Swiss pension planning

Our investment portfolios offer salaried employees and self-employed persons various and flexible pension planning solutions for meeting their 2nd and 3rd pillar pension provision under Swiss law.

Each of our portfolios is based on a particular investment strategy:

Security   LPP/BVG-Short-Mid Term Bonds
Income   LPP/BVG-Bonds
Growth   LPP/BVG-25
Dynamic   LPP/BVG-40
     

They also differ from each another in terms of the level of risk (higher or lower) and the performance outlook.

Managing your investment portfolios

Our pension planning offering leaves you free to allocate your vested pension accruals and your individual pension savings across four different investment portfolios, and also to decide temporarily not to invest part or all of your vested benefits. This capital allocation can be adjusted at any time at no charge.

Pictet Vested Benefits Foundation (2nd Pillar)

The Pictet Vested Benefits Foundation (2nd Pillar) was created on 1 January 1989 to offer tailored solutions to manage vested pension capital accrued under the so-called 2nd Pillar of the Swiss pension system.  Through a rigorous approach to investment and by taking advantage of all the investment possibilities allowed under Swiss law, the Foundation's aim is to increase your pension assets. 

The following are the situations in which you are required to open a vested benefits account:

  1. if you change occupational pension schemes and your vested benefits are not transferred to your new employer in their entirety;
  2. if you stop working temporarily;
  3. if you get divorced or your civil partnership is dissolved;
  4. if you become self-employed;
  5. if you leave Switzerland for good; or
  6. if you are no longer legally obliged to have pension cover.

The Pictet Vested Benefits Foundation is registered with HMRC (HM Revenue & Customs) as a QROPS (Qualifying Recognised Overseas Pension Scheme) and is therefore allowed to receive assets that come from a UK pension scheme.

 

Pictet Individual Pension Foundation (3rd Pillar A)

The Pictet Individual Pension Foundation (3rd Pillar) was created on 1 January 1990 and enables individuals to build up their own personal capital as pension provision and to benefit from the tax exemptions applicable to individual pension accounts (3rd Pillar A). Through a rigorous approach to investment and by taking advantage of all the investment possibilities allowed under Swiss law, the Foundation's aim is to increase individuals' pension assets.

Furthermore, it is up to the individual to decide how much and how often they pay into their 3rd Pillar A pension account. If an individual chooses to make regular, fixed payments, the so-called “average price” method will be applied. This means that when the NAV of a share is low, the individual will be able to acquire more shares; when it goes up, this number will decrease. Depending on how the markets are behaving, you can thus optimise the average cost of your investments.

The Pictet Individual Pension Foundation (3rd Pillar A) is aimed at:

  1. anyone taxed in Switzerland whose income derives from gainful employment, whether a salaried employee or self-employed, and who has to pay AVS/AI social security insurance;
  2. anyone wishing to improve the financial planning of their retirement;
  3. tax payers who would like to take advantage of the tax breaks offered by the Confederation and the cantons;
  4. anyone already paying into a tied pension policy or account (3rd Pillar A), but who has exceeded the legal maximum; and
  5. pension fund members who already have a tied pension account (3rd Pillar A) and wish to transfer their assets to a different pension account.

Find out more about our Foundations

Documentation, forms and other publications related to our pension planning solutions.