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Retirement

Strengthen your 2nd pillar

A solid occupational pension plan means a secure retirement.
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2eme pilier hero
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Our solutions for an optimized second pillar.

Wrap-around solution

The wrap-around solution is a basic plan that includes the legal minimum and a "supplementary" part in a single contract with pooled asset management for all members.

Supplementary pension plan and framework plan

The supplementary or master plan is an additional plan with pooled asset management to which different criteria can be added to define the group of eligible individuals. It allows for more dynamic and personalised asset management and provides the flexibility to enhance optional payments (surrenders) and optimise your tax situation.

Plan 1e

Plan 1e is a supplementary plan solution reserved for people with a salary over CHF 132,300, to which additional criteria for defining the circle of persons can be added, with collective asset management per member (possible investment profiles LPP bonds, LPP 25, LPP 40, LPP 60).

Vested benefits: Investment deposit

Unused funds in your vested benefits account generate little income. Opt instead for a vested benefits deposit, which invests your money in investment funds, offering you more favourable return prospects.

Vested benefits in an investment account allow you to opt for a collective investment strategy (possible investment profiles: BVG bonds, BVG 25, BVG 40, BVG 60, BVG 80). Investment funds offer you more favourable return prospects.

Vested benefits: Pension savings

Vested benefits in the form of pension savings provide a secure return.

See our offer at the bottom of this page.

Dépôt d’investissement

Le libre passage en dépôt d’investissement permet d’opter pour une stratégie d’investissement collective (profils d’investissements possibles LPP bonds, LPP 25, LPP 40, LPP 60, LPP80). Les fonds d'investissement vous offrant ainsi des perspectives de rendement plus favorables.

Occupational pension

Our LPP pension funds

The funds in the Piguet Active Prévoyance range benefit from active management, providing Swiss investors with strategic diversification across traditional asset classes, real estate, and alternative investments. With tactical allocation flexibility, these funds aim to outperform their benchmark over the long term by dynamically responding to investors' needs.

  • Piguet pension strategies - Piguet Active Pension 25

    The Piguet Active Prévoyance 25 is a multi-asset class fund that complies with the standards of legislation on old-age, survivors', and disability pension provision (OPP 2). The compartment is authorised to invest in stocks of companies worldwide (up to 35%), international bonds up to 100%, and real estate up to 15%. The compartment is also authorised to invest in alternative classes (hedge funds & commodities) up to 15%. Cash is allowed up to 25%, and exposure to foreign currencies cannot exceed 30%.

    Vincent Heyberger

    Vincent Heyberger

    Institutional Portfolio Manager

    Piguet pension strategies - Piguet Active Pension 25

    Piguet pension strategies - Piguet Active Pension 25

      • Reserved for qualified investors
      • Piguet Active Pension 25 CHF P

        • Currency

          CHF

        • ISIN

          CH1233586747

        • Distribution mode

          name_en

          Capitalization ,

      • Piguet Active Pension 25 CHF A

        • Currency

          CHF

        • ISIN

          CH1233586721

        • Distribution mode

          name_en

          Distribution ,

  • Piguet pension strategies - Piguet Active Pension 40

    The Piguet Active Prévoyance 40 is a multi-asset class fund that complies with the standards of legislation on old-age, survivors', and disability pension provision (OPP 2). The compartment is authorised to invest in stocks of companies worldwide (up to 50%), international bonds up to 100%, and real estate up to 15%. The compartment is also authorised to invest in alternative classes (hedge funds & commodities) up to 15%. Cash is allowed up to 25%, and exposure to foreign currencies cannot exceed 30%.
    Vincent Heyberger

    Vincent Heyberger

    Institutional Portfolio Manager

    Piguet pension strategies - Piguet Active Pension 40

    Piguet pension strategies - Piguet Active Pension 40

      • Piguet Active Pension 40 CHF A

        • Currency

          CHF

        • ISIN

          CH1233586754

        • Distribution mode

          name_en

          Distribution ,

      • Reserved for qualified investors
      • Piguet Active Pension 40 CHF P

        • Currency

          CHF

        • ISIN

          CH1233586770

        • Distribution mode

          name_en

          Capitalization ,

This site contains information relating to a large number of investment funds registered and managed in different jurisdictions. The information on this website is not directed to any person in any jurisdiction where (because of that person's nationality, residence or otherwise) the distribution of or access to this website is prohibited. Persons subject to such local restrictions must not access this website. The information published on this site constitutes neither a solicitation nor an offer nor a recommendation to buy or sell or to engage in any other transaction in investment instruments. More information

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Vested benefits account, savings solution

If you change career direction, move abroad, or go through a divorce, a vested benefits account can help you preserve your pension capital if you cease working in Switzerland. Instead of letting your money sit idle, consider opting for a vested benefits account and take advantage of our proven investment strategies.

 

Interest rates 0.8%
Retirement
 Homeownership (under certain conditions).

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

Self-employment. 

You are entitled to a full disability pension from the AI.
Conditions

From age 18 until reaching 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 upon closure of the current account on a pro-rata temporary basis.

This vested benefits account opening contract is valid for a minimum term of 3 months, subject to a 31-day notice of termination, making the total term 4 months. It becomes effective upon the client's signature and expires upon the occurrence of one of the following conditions:


    • Payment of retirement benefits or death.
    • Early payment of retirement benefits to the client receiving a full pension from the Swiss Federal Disability Insurance (IV) if disability risk 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."
Primary foundation Fondation Opsion Vested benefits

 

Frequently asked questions

Learn more about the 2nd pillar

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Since 1856, we've been helping you to plan for the future and enjoy the present with complete peace of mind.


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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.

Wealth & pension advice

Wealth & pension advice

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

Financing

Financing

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

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Webinars & events

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Academy

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

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Reserved for qualified investors

Piguet Active Pension 25 CHF P

Multi-asset class funds that comply with OPP 2 standards.

The P class is reserved for investors within the meaning of Article 38a, paragraph 1 of the OIA.

Vincent Heyberger

Vincent Heyberger

Institutional Portfolio Manager

LinkedIn profile of Vincent Heyberger
Vincent Heyberger holds an MSc in Biotechnology from University College London (UCL). He began his career as an analyst in a fund dedicated to health. He then joined the institutional team of Pictet AM where he contributed to the market strategy plan as well as the management of pension mandates. Vincent joined Piguet Galland in 2020 as an institutional portfolio manager. He manages individual portfolios and Piguet Active Prévoyance 25 and 40 strategies.
Lire la suite

Piguet Active Pension 25 CHF A

Multi-asset class funds that comply with OPP 2 standards.

Vincent Heyberger

Vincent Heyberger

Institutional Portfolio Manager

LinkedIn profile of Vincent Heyberger
Vincent Heyberger holds an MSc in Biotechnology from University College London (UCL). He began his career as an analyst in a fund dedicated to health. He then joined the institutional team of Pictet AM where he contributed to the market strategy plan as well as the management of pension mandates. Vincent joined Piguet Galland in 2020 as an institutional portfolio manager. He manages individual portfolios and Piguet Active Prévoyance 25 and 40 strategies.
Lire la suite

Piguet Active Pension 40 CHF A

Multi-asset class funds that comply with OPP 2 standards.

Vincent Heyberger

Vincent Heyberger

Institutional Portfolio Manager

LinkedIn profile of Vincent Heyberger
Vincent Heyberger holds an MSc in Biotechnology from University College London (UCL). He began his career as an analyst in a fund dedicated to health. He then joined the institutional team of Pictet AM where he contributed to the market strategy plan as well as the management of pension mandates. Vincent joined Piguet Galland in 2020 as an institutional portfolio manager. He manages individual portfolios and Piguet Active Prévoyance 25 and 40 strategies.
Lire la suite
Reserved for qualified investors

Piguet Active Pension 40 CHF P

Multi-asset class funds that comply with OPP 2 standards.

The P class is reserved for investors within the meaning of Article 38a, paragraph 1 of the OIA.

Vincent Heyberger

Vincent Heyberger

Institutional Portfolio Manager

LinkedIn profile of Vincent Heyberger
Vincent Heyberger holds an MSc in Biotechnology from University College London (UCL). He began his career as an analyst in a fund dedicated to health. He then joined the institutional team of Pictet AM where he contributed to the market strategy plan as well as the management of pension mandates. Vincent joined Piguet Galland in 2020 as an institutional portfolio manager. He manages individual portfolios and Piguet Active Prévoyance 25 and 40 strategies.
Lire la suite