We will advise you on how best to structure your wealth in order to build up your savings prior to retirement. We can, for instance, help you find the right balance between ensuring you have a regular stream of income throughout retirement and keeping long-term reserve capital intact. Our experts pay particular attention to the various voluntary retirement plans available, with a view to reducing your tax bill and boosting your retirement benefits.
Ensuring your peace of mind
Retirement is one of life’s milestones, and one that you need to carefully plan for. Depending on the structure of your wealth, our experts will help you to determine whether you should receive your benefits as a lump sum payout or as an annuity. Your family situation, personal retirement savings and whether you own or rent your home will also come into the equation. Our ultimate goal is to make sure your retirement runs smoothly.
We recently advised one of our clients to start thinking about her retirement. She currently earns a comfortable annual income of CHF 700,000. By making additional voluntary contributions and paying CHF 200,000 a year into a supplementary occupational pension plan, she’ll be able to grow her retirement savings by a further CHF 3.2 million. At the same time, our client considerably reduced her tax bill – by around CHF 1.4 million over 16 years. Now that’s what we call forward-thinking.
It’s important to start planning for retirement well in advance in order to ensure your wealth is optimally structured.
It’s essential to plan ahead and take full advantage of available tax savings on your professional and investment income in order to effectively build your wealth and prepare for retirement.
Strike the balance
One of the most important things to do when preparing for retirement is to find the right balance between a regular income stream and long-term reserve capital.
Fill in the gaps
If your annual income exceeds CHF 126,900, our supplementary pension plans are an excellent way of expanding your pension coverage. Your assets are individually managed, and you get all the usual advantages offered by an occupational pension.
5 questions to women in order to improve their financial wellness for a happy retirement. Article by Vanessa Neil
Follow our advice to optimise your wealth and save on your taxes.
Swiss companies fare very well when it comes to sustainable development and environmental, social and governance (ESG) criteria. This makes them more attractive to investors, who are increasingly sensitive to these issues.
private bankers since 1856
Piguet Galland was created from the merger of two longstanding private banks. As part of BCV Group, we are able to draw on the expertise of a large banking group.
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