Vested benefits account-through-attractive-rate

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 2023

International Banker names Piguet Galland the best Swiss private bank for the third year running.
Fair-ON-Pay Advanced

Piguet Galland is once again certified Fair-On-Pay Advanced in 2023, thanks to a pay equity policy with less than 2.5% gender pay gap within the company.
B Corp™ Certification

In 2023, Piguet Galland obtained B Corp certification. This certification attests to the bank's commitment to Corporate Social Responsibility.
Great Place To Work

Piguet Galland is certified Great Place to Work® Switzerland 2023. The human scale, values, working conditions and proximity of management are particularly appreciated.
Best ESG structured product

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.

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

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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.

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

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
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
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
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
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

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Conditions of the vested benefits savings plan

Interest rates

0.4%

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.

Partner foundation

Fondation Opsion Libre passage

Optimise your pension provision with our vested benefits account!

Piguet Galland voted Best Swiss Private Bank for the third year running

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?

A dedicated team just for you

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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