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Optimise your pension provision with our vested benefits account!

Set an appointment with an advisor

Anchor for formulaire

Optimise your pension provision with our vested benefits account!

Set an appointment with an advisor

Anchor for formulaire

9.2/10

Overall customer satisfaction score
Source: 2025 NPS study

Recognised excellence

Piguet Galland, once again voted Best Swiss Private Bank in 2025.

Vested benefits account, savings solution

If you change career direction, move abroad or get divorced, a vested benefits account will help you preserve your pension capital if you stop working in Switzerland.

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Vested benefits deposit

Invested solution

Don't let your money sit idle. Instead, opt for a vested benefits account and benefit from our tried-and-tested investment strategies.

Vested benefits in the form of pension savings
Vested benefits account

Saving solution

Vested benefits in the form of pension savings provide a secure return. Discover our offer with a boosted rate of 0.2%*.

See conditions

What are the advantages?

  • placements avantageux

    A tax-efficient investment

    Your pension assets are exempt from wealth tax and the return is not added to your taxable income.

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    Choice of investment strategy

    You can select one of the investment strategies offered by Piguet Galland, depending on your risk appetite.

Contact an advidor
A team for you

Committed to your peace of mind

In addition to performance, we provide unfailing support and tailor-made advice. We help you build and structure your assets to face the most important periods in your life with complete peace of mind.

Jihan Bicici

Jihan Bicici

Head of Wealth Solutions

With a degree in Political Science from the University of Geneva, Jihan Bicici began his career as a financial advisor at Swiss Life Select, then continued at UBS. In 2018, he joined Piguet Galland as a Specialist in pension and wealth planning. Since 2025, he has been serving as Head of Wealth Solutions.

Go to Jihan Bicici Linkedin Page
Learn more
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  • Boris Rechberger
  • Sara Slimi
  • Jose Torrecillas
  • Yannis Eggert
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Intimate banking

Because choosing your banker means choosing who to entrust with everything

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Make an appointment

9.2/10: Overall customer satisfaction rating, source NPS 2025

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Our solutions

Thanks to our unique blend of business expertise, our financial advisers can help you achieve all your life goals.

Investment

Investment portfolio

From investment advice to delegated portfolio management, we make sure to preserve your capital and ensure its yield by identifying investment solutions perfectly suited to your projects.

Reinforced pension Planning

Wealth & pension advice

Ensure comprehensive pension coverage. Discover ways to enhance your 2nd pillar or invest in the 3rd pillar to secure a robust and reliable financial future.

Financing

Real-estate investment

Do you have a real estate project in mind? We offer you all the financing solutions you need for your projects, such as mortgages and Lombard loans.

What our clients say about us.

  • Piguet Galland offered us a number of different scenarios to help us through this major change in life, retirement.
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  • Happiness is knowing that I have someone who will bring their expertise to advise me and ensure my life is carefree.
    Marie-Laure Favre vignette

  • At Piguet Galland, the human factor takes center stage. We genuinely listen to understand and provide solutions, not merely to sell."
    M’Bayang Thiam

  • I wanted to purchase and renovate a house through an auction, which required immediate payment. Fortunately, your company performed exceptionally well."
    David Vuadens

  • Piguet Galland is the financial partner that's close to my heart. I have complete trust in them. In this bank, you get to know them on a personal level, and that's of utmost importance."
    Ann Evard

  • The aspect of the Bank that resonated with me in the past and to this day is trust, which is conveyed through a sense of closeness and, most importantly, a dedicated point of contact."
    Anthony Picard

  • What I value most about Piguet Galland is the service and the trust-based relationship I have built with the various advisors I have worked with over the past thirteen years, all of whom have consistently been excellent."
    Dominique Lauener

  • Throughout the years of building a trusting relationship with Piguet Galland, I have realized that a bank can be a lifelong partner for significant milestones."
    Franck Neveu

See customer reviews

Conditions of the vested benefits savings plan


Interest rates

0.2%

Withdrawal

At the legal BVG retirement age or a maximum of 5 years before or after.

Home ownership (under certain conditions).

Permanent departure from Switzerland (under certain conditions from 1 June 2007).

Becoming self-employed.

Entitlement to a full AI disability pension.

Conditions

From age 18 until the legal BVG retirement age.

No account management fees will be deducted from the vested benefits account. However, for vested benefits of less than CHF 100,000, an administration fee of CHF 100 will be debited from the client's vested benefits account once a year or on the date the current account is closed pro rata temporis.

This vested benefits account opening contract is concluded for a minimum term of 3 months, subject to 31 days' notice of termination, i.e. a total term of 4 months. It comes into force with the signature of the client and expires on the occurrence of one of the following conditions:
- payment of retirement benefits or death;
- early payment of retirement benefits in favour of the client a full pension from the Federal Disability Insurance (IV) if the risk of disability is not additionally insured;
- cash payment of the total amount of the vested benefits account in accordance with Article 5 of the Federal Law on Vesting in Occupational Retirement, Survivors' and Disability Pension Plans (LHLP);
- payment of the full amount of the vested benefits account to encourage home ownership.

Partner foundation

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