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.
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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.
45% vs 9%
In French-speaking Switzerland, the maximum tax rate on the withdrawal of your pension assets (pension or capital) is 9%, but if you deduct the pension payments, the tax saving can be as much as 45%!
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.

piguet-galland-private-bank-Best HNW-Team-Swiss-Domestic-Clients-wealth-briefing-award-meilleure-banque-privee

Piguet Galland appraised for the quality of its services for Swiss clients at the 2023 WealthBriefing Swiss Awards


"Best Swiss Private Bank 2022" by International Banker and "Best Fund" in its category for "Piguet Fund - Pondéré CHF" by the Refinitiv Lipper Fund Awards


"Best Swiss Private Bank 2021" by the magazine International Banker

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Creation of the wealth balance sheet for our private clients

Perspectives economiques

Launch of our new range of mandates

Global business investment growth. Wealth concept. Gold sand running through the shape of modern hourglass with world globe crystal glass and US dollar coins on purple reflective table.

Mega-Trend: first thematic equity certificate

Happy Hopeful Woman Looking at the Sunset by the Sea

Evolution of our pension solutions


Implementation of the global asset management approach

Others life goals

Life goal
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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Life goal
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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Life goal


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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The Piguet Galland & Cie SA website (the "Site") describes the activities of Piguet Galland & Cie SA in Switzerland. Piguet Galland & Cie SA does not offer its services outside of Switzerland, and the Site is meant solely for individuals and legal entities domiciled in Switzerland, along with existing clients of Piguet Galland & Cie SA.

Personal informations
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