Your 3a,
your decision.

Everon offers you Pillar 3a at family office level. You not only save taxes, but also have a say in how your assets are invested. Transparent thanks to our direct investment approach.

Your benefits

Completely independent

We are 100% independent. We are not tied to any banks or insurance companies. This allows us to choose the investment securities that best suit you.

Direct investments

With our direct investment approach, we are able to create your individual investment portfolio for you. So that your retirement plan fits you, your needs and your goals. We are one of the first providers in Switzerland to offer this direct investment approach to retirement planning.

Invest competently

Your Pillar 3a assets are invested according to our investment approach, which has won awards from “Bilanz”. Your portfolio is reviewed as part of the monthly rebalancing process and we adjust it to current market developments if necessary.

Why invest directly in pillar 3a?

By investing directly in equities or bonds, you can precisely manage your portfolio at any time and adapt it to your needs. We ensure that your portfolio is broadly diversified and that the risk remains within your desired range. In addition, not using collective investments such as funds and ETFs has the advantage that no additional product costs are incurred.

The result is a transparent and individual portfolio according to your wishes, where you can see at any time in which companies you 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 us
Learn more

Pricing

Pillar 3a

Custodian fee Everon fee Pension fee Total Whats included
0.15% 0.60% 0.25% 1.00%
Relationship management
Transaction, custody and administration fees
Foreign currency transactions are settled at the interbank rate without commission
Tax statement

Pricing

Pillar 3a

  • Custodian fee
    0.15%
  • Everon fee
    0.60%
  • Pension fee
    0.25%
  • Total
    1.00%
  • Whats included
    Relationship management
    Transaction, custody and administration fees
    Foreign currency transactions are settled at the interbank rate without commission
    Tax statement

Everon Insights

Read more about pillar 3a in our blog.

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Cancel & switch pillar 3a: This is what you should consider
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Pillar 3a payout: What you should bear in mind when making a withdrawal
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Pillar 3a Insider Tips: Amounts, taxes, payout & comparison
MORE ARTICLES

Interested to find out more?

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FAQ Pillar 3a

  • You always have a detailed insight into your portfolio via our app. You can see each individual position with amount and performance.

  • Your investment amount is invested according to your risk profile, your preferences and the chosen strategy.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Any taxable person in Switzerland who is at least 18 years old and is either an employee or self-employed.