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Pension planning

Even adults can sleep like babies with our tailor-made pension solutions. Treat yourself to peace of mind.

For a peaceful future

Pension planning?


It's a crucial concern for Swiss citizens, as it's a fundamental pillar of their wealth. Your pension assets, your pension fund, or your 3rd pillar, allow you to save for retirement but also complete other projects, such as buying your primary residence.

  • Prévoyance

    Pension gaps

    By identifying and filling any gaps in your pension, you can save on taxes and optimise your retirement.

  • Crédits

    Protection for the unexpected

    Pension solutions also offer benefits in the event of disability or death so you can plan for the unexpected.

  • Fiscalité

    Triple tax advantages

    Pension payments immediately reduce your taxable income. Your pension assets are not subject to tax, and the gains generated are not included when calculating your taxable income.

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Why Piguet Galland ?

Pension solutions are adapted to you, not the other way around.


We work with several pension funds to meet the most sophisticated requirements independently. We use active management to create tailored solutions for your needs.

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  • Personalised advice

    Whether you're 30 or 60 or want to buy a primary residence or move abroad, you must think differently about how you plan for the future. Our advisers will take stock of your assets, situation and future plans so we can tailor a pension package to suit you.

  • Performance

    The aim of our pension asset management is to ensure the long-term future of your assets through regular outperformance in recent years, controlled volatility and the inclusion of environmental, social and governance criteria to match your convictions as closely as possible.

  • Transparency and proximity

    We disclose the costs of the pension fund and our management fees. Our experts are at your disposal, and you can access your pension assets anytime via our eBanking service.

Time flies

It's never too early to start thinking about your pension, whether you're a company or an individual. We can help you with simple, flexible and attractive solutions.

  • Particuliers et familles

    Individuals and families

    Do you want dynamic pension advice? Would you like to plan for your retirement? We provide several solutions for every stage of your life.

  • Entreprise

    Companies

    Opt for a 2nd pillar adapted to your company's values and social policy. We offer personalised pension solutions for all types of companies with complete independence.

Prevoyance
Pension solutions

The 3 pillars of pension planning

The Swiss pension system is based on the three-pillar principle. Each of these pillars plays a specific role in guaranteeing your financial security when you retire, whether it's state pension provision (1st pillar), occupational pension provision (2nd pillar) or private pension provision (3rd pillar). Our comprehensive range of pension solutions enables us to meet the most sophisticated LPP, or private pension provision needs while offering you the expertise of our specialists in active management for optimum returns.

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    1st pillar

    • State pension

      AVS

      • Distribution system
      • Coverage for survivors' vital needs in the event of death
      • Covering vital needs during retirement
    • State pension

      AI

      • Distribution system
      • Covering needs in the event of disability
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    2nd pillar

    • State pension

      All-in-one solution

      • Administrative simplicity
      • Plan personalisation
      • Risk profile up to 50% equities
    • Professional provisions

      Supplementary pension plan master plan

      • Intended for a restricted circle of affiliates
      • Maximisation des capacités de rachat
      • Manage assets up to 85% in equities
    • professional provisions

      1st

      • Intended for a restricted circle of affiliates
      • One investor profile per affiliate
      • Risk profile of up to 70% equities
    • invested solution

      Investment deposit

      • Yield opportunities
      • Individual management possible
      • Risk profile between 0 and 90% equities
    • savings solution

      Pension savings

      • Your retirement capital without taking risks
      • An attractive interest rate
      • Free account management
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    3rd pillar

    • individual cover

      Tied pension provision 3A

      • Yield opportunities
      • Payment deductible from taxable income up to the maximum limit
      • Risk profile up to 100% equities
    • investment

      Free pension 3B

      • Savings in the form of life insurance
      • Protection for next of kin in the event of death
      • Additional cover in the event of disability

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


Wealth advice

For your peace of mind

For every one of your projects, you can count on our wealth management specialists. They will support you with talent and methods to help you prepare for a serene future and enjoy the present moment with complete peace of mind.
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  • 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
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Frequently asked questions

Find out more about pensions

Webinars & events

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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