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Prepare for the future

For your retirement years to be golden, you need to be well prepared. The first step is making sure your finances are on track.

Ask yourself the right questions

How will you supplement your social security income (AVS)? Do you belong to an occupational pension fund? If not, what do you have in mind? Our advisors are there to help you answer these questions and to find the solutions that are best for you.

You want an occupational pension

If you don't belong to an occupational pension fund but think it’s necessary, get in touch with your BCV advisor. You will learn how you can join a pension fund and find out about other personal retirement savings plans. If you plan your finances well, you’ll be able to enjoy a good standard of living post-retirement.

You already have an occupational pension

You may have paid into an occupational pension plan for years, but have you made the right decisions? The occupational-pension system has changed in recent years and will experience further reforms in 2020. The reforms include giving people flexibility in organizing their retirement between the ages of 62 and 70. Ask your advisor for more information, and look at the advantages of supplementing your current coverage with a private pension plan.

Our solutions

Epargne 3 account

This option provides the security of guaranteed additional capital when you retire, or before. You can also save on taxes, as contributions (up to a maximum annual amount) are tax-deductible. There are also legal advantages in the areas of inheritance and bankruptcy. Other advantages: the savings in this account can go towards buying a home or paying down the mortgage on your primary residence.

Avena - Fondation BCV 2e pilier

Avena Fondation BCV 2e pilier, formerly called Fondation BCV deuxième pilier, was set up in 1978 to provide a comprehensive range of occupational pension plans for businesses.