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Optimise your pension provision with an exceptional interest rate of 1.05%!

A savings solution with Piguet Galland

Optimise your pension provision with an exceptional interest rate of 1.05%!

A savings solution with Piguet Galland
8.8/10

Overall satisfaction rating from our customers

Source NPS study 2023

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.

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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 1.05%.

See conditions

What are the advantages?

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    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.

The team

A dedicated team just for you

We understand the importance of this human relationship and we are committed to working closely with you to achieve your goals. In addition to the tools we provide you, this trust relationship will enhance your ability to offer tailored services to your clients. This is particularly relevant for a target audience that is attentive to the banking and financial sector.

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  • alexandra tudorache
  • vincent arnal

    Vincent Arnal

    Head of Wealth Solutions

    The holder of the IAF diploma and the Federal Certificate of Financial Advisor, Vincent Arnal began his career with Swiss Life Select and then with Banque Cantonale de Genève. He joined Piguet Galland & Cie SA in 2018 and then became Head of Wealth Solutions in 2020. He ensures the business development of the Bank's pension and financing solutions, as well as the management of the expertise that supports our clients in their life plans

    Learn more
  • boris rechberger
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  • jihan bicici
  • JC-Torrecillas
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Make an appointment

Your time is valuable, and we are committed to making this process as smooth as possible.

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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

From investment advice to delegated portfolio management, we are dedicated to safeguarding your capital and securing its growth by identifying investment solutions that align seamlessly with your values, goals, and the assurance of peace of mind.

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Wealth & pension advice

Wealth & pension advice

Bring vitality and success to your life projects by comprehensively analyzing your assets and optimizing their structure.

Wealth advice Pension planning
Financing

Financing

We offer various financing solutions for all your real estate projects, such as mortgages and Lombard loans.

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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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    Noémie Prod'hom

  • 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

    Marie-Laure Favre

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

    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

    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

    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

    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

    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

    Franck Neveu

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Conditions of the vested benefits savings plan


Interest rates 1.05%
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 50,000, 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.
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