Pillar 3a Redesigned
Offer your clients a Pillar 3a at family office level.
Our Offering
The Everon Platform
Our platform provides all the tools needed to manage the Pillar 3a accounts of your clients efficiently. It eases client onboarding, provides detailed performance reporting, and offers a secure document management system.
Tax Saving Solution
Creating a Pillar 3a account offers many advantages, including tax savings and earning interest through investments. By depositing the maximum amount into the Pillar 3a account, you can deduct this amount from your taxable income.
Individual Investment Solution
You select the investment strategy and focus that best suit your investment goals and advice.
Why Invest Directly in Pillar 3a?
At Everon, we offer the option to invest directly in Pillar 3a.
By investing directly in stocks or bonds, we can precisely manage the portfolios at any time and adapt them to your needs. We ensure that your portfolio is broadly diversified and that the risk remains within the range you desire. Not using collective investments such as funds and ETFs also has the advantage that no additional costs are charged. The result is a transparent and individual portfolio according to your clients’ wishes, where you can see at any time in which companies they are invested.
Our partner
Your account and custody account are opened by Liberty Foundation for 3a Retirement Savings. Liberty is one of Switzerland’s leading pension providers and manages around CHF 4 billion in client assets
Our strategies
Multifactor
Growth-oriented & Active
Stocks, Bonds, ETFs, Funds
Mainly direct investments
Global, CH
Monthly investment
From 40% to 100% equity
Smart Global Markets
Growth-oriented & Passive
ETFs, Funds
Collective investments
Global / CH
Monthly investment
From 40% to 100% equity
Income
Income-generating
Stocks, Bonds, ETFs, Funds
Mainly direct investments
Global, CH
Monthly investment
From 40% to 100% equity
Sustainability
Growth-oriented & Active
Stocks, Bonds, ETFs, Funds
Mainly direct investments
Global, CH
Monthly investment
From 40% to 100% equity
Tailor-made
Tailor-made portfolio construction, intelligent monitoring and rebalancing. We work with you to create tailor-made portfolios based on your goals and life priorities. Starting from CHF 100,000.
Talk to usEveron Insights
Read more about pillar 3a in our blog.
Interested to find out more?
Talk to usFAQ Pillar 3a
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You always have a detailed insight into your portfolio via our app. You can see each individual position with amount and performance.
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Your investment amount is invested according to your risk profile, your preferences and the chosen strategy.
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Individual wishes and restrictions can be communicated to us at any time in order to personalize your portfolio. We will discuss the implementation together and deposit it to the portfolio.
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Newly deposited capital is invested in your portfolio according to your existing strategy. We invest the money as quickly as possible, usually within a week.
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The amount that can be paid in per year is capped by law. The maximum amount differs depending on the employment relationship and is redefined each year: For employees, the maximum amount of CHF 6’883 applies in 2022. Self-employed persons who do not pay into a pension fund may pay in 20 percent of their annual earned income, but a maximum of CHF 34’416.
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Normally, retirement benefits can be withdrawn at the earliest five years before and at the latest five years after reaching retirement age. An early withdrawal (withdrawal before retirement age) is possible in the following cases: emigration, self-employment, purchase into a pension fund, divorce, financing of owner-occupied residential property, repayment of mortgages or invalidity.
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If you withdraw your 3a assets at retirement age, income taxes will be due upon withdrawal, albeit at a reduced rate. The tax rate applied here depends, among other things, on the amount of your pension assets to be withdrawn. In principle, the higher this amount, the higher the tax burden. Since you can only withdraw the entire balance of an account, it makes sense to have several accounts in order to spread the withdrawal over several years and keep the amount per account as low as possible. The optimal withdrawal depends on your personal situation, which is why you should contact us personally on this subject.
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After opening, you will find a document for transferring your existing pension assets in the app under “Transfer” > “Pillar 3a” > select your portfolio > “Download account information”. You must fill this out and send it to your previous pension fund. Your assets will then be transferred to your Everon account.
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Any taxable person in Switzerland who is at least 18 years old and is either an employee or self-employed.