Vested benefits account-through-attractive-rate

Recognised excellence

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

Best Swiss Private Bank 2025

Piguet Galland has once again been named Best Swiss Private Bank in 2025. This distinction reflects a vision of private banking built on proximity, innovation, and sustainable commitment.
Great Place To Work 2025

Piguet Galland is certified Great Place to Work® Switzerland 2025, a recognition that fully reflects its vision of intimate banking.
Best Swiss Private Bank HNW Team (Swiss Domestic Clients) 2024

The WealthBriefing Swiss Awards recognize the quality of service provided to Swiss HNW clients.
Best Swiss Private Bank 2024

For the fourth consecutive year, International Banker has recognised Piguet Galland as the Best Swiss Private Bank.
Fair-ON-Pay Advanced

International Banker names Piguet Galland the best Swiss private bank for the fourth year running.
Certification B Corp™

In 2023, Piguet Galland obtained B Corp certification. This certification attests to the bank's commitment to Corporate Social Responsibility.
Best Swiss Private Bank 2023

Piguet Galland has been awarded Best Swiss Private Bank by International Banker for the third year in a row.
Great Place To Work 2023

Piguet Galland is certified Great Place to Work® Switzerland 2023. The human scale, values, working conditions and proximity of management are particularly appreciated.
Meilleur produit structuré en matière d’ESG

The Helv-ethic certificate, managed in partnership with BCV, was awarded Best ESG product at the Swiss Derivative Awards.
Best Swiss Private Bank HNW Team (Swiss Domestic Clients) 2023

The WealthBriefing Swiss Awards recognize the quality of service provided to Swiss HNW clients.
Best Swiss Private Bank 2022

International Banker names Piguet Galland the best Swiss private bank for the second year running.
Best fund for Piguet Fund - Weighted CHF

The Piguet Fund - Pondéré CHF was once again named best fund in its category at the Refinitiv Lipper Fund Awards 2022.
Best Swiss Private Bank 2021

Piguet Galland voted best Swiss private bank by International Banker.

What are vested benefits?

A vested termination benefit is defined as the termination benefit paid by a pension fund on the occurrence of a pension event (retirement, disability or death).
When will I need a vested benefit?

You need a vested benefits foundation if you are unable to transfer your (BVG) pension capital to a new pension fund, or can do so only in part. This is particularly the case if you stop working (take up training, move abroad, become unemployed), start a self-employed business, divorce or move abroad permanently.
The different solutions: vested benefits accounts and deposits

You can choose between a vested benefits account (savings solution) or a vested benefits deposit (investment solution). For the investment solution, you can select one of our investment strategies according to your risk appetite, in compliance with BVV2 provisions and based on the Piguet-Galland investment method.
What about taxation?

Depending on your situation, you can choose to coordinate your pension assets with your private assets to benefit from tax optimisation.

In addition, since Piguet Galland works with various foundations based in the canton of Schwyz, you can take advantage of favourable tax conditions.

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.

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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.

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.

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.
Happiness is knowing that I have someone who will bring their expertise to advise me and ensure my life is carefree.
At Piguet Galland, the human factor takes center stage. We genuinely listen to understand and provide solutions, not merely to sell."
I wanted to purchase and renovate a house through an auction, which required immediate payment. Fortunately, your company performed exceptionally well."
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."
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."
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."
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."

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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

Fondation Opsion Libre passage

Optimise your pension provision with our vested benefits account!

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

Vested benefits account, savings solution

What are the advantages?

A tax-efficient investment

Choice of investment strategy

What are vested benefits?

When will I need a vested benefit?

The different solutions: vested benefits accounts and deposits

What about taxation?

Committed to your peace of mind

Make an appointment

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

Investment portfolio

Wealth & pension advice

Real-estate investment

What our clients say about us.

Conditions of the vested benefits savings plan

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