Pension products

Safe and efficient pension solutions to appreciate today security for tomorrow

EFG is committed to being by your side for the most important decisions, and the choice of pension products is surely among them. Thanks to a high degree of flexibility and return, EFG’s Pillar 3a retirement account is particularly well-suited to your desires and needs, providing peace of mind as you build your retirement capital year after year. EFG’s vested benefits account offers a safe and efficient solution to preserve your pension capital in the second pillar.

Pillar 3a retirement savings account: three-way coverage. Flexible, personal and profitable

Your pillar 3a retirement savings account allows you to combine traditional account-based saving with fund-based investments, with payments split between:

  • a pillar 3a account earning a preferential rate of interest of 0.30% for retirement savings linked to security
  • a pillar 3a retirement custody account for investing in units of EFG's balanced investment fund under Swiss law: EFG Life Invest-40

You benefit from the following advantages:

  • Payments into your pillar 3a retirement savings account are tax deductible up to a specific maximum amount (CHF 6’826 for employed persons affiliated to a pension fund; 20% of the income earned, up to a maximum of CHF 34’128, for employees with no pension fund)
  • No wealth tax is payable on the balance of your retirement savings account
  • Interest and capital gains are tax-exempt for the duration of the retirement savings agreement
  • Capital payouts are taxed at a privileged rate and treated differently from other income at both the federal and cantonal level
  • Fund investments can be added
  • The pension assets can be used to finance residential property for own use
  • Account and custody account maintained free of charge
  • Advantageous rate of interest
  • You can combine your pillar 3a retirement savings account with insurance cover against the risks of death and disability

EFG vested benefits account. As versatile as you are

Within the framework of occupational retirement cover, EFG's vested benefits account enables pension coverage in accordance with the Swiss Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans as well as the Law on Vesting in Pension Plans. Your vested benefits account at EFG allows you to combine traditional account-based saving with fund-based investments, with payments split between:

  • an interest account with a preferential interest rate of 0.125%
  • a vested benefits custody account for investing in units of EFG's balanced investment fund under Swiss law EFG Life Invest - 40R

You benefit from the following advantages:

  • Attractive returns thanks to a preferential rate of interest
  • Fund investments can be added
  • The pension assets can be used to finance residential property for own use
  • Your retirement capital is preserved
  • No liability for withholding, wealth or income tax until your capital is paid out
  • Retirement capital can be paid out in cash in the circumstances specified by the law on vesting in pension plans
  • A preferential tax rate when your capital is paid out, with your capital taxed separately from the rest of your income
  • Account and custody account maintained free of charge