Keeping up your standard of living during retirement

  • Building up your savings as early as possible,
  • Reducing your tax bill while optimising your retirement savings,
  • Unlocking the full potential of pension planning.

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.

Occupational pension plans enable you to substantially reduce your tax bill throughout your working life, and most pension funds allow you to keep working for five years after the legal retirement age.
Retirement savings in an occupational pension plan are exempt from income and wealth tax. When you withdraw your benefits as a lump-sum payout, you are taxed at a lower rate of 10% on average.
Professional income, in the form of your salary and bonus, can be fully insured through an occupational pension plan, up to a maximum of CHF 846,000.

Case study

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.

Préparer sa retraite

Plan ahead

It’s important to start planning for retirement well in advance in order to ensure your wealth is optimally structured.

Tax savings

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.

Here’s how we can help you to achieve your life goals

We will sit down with you and analyse your finances, your current needs and your life goals. We will then come up with a comprehensive solution aimed at optimising your financial and tax situation.


Piguet Galland
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.


Our teams move to our new Pléiades building in Geneva.


BCV Group buys Banque Franck, Galland & Cie SA.

Banque Franck acquires Banque Galland in Lausanne and becomes Franck, Galland & Cie SA.


Banque Cantonale Vaudoise takes a majority stake in Banque Piguet & Cie, which is then incorporated.

Mobilier conçu dans les années 30 et dessiné par Franck Lloyd Wright

Alain Franck fonde la Banque Franck à Genève.

Banque Galland

Alfred Galland founds Galland & Landis in Lausanne.

Banque Piguet

Alfred Piguet marries Louis Michod's daughter, and Banque Michod becomes Banque Alfred Piguet & Cie.


Banque Michod, the first private bank in Yverdon-les-Bains, is founded.

Others life goals

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Safeguarding your children’s future

Safeguarding your children’s future

As you consider what you and your family want to achieve in life, one of your main concerns will be making sure your children get off to a good start. We have unparalleled advisory expertise in this area.

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Estate planning

Estate planning

Your wealth strategy must be designed to grow your assets. But the structure of your wealth is important too, as this will affect how you pass it along to future generations.

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Do you want to contribute to the public good? Philanthropy is a way for highly successful people to give something back.

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