Whether you are an executive, entrepreneur, business owner or physician, occupational and private pension is a cornerstone of your long-term financial security in Switzerland. We help you build a sustainable and tailored long-term pension strategy.
We support you in implementing tailored solutions, whether for non-compulsory occupational pension (1e) plans or for vested benefits and third pillar (3a) solutions. Mirabaud’s ambition is to offer you personalised, flexible and high-performing pension solutions, while optimising your tax situation throughout your professional journey.
A dedicated solution for executives, business owners and self-employed professionals.
The 1e pension solution is part of the non-compulsory occupational pension scheme within the Swiss second pillar. This solution allows the portion of salary exceeding CHF 136’080 (in 2025) to be insured through external collective foundations, independent of the foundation managing the basic pension plan.
With the non-compulsory occupational pension (1e) solution, insured members decide how their pension assets are invested in order to optimise returns. They can adjust their investment strategy at any time. This solution is also suitable for buy-ins and tax optimisation.
Thanks to its Collective Pension Foundation (FCDE), established in 2004, Mirabaud has been supporting the Bank’s executives and partners in managing their pension for over 20 years.
The Bank offers non-compulsory occupational pension solutions for all sectors of activity (self-employed individuals, micro and small businesses, as well as medium-sized and large companies) through leading external collective foundations.
Thanks to its cooperation with the Association Romande des Médecins (AROMED), a non-profit association and occupational pension (LPP) foundation, the Collective Pension Foundation (FCDE) offers 1e pension solutions tailored to the needs of physicians and the medical structures of the association.
The Collective Pension Foundation (FCDE) offers insured members a complementary solution to the Smartmed protection provided by AROMED, customised to secure their future, sustainably reduce their tax burden, and grow their capital through high-performing investments.
In Switzerland, vested benefits correspond to the assets of the second pillar (occupational pension) when insured members leave an employer and do not yet have a new pension fund: these assets are transferred to an account or a policy. The third pillar (3a), on the other hand, is a voluntary retirement savings plan that offers tax advantages and is funded by insured members at their own pace in preparation for retirement.
Mirabaud offers vested benefits and third pillar (3a) solutions through leading external foundations based in Schwyz.
In Switzerland, vested benefits represent an often underestimated opportunity for those who hold them. Originating from pension funds, these assets result from a change of employer, a move abroad, or the cessation of a professional activity. Making the most of them helps secure and optimise one’s financial future.
We offer a balanced strategy between security and performance through personalised management of your pension assets.
Our robust approach prioritises a long-term vision with four multi-asset strategies available for each risk profile, with equity exposure of up to 65%.
Management is delegated to Mirabaud Asset Management through our diversified LPP funds. The funds offered are the same as those available to the Bank’s executives and partners.
Wealth Management services
Wealth Management
We will build a portfolio that is aligned with your goals and values, and manage that portfolio at every stage.
Wealth Management
To get a clear picture of your needs, your wealth must be analysed as a whole, including specific aspects of international mobility and family legacy planning. We take into account the desired future and define your needs in terms of security and growth.
We provide institutional-quality access to private assets investments — designed to enhance your portfolio’s performance with long-term value creation.
A partnership based on trust, proximity and focused on the long term.
Wealth Management
To achieve Mirabaud Group’s economic responsibility goal of offering a comprehensive range of responsible and sustainable products and services, at Mirabaud Wealth Management, we aim to deliver high quality products and services that integrate ESG considerations.
