Family & life stages · Module 9

Who owns what
in a marriage?

The property regime governs your assets – during marriage and at its end.

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Assets in marriage

The default

The ordinary regime

Acquired-property regimeapplies without an agreement

Own propertybrought in, inherited, gifted

Acquired propertyearned during marriage

At dissolution

Own property staysremains yours alone

Acquired propertysplit in half

Burden of proofin doubt: acquired

The choice

All kept apart – clear at dissolution.

Shared estate – more closely bound.

AgreementDivisionInheritance

Always protected

Family homeonly with both consenting

Debtseach for their own

Exceptionrepresenting the union

Good to know

💡 First step: Property regime and marital agreement decide who owns what – and who is protected in an emergency. Worth clarifying early.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg