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Optimise your pension provision with our vested benefits account!

Set an appointment with an advisor

Anchor for formulaire

Optimise your pension provision with our vested benefits account!

Set an appointment with an advisor

Anchor for formulaire
9/10

Overall satisfaction rating from our customers

Source NPS study 2024
Recognized excellence

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

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 0.3%*.

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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  • 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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  • jihan bicici
  • JC-Torrecillas
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Make an appointment

9/10: Overall customer satisfaction rating, source NPS 2024

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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 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.

Reinforced pension Planning

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.

Financing

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.


Conditions of the vested benefits savings plan


Interest rates

0.3%

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

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