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Vested benefits

How to combine pension provision with performance
Increased life expectancy, lower conversion rates and a reduction in benefits are all elements that undermine our three "pillars" of pension provision.

Official Swiss information

For more information about the Swiss pension system (1st, 2nd and 3rd pillars), please refer to the following websites.

Swiss Confederation website

Social security in Switzerland

Social security: insurances

Occupational and Individual Pension Planning

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

Swiss pension planning in brief

The current pension and social security system in Switzerland was implemented following the industrial revolution.

The government adopted several measures to ensure citizens and their dependants of appropriate coverage and financial security in the event of retirement, death or disability.

State
provision

1st pillar
AHV-IV/AVS-AI (Old Age & Survivors Insurance/Disability Insurance) is the State-run Federal pension and social-security benefits scheme. This ''1st pillar'' aims to cover the basic needs for the whole population through compulsory contributions towards life assurance, disability insurance and insurance for dependents and surviving spouses. Pensions or benefits are paid out on a monthly basis.

For further information, please refer to the websites mentioned on the right.

Occupational pension provision

2nd pillar
Occupational pension provision is provided in addition to 1st pillar coverage to ensure that gainfully employed persons can appropriately maintain their lifestyle after retirement. Each particular pension institution can provided for benefits going above and beyond the minimum required by law. These are refered to as "over-compulsory" benefits.

Pictet Vested Benefits Foundation

Individual
pension provision

3rd pillar
The ''3rd pillar'' enables individuals to build up their own personal capital as pension provision and deduct from their taxable income a fixed amount yearly.

Individual pension provision is intended for both the gainfully employed as well as persons who are not employed. Unlike blocked pension provision, individual pension cover may be set up according to the individual's likings and generally does not enjoy any special tax breaks.

Pictet Individual Pension Foundation

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Private Banking, Private Wealth Management, Institutional Asset Management, Independent Asset Managers, Geneva, Switzerland.