Vested benefits
for your future.
Vested benefits are often ignored, even though they can make up a significant portion of your retirement savings. Invest these funds, it will benefit you and your future.
Your Benefits
The Everon Plattform
Our platform provides all the tools needed to manage you clients’ investments. It facilitates client onboarding, offers detailed performance reporting, and allows you to define investment strategies suited to your needs.
Direct investment
With our direct investment approach, we are able to create your individual investment portfolio. So that your retirement savings fit 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 vested pension 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.
When do you need a Vested Benefits account?
In general, your employer chooses a pension fund for you into which a portion of your salary is automatically paid each month. In some situations, however, the money is withdrawn from the pension fund system and added to a private vested benefits account. These funds can sit in a vested benefits account until your retirement age without being invested. Thus, you miss out on valuable returns if you do not take action.
Situations in which a vested benefits account becomes relevant:
Why invest directly in Vested Benefits?
By investing directly in stocks 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 the range you desire. Not using collective investments such as funds and ETFs also 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 Vested Pension Benefits. 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 vested benefits in our blog.
Interested to find out more?
DOWNLOAD OUR FACTSHEETFAQ Vested benefits
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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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Yes, the vested benefits can also be withdrawn early if one of the following cases applies: leaving Switzerland for good, leaving Switzerland for good as a cross-border commuter, invalidity, self-employment or acquisition of residential property.
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No, you do not have to declare vested benefits in your tax declaration. Income that you earn on these funds are also tax-free. The balance is only taxed at a reduced rate when it is withdrawn.
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Vested benefits are funds that is withdrawn from a pension fund upon leaving it without paying it into a new pension fund. This may be the case in the event of temporary unemployment or self-employment. With Everon, you can continue to invest these funds in the capital market. In principle, an account can be opened at any time.
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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.