Financial planning

The process of financial planning involves compiling a comprehensive picture of the current state of your assets and wealth, and, depending on your lifestyle and taking due account of your lifetime plans, making projections as to how your assets and wealth might evolve in future years.

  • What will happen from a financial standpoint when I retire or if I take early retirement?

  • As for the 2nd-pillar occupational pension plan, is it better to take out an annuity, a lump-sum or a combination of the two?

  • How can I be tax-efficient?

  • Can I make a gift to my children today? And what impact would this have on my future assets?

In order to provide answers to all these questions and devise solutions for each, we move on to the financial-planning process itself. We look at several matters, such as 2nd-pillar occupational pension cover, the possibility of buying in extra years, the decision on whether to take out an annuity and/or a lump-sum, the usefulness of a life-insurance policy, tax considerations associated with buying property and taking out a mortgage, and, for business-owners, the impact when passing on or selling the business, etc.

Once a clear overview has been established, a report summarising the state of your financial circumstances is drafted, and we start discussions to draw up a risk profile to be applied when managing your assets and wealth.

Vested Benefits (2nd Pillar)

Our Pictet Vested Benefits Foundation (2nd Pillar) can provide you with individualised solutions to manage your vested pension benefits optimally.

Assets managed by our Foundation are in safe hands. Vested pension benefits accounts are held at Banque Pictet & Cie SA, with the responsibility for managing asset portfolios being entrusted to Pictet Asset Management SA. Both these companies are part of the Pictet Group which enjoys a worldwide reputation for its business performance, its integrity and the quality of its services.

Our solutions for vested pension capital give you the opportunity to choose freely how to invest your occupational pension assets in one or more portfolios. Your investment strategy can be changed at any time depending on your goals, your personal circumstances and what is happening on financial markets. You can also, temporarily, decide not to have all or part of your capital invested.

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Individual pensions (3rd Pillar A)

Our Pictet Individual Pension Foundation (3rdPillar A) enables you to build up their own additional personal capital as pension provision and benefit from tax allowances and relief applicable to tied personal pension accounts (3rd Pillar A).

Assets managed by our Foundation are in safe hands. These tied personal pension accounts are held at Banque Pictet & Cie SA, with the responsibility for managing asset portfolios being entrusted to Pictet Asset Management SA. Both these companies are part of the Pictet Group which enjoys a worldwide reputation for its business performance, its integrity and the quality of its services.

Our solutions for tied personal pension savings give you the opportunity to choose freely how to invest your occupational pension assets in one or more portfolios. Your investment strategy can be changed at any time depending on your goals, your personal circumstances and what is happening on financial markets.

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Our experts

Switzerland

Swiss financial & pension planning contacts