Take control of your pension to secure a comfortable retirement
Invest My Pension
Your pension assets deserve better than a low-interest account. With over 20 years of experience managing our own pension foundation, we offer individualized investment solutions for 1e plans, vested benefits, and Pillar 3a - fully integrated into your overall wealth strategy.
Why invest your pension assets?
The majority of pension assets in Switzerland remain in low-yield accounts, losing purchasing power to inflation. By actively investing your pension capital, you benefit from income and wealth tax exemptions, a tailored investment strategy, and full transparency, all within the regulatory framework.
As an independent Swiss private bank with over CHF 30 billion in assets, Mirabaud combines institutional-quality investment management with a deeply personal approach. Our partners live in Switzerland and share your concerns regarding long-term financial security.
Why Mirabaud for your pension
What sets our approach to pension investing apart:
20+ years of pension expertise
We have managed our own pension foundation for over two decades, giving us deep operational and regulatory expertise.
Open architecture
Partnership with the Liberty Foundation (1e) and a Schwyz-based foundation (vested benefits)—with no bias toward proprietary products.
60+ investment professionals
Your pension assets are managed by the same team overseeing more than CHF 30 billion across all asset classes.
Tax-optimized strategy
Pension buy-ins can generate annualized net returns exceeding 13% through immediate tax deductions.
Equity ratio >20%
As a partnership with no external shareholder pressure, we take a long-term approach aligned with your pension horizon.
Integrated wealth management
Your pension strategy is coordinated with your overall investment mandate, estate planning, and tax optimization.
Mastering the Three Pillars
We optimize each pillar of the Swiss pension system to maximize your retirement security:
Extra-mandatory pension (1e)
For employees and self-employed individuals earning above CHF 136,080. Choose your own investment strategy for the extra-mandatory portion of your pension.
Vested benefits (2nd pillar)
For professionals in transition, career breaks, or approaching retirement. Invest your pension capital instead of leaving it in a low-interest account.
Pillar 3a investing
Go beyond a simple savings account. Invest your Pillar 3a assets with a strategy tailored to your retirement horizon and risk appetite.
The Power of Pension Buy-Backs
A practical example: at a marginal tax rate of 34.3%, a CHF 100,000 buy-back into your 1e plan generates an immediate tax saving of CHF 34,300.
Investment Approaches
Two proven approaches for your pension assets, both within the OPP2 regulatory framework
LPP Multi-Asset Funds
Professionally managed funds with four risk profiles to match your investment horizon.
- LPP Preservation - Capital protection focus
- LPP 25+ - Balanced with moderate equity allocation
- LPP 45+ - Growth-oriented with higher equity exposure
- LPP 65+ - Maximum growth for long horizons
Discretionary Mandate
A personalised portfolio managed by our investment team, tailored to your specific objectives.
- Customised asset allocation within OPP2 limits
- Access to institutional share classes and private markets
- Active management by 150+ investment professionals
- Quarterly reporting and annual review meetings
Your Dedicated Advisory Team
Get personalized guidance from our experienced wealth advisors who understand your unique needs.
Ready to discuss your goals?
How We Work
At your service, a specialized team and cutting-edge digital tools
Relationship Manager
Your primary contact for all banking needs
Wealth Planner
Expert in wealth planning and advice
Portfolio Manager
Investment specialist managing your assets
Investment Advisor
Provides tailored investment recommendations
700+ Professionals
Our Group at your service, in Switzerland and beyond
