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Vested benefits account payout with a large balance
05/10/2026
Vested benefits, managed by Everon
We invest your vested benefits following a strategy agreed with you.
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.
Individual securities rather than funds
Depending on the strategy, we invest in individual securities rather than in funds or ETFs wherever possible. Individual securities carry no ongoing fund charges.
Individual investment solution
We agree the investment strategy with you and invest your vested benefits accordingly.
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 In certain situations, however, the pension capital is withdrawn from the pension fund system and transferred to a private vested benefits account. There it can remain as a cash balance or be invested in securities.
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 cash and custody accounts are opened with the Liberty vested benefits foundation. Liberty is an established Swiss pension provider.
Your vested benefits are held by the foundation. We manage the investments in line with the strategy agreed with you.
Our investment styles
Four strategies are available. We agree one with you, or design a bespoke offering together.
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.
