Personal retirement savings

Anyone who is gainfully employed in Switzerland and whose income is subject to Swiss social-security contributions can invest in personal retirement savings plans (known as pillar 3a).

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The 01 March 2018

We’ve developed our personal retirement savings plans in partnership with the Liberty Foundation. With these plans, you can build up your retirement savings while benefiting from considerable tax advantages. And you’re the one who determines how your assets are invested. It’s the perfect complement to social security and your occupational pension plan.

Attractive tax benefits

The maximum tax-deductible contribution to a personal retirement savings plan is 6,883 Swiss francs for those who are gainfully employed and a member of an occupational pension fund. People who work but do not have an occupational pension plan can make a tax-deductible contribution of up to 20% of their income or 34,416 Swiss francs, whichever is lower (2021 figures). Assets held in personal retirement savings plans are not subject to wealth tax, and any income earned is tax-free.

Investment strategies

Our investment strategies have a large equity weighting and are subject to strict regulations under Swiss occupational pension law.

Your advantages at a glance


  • You invest your retirement savings and choose your investment strategy.
  • You pay into the plan as and when you see fit.
  • Any payments you make into your plan are tax deductible for that year.
  • Your retirement savings are exempt from wealth tax, and any income earned is tax-free.
  • You can use the plan to indirectly pay down your mortgage loan.
  • You can add coverage for death or disability.
  • When your savings are paid out, they will be taxed at a relatively low rate.
  • When you retire, you won’t have to sell the securities – they can be moved into your personal investment portfolio.
  • If you keep working, you can continue paying into the plan up to the age of 69 (women) or 70 (men).

Find out more about what we have to offer you


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
As our services are only available to Swiss residents, the choice of country of residence is not available.
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