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Self-employed professionals who manage a practice or an office often face the same questions: How can I secure the fruits of my labor? How can I protect my family and employees in the event of an unforeseen circumstance? Pension planning, particularly the 2nd pillar, is a key element in ensuring the longevity of all these aspects.
In Switzerland, pension planning, is a fundamental pillar of financial well-being. The 2nd pillar remains a highly valued form of savings, especially due to the tax advantages it offers to both employers and employees.
- All payments (regular contributions and buy-ins) made are deductible from the taxable income for employees (maximum tax saving of approximately 45%) and for the employers (tax saving of approximately 14%).
- The saved wealth is not considered when determining the taxable wealth (maximum tax savings of 1%).
- The income generated by the management of this savings or through a savings rate is not considered when calculating taxable income.
At Piguet Galland, we place particular importance on how pension planning contributes to building a solid wealth base, both for individuals and businesses. That is why our wealth solutions team designs tailored strategies to optimise this crucial aspect of business management.
Make corporate pension planning one of your strengths
Defining a pension plan is crucial for securing the future of employees and strengthening the employer's position in the labor market. A well-defined pension plan becomes a strategic lever, beneficial for both employees and the company, enhancing its competitiveness and long-term image. These plans can include unique and attractive benefits that are a major asset in recruiting top talent who are concerned about their financial future.
The three pillars of pension planning in Switzerland
- First pillar (AVS): State pension ensuring a minimum standard of living.
- Second pillar: Occupational pension based on capital accumulation to maintain the standard of living in retirement.
- Third pillar: Individual, voluntary pension plan that can be optimised for tax purposes, often linked to real estate projects.
Focus on the liberal professions
The liberal professions (self-employed) play a central role in the economic and social fabric. However, in most cases, these professionals, whose main source of income is their own expertise, find it more difficult to sell their business at a price that would, on its own, provide them with a secure retirement. Therefore, occupational pension planning offers all the guarantees needed to envisage a more secure economic future by building a tax-efficient savings.
By investing in a pension fund, you can secure your retirement and your financial stability in the face of unforeseen events (illness, disability, death), while optimising the tax management of your assets.
Occupational pension solutions can include unique and attractive benefits that are a major asset during recruiting. They also help to enhance the company's image and positively influence relationships with clients and partners.
Tailored pension planning for legal profession
Lawyers, notaries and jurists can benefit from pension solutions specially designed for their needs, offering flexibility and security. These solutions allow for maximising savings, and choosing tailored plans for partners and their staff. Specialized advice on tax optimization and retirement planning is also a major asset. At Piguet Galland, we offer customised pension plans with attractive management fees, a favorable conversion rate, and the full restitution of accumulated assets, including buy-ins, in the event of death.
Plan your future today with a pension solution that suits you, and take advantage of the many benefits it offers.
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Lawyers, notaries, legal professionals? Choose a tailor-made pension plan
Discover a pension solution designed exclusively for your profession. Set an appointment with an advisor