Blog
Divorce & Finances: Asset Division, Pension Split, Pension Fund
26/06/2026
The individual vested benefits solution
Don't let your vested benefits sit idle. We invest your retirement capital directly and transparently, aligned with your time horizon to retirement.
Our offering
The Everon offering
Our offering brings your vested benefits together in one place: fully digital onboarding, detailed reporting, and support in tracking down forgotten vested benefits accounts at the BVG safety net institution.
Direct investments
As one of the first providers of direct investments, we take an innovative approach with our vested benefits accounts. We invest as directly as possible rather than using funds and ETFs in our portfolios to avoid additional product costs.
Individual investment solution
Together we define the investment strategy that fits your goals and time horizon. We implement it through our infrastructure and manage your vested benefits according to the agreed parameters.
When is a vested benefits account needed?
Typically, the employer chooses a pension fund into which a portion of the salary is paid each month. In certain situations, however, the pension capital is withdrawn from the pension fund system and transferred to a private vested benefits account. If the capital sits uninvested in the vested benefits account until retirement age, potential investment returns remain untapped.
Situations in which a vested benefits account becomes relevant:
Unemployment
Anyone who becomes unemployed leaves the pension fund. The pension money must be transferred to a vested benefits account.
Divorce
In a divorce, the retirement assets accumulated during the marriage are divided, the share is transferred to a vested benefits account.
Emigration
When moving abroad, the pension capital can, depending on the destination country, be transferred to a vested benefits account.
Change of employer
Between two employments without immediate continuity, the pension money is parked in a vested benefits account.
Our partner
Your account and custody are opened with the Liberty vested benefits foundation. Liberty is an established Swiss pension provider.
Thanks to this partnership, you benefit from a long-established foundation structure within the regulatory framework, with investment flexibility on the Everon side.
Our investment styles
Four curated strategies. Choose the one that fits your wealth, or let us design a bespoke offering with you.
INVESTMENT STYLE · 01
Multifactor
- Style
- Growth-oriented & active
- Instruments
- Equities, bonds, ETFs, funds
- Vehicle
- primarily direct investments
- Region
- global, CH
- Cadence
- monthly investment
- Equity allocation
- 40% to 100% equities
INVESTMENT STYLE · 02
Smart Global Markets
- Style
- Growth-oriented & passive
- Instruments
- ETFs, funds
- Vehicle
- Collective investments
- Region
- global, CH
- Cadence
- monthly investment
- Equity allocation
- 40% to 100% equities
INVESTMENT STYLE · 03
Income
- Style
- Generate income
- Instruments
- Equities, bonds, ETFs, funds
- Vehicle
- primarily direct investments
- Region
- global, CH
- Cadence
- monthly investment
- Equity allocation
- 40% to 100% equities
INVESTMENT STYLE · 04
Tailor-Made
- Style
- Bespoke strategy
- Instruments
- Direct investments, funds, AMCs
- Vehicle
- Tailored allocation
- Region
- global, CH
- Cadence
- From CHF 100,000
- Equity allocation
- 0% to 100% equities
Insights
Everon Insights
Read more about vested benefits on our blog.
