Pension and estate planning with foresight
Comprehensive pension and estate planning combines financial issues with what is important to you. It considers both your individual circumstances and your responsibility towards future generations. This dimension has special significance in complex financial situations.
Our pension plan offerings
Pension assets are subject to legal requirements, usually tied up until retirement, and play a key role in your financial flexibility. Our pension solutions precisely address these issues and carefully tailor the investment of these funds to your goals. This ensures that nothing stands in the way of a carefree third stage of life. To achieve this, we work with two independent pension foundations.
Vested benefits
Vested benefits often arise when you change jobs or leave a pension fund. They offer certain options, for example, regarding when you withdraw the funds or if you purchase residential property. In addition, the capital and income are subject to preferential tax treatment.
At Dreyfus Banquiers we manage your vested benefits in accordance with the provisions of the BVG. You can choose between seven investment profiles, which differ primarily in terms of their equity allocation and the risks they take. For amounts of CHF 750 000 or more, you also have access to a solution with direct investments.
Non-mandatory occupational pension provision (1e pension plans)
1e pension plans for incomes above CHF 136 080 allow you to invest part of your pension fund assets as you wish. This brings significant advantages for both companies and beneficiaries. Employers no longer must bear the investment risk, which reduces the burden on their balance sheets. Employees benefit from maximum transparency regarding costs and can make more targeted use of potential returns. This also protects them from redistribution risks within the pension fund.
We manage non-mandatory pension funds in accordance with the applicable BVG regulations. Depending on your desired return and risk appetite, you can choose from seven investment profiles. Under certain conditions, a customized solution with direct investments is possible for amounts of CHF 750 000 or more.
Other pension solutions
We support you with other pension-related issues as well, including the pillar 3a account for existing customers.
For clarity in estate planning
Prudent estate planning involves more than just the formal transfer of assets. It affects family structures, corporate responsibility, and individual preferences in equal measure. At Dreyfus Banquiers, you benefit from our experience, overview, and the necessary tact and sensitivity. As necessary, our advisors can call on a broad network of specialists.
Structuring of asset and estate relationships
First, we work with you to gain an overview of the initial situation. We support you with questions relating to the execution of wills, testaments, inheritance contracts, or gifts.
When companies or shareholdings are involved, estate planning becomes even more complex. In such cases, additional aspects of corporate law as well as family structures and relationships must be considered.
Our pension plan offerings
Pension assets are subject to legal requirements, usually tied up until retirement, and play a key role in your financial flexibility. Our pension solutions precisely address these issues and carefully tailor the investment of these funds to your goals. This ensures that nothing stands in the way of a carefree third stage of life. To achieve this, we work with two independent pension foundations.
Vested benefits
Vested benefits often arise when you change jobs or leave a pension fund. They offer certain options, for example, regarding when you withdraw the funds or if you purchase residential property. In addition, the capital and income are subject to preferential tax treatment.
At Dreyfus Banquiers we manage your vested benefits in accordance with the provisions of the BVG. You can choose between seven investment profiles, which differ primarily in terms of their equity allocation and the risks they take. For amounts of CHF 750 000 or more, you also have access to a solution with direct investments.
Non-mandatory occupational pension provision (1e pension plans)
1e pension plans for incomes above CHF 136 080 allow you to invest part of your pension fund assets as you wish. This brings significant advantages for both companies and beneficiaries. Employers no longer must bear the investment risk, which reduces the burden on their balance sheets. Employees benefit from maximum transparency regarding costs and can make more targeted use of potential returns. This also protects them from redistribution risks within the pension fund.
We manage non-mandatory pension funds in accordance with the applicable BVG regulations. Depending on your desired return and risk appetite, you can choose from seven investment profiles. Under certain conditions, a customized solution with direct investments is possible for amounts of CHF 750 000 or more.
Other pension solutions
We support you with other pension-related issues as well, including the pillar 3a account for existing customers.
For clarity in estate planning
Prudent estate planning involves more than just the formal transfer of assets. It affects family structures, corporate responsibility, and individual preferences in equal measure. At Dreyfus Banquiers, you benefit from our experience, overview, and the necessary tact and sensitivity. As necessary, our advisors can call on a broad network of specialists.
Structuring of asset and estate relationships
First, we work with you to gain an overview of the initial situation. We support you with questions relating to the execution of wills, testaments, inheritance contracts, or gifts.
When companies or shareholdings are involved, estate planning becomes even more complex. In such cases, additional aspects of corporate law as well as family structures and relationships must be considered.
Pension provision in line with our investment strategy
Our pension solutions are based on the same investment strategy that defines our asset management. Rather than focusing on national borders, we concentrate on economic sectors and rely on a high proportion of direct investments. With a conservative approach, proven principles, and a long-term perspective, we consistently integrate pension assets into our overarching investment philosophy. We are guided by the conviction that substance and clarity are more important than an extensive range of products.
You can count on us to only offer solutions that we stand behind. The proof? Our employees use them a soften as our customers do.
”Roland Henz, Senior Client Advisor
Your contact at Dreyfus Banquiers
Good advice begins with an open exchange. We are happy to assist you.