provision (2nd pillar) or private pension provision (3rd pillar). Our comprehensive range of pension solutions enables us to meet the most sophisticated LPP, or private pension provision needs while offering you the expertise of our specialists in active management for optimum returns.

01
1st pillar
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02
2nd pillar
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03
3rd pillar
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01
1st pillar

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- State pension
  AVS
  - Distribution system
  - Coverage for survivors' vital needs in the event of death
  - Covering vital needs during retirement
- State pension
  AI
  - Distribution system
  - Covering needs in the event of disability
02
2nd pillar

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- State pension
  All-in-one solution
  - Administrative simplicity
  - Plan personalisation
  - Risk profile up to 50% equities
- Professional provisions
  Supplementary pension plan master plan
  - Intended for a restricted circle of affiliates
  - Maximisation des capacités de rachat
  - Manage assets up to 85% in equities
- professional provisions
  1st
  - Intended for a restricted circle of affiliates
  - One investor profile per affiliate
  - Risk profile of up to 70% equities
- invested solution
  Investment deposit
  - Yield opportunities
  - Individual management possible
  - Risk profile between 0 and 90% equities
- savings solution
  Pension savings
  - Your retirement capital without taking risks
  - An attractive interest rate
  - Free account management
03
3rd pillar

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- individual cover
  Tied pension provision 3A
  - Yield opportunities
  - Payment deductible from taxable income up to the maximum limit
  - Risk profile up to 100% equities
- investment
  Free pension 3B
  - Savings in the form of life insurance
  - Protection for next of kin in the event of death
  - Additional cover in the event of disability

Piguet pension strategies - Piguet Active Pension 25

The Piguet Active Prévoyance 25 is a multi-asset class fund that complies with the standards of legislation on old-age, survivors', and disability pension provision (OPP 2). The compartment is authorised to invest in stocks of companies worldwide (up to 35%), international bonds up to 100%, and real estate up to 15%. The compartment is also authorised to invest in alternative classes (hedge funds & commodities) up to 15%. Cash is allowed up to 25%, and exposure to foreign currencies cannot exceed 30%.

Vincent Heyberger

Institutional Portfolio Manager
Piguet pension strategies - Piguet Active Pension 25
- Show details of the product
  - Reserved for qualified investors
  - Piguet Active Pension 25 CHF P
  - - Currency
      
      CHF
    - ISIN
      
      CH1233586747
    - Distribution mode
      
      name_en
      
      Capitalization ,
- Show details of the product
  - Piguet Active Pension 25 CHF A
  - - Currency
      
      CHF
    - ISIN
      
      CH1233586721
    - Distribution mode
      
      name_en
      
      Distribution ,
Piguet pension strategies - Piguet Active Pension 40

The Piguet Active Prévoyance 40 is a multi-asset class fund that complies with the standards of legislation on old-age, survivors', and disability pension provision (OPP 2). The compartment is authorised to invest in stocks of companies worldwide (up to 50%), international bonds up to 100%, and real estate up to 15%. The compartment is also authorised to invest in alternative classes (hedge funds & commodities) up to 15%. Cash is allowed up to 25%, and exposure to foreign currencies cannot exceed 30%.

Vincent Heyberger

Institutional Portfolio Manager
Piguet pension strategies - Piguet Active Pension 40
- Show details of the product
  - Piguet Active Pension 40 CHF A
  - - Currency
      
      CHF
    - ISIN
      
      CH1233586754
    - Distribution mode
      
      name_en
      
      Distribution ,
- Show details of the product
  - Reserved for qualified investors
  - Piguet Active Pension 40 CHF P
  - - Currency
      
      CHF
    - ISIN
      
      CH1233586770
    - Distribution mode
      
      name_en
      
      Capitalization ,

This site contains information relating to a large number of investment funds registered and managed in different jurisdictions. The information on this website is not directed to any person in any jurisdiction where (because of that person's nationality, residence or otherwise) the distribution of or access to this website is prohibited. Persons subject to such local restrictions must not access this website. The information published on this site constitutes neither a solicitation nor an offer nor a recommendation to buy or sell or to engage in any other transaction in investment instruments. More information

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Vincent Arnal

Head of Wealth Solutions

The holder of the IAF diploma and the Federal Certificate of Financial Advisor, Vincent Arnal began his career with Swiss Life Select and then with Banque Cantonale de Genève. He joined Piguet Galland & Cie SA in 2018 and then became Head of Wealth Solutions in 2020. He ensures the business development of the Bank's pension and financing solutions, as well as the management of the expertise that supports our clients in their life plans

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Is it too early or too late to worry about my pension?

It's never too early to start thinking about your financial future. Whatever your stage of life, it's essential to take control of your financial future and plan accordingly. If you're young and just starting your career, this is the ideal time to lay the foundations for a solid pension plan and put long-term investment strategies in place. If you're already advanced in your career, there is still time to assess your current situation, take stock of your retirement goals and adjust your plan accordingly. Safeguard your peace of mind and make the most of the future by planning now.
Is pension planning only for my retirement?

Pension planning is not just about retirement. Although it plays a crucial role in this stage of your life, it also encompasses other aspects. It protects you and your loved ones in the event of unforeseen circumstances, such as disability due to illness, accident, or death. It can also help you realise essential projects such as buying a house or starting a self-employed business. By investing in your pension plan now, you can ensure comprehensive protection throughout your life, giving you and your loved ones peace of mind.
Should I choose an annuity or a lump sum on retirement?

The annuity is guaranteed to provide you with a regular, predictable income. This option offers you long-term financial security. On the other hand, opting for capital provides greater flexibility by allowing you to manage the funds according to your needs and objectives. To make the best decision, you need to consider your personal objectives, future plans, current situation and life expectancy, not forgetting tax considerations.
What is the purpose of buying into my pension fund?

Buying into your pension fund is essential in building and optimising your retirement plan. They allow you to increase your pension assets by making additional payments into your pension fund. Purchases can be made to make up for missing insurance periods, for example, if you worked part-time, started working late in Switzerland or took a career break. They can also be used to improve your future pension or to gain tax advantages, as purchases are often tax-deductible. In short, buying into your pension fund offers a valuable opportunity to enhance your financial security for retirement and maximise the benefits your pension scheme provides.
Can I take early retirement?

Taking early retirement is a decision that requires careful thought and a thorough assessment of your financial situation. To determine whether you can afford to retire early, you need to consider several factors, such as your level of savings, sources of income, expected expenses, and life expectancy. Sound financial planning and a realistic estimate of your long-term needs are essential. We offer an in-depth analysis of your situation so that you can make an informed decision and ensure you're comfortable and sustainable in early retirement.
Find out more about financial planning.