Caisse de pensions de la fonction publique du canton de Neuchâtel
CPCN is a Swiss public pension fund that provides mandatory occupational pension (BVG/LPP) and supplementary retirement, disability, and survivor benefits to 31,099 public-sector employees and pensioners across 123 affiliated employers in the Canton of Neuchâtel.
- Company typePrivate
- Founded2010
- HeadquartersLa Chaux-de-fonds, Switzerland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Caisse de pensions de la fonction publique du canton de Neuchâtel does
CPCN (Caisse de pensions de la fonction publique du canton de Neuchâtel) is a Swiss public pension fund institution established as an autonomous public law establishment under the cantonal LCPFPub law. It provides mandatory occupational pension insurance covering the 2nd pillar (BVG/LPP) — retirement, disability, and survivor benefits — to public sector employees in the Canton of Neuchâtel and, on a convention basis, affiliated communes. As of January 1, 2026 it serves 31,099 active insured members and pensioners across 123 affiliated employers, including the State of Neuchâtel and the Cities of La Chaux-de-Fonds and Neuchâtel (affiliated by law), plus cantonal communes (affiliated by convention, with one exception). It manages a CHF 5.9 billion diversified portfolio spanning financial investments, 271 directly-held real estate properties (approximately 75% residential), term loans to affiliated employers and public corporations, and externally-managed responsible-investment mandates via Ethos.
Core products center on the statutory pension insurance offering, with a modular product layer added on top: mortgage lending (Prêts hypothécaires) for primary residences up to 80% LTV and investment/secondary properties up to 66% LTV; Plan Epargne+, a voluntary supplementary savings plan introduced January 1, 2022 that allows members to contribute an additional 1% of salary; and digital tools including the Self Service Employer (SSE) portal accessible via the federal Guichet unique, an online retirement simulator, a mortgage calculator, and a contribution calculator. Distribution runs through direct engagement: SSE for employer-side administration, individual appointments and group retirement seminars for member counseling, and dedicated in-house mortgage specialists. CPCN charges no fees to members for core pension services; revenue is generated from mandatory employer/employee contributions, investment returns on the CHF 5.9B portfolio, and interest income on mortgage and term loans.
Financial performance shows an 84.8% coverage degree (exceeding the 80% statutory target set for 2052), 5.4% net investment performance in 2025, a value fluctuation reserve near target at CHF 1 billion (~93%), and 3.0% interest credited on retirement savings in 2025. The institution reports no external shareholders, no equity funding, and operates under the supervision of As-So within the Swiss partial-capitalization framework (art. 72a-g LPP).
Caisse de pensions de la fonction publique du canton de Neuchâtel firmographics
Firmographics- Name
- Caisse de pensions de la fonction publique du canton de Neuchâtel
- Legal name
- Caisse de pensions de la fonction publique du canton de Neuchâtel
- Website
- https://cpcn.ch
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CPCN is a Swiss public pension fund that provides mandatory occupational pension (BVG/LPP) and supplementary retirement, disability, and survivor benefits to 31,099 public-sector employees and pensioners across 123 affiliated employers in the Canton of Neuchâtel.
- Ownership category
- akta.pro rank
Caisse de pensions de la fonction publique du canton de Neuchâtel industry classification
Industry- Product category
- Public Sector Occupational Pension Fund
- NAICS
- Pension Funds (525110), Insurance and Employee Benefit Funds (5251)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)
- akta.pro secondary industries
- Worksite Disability Insurance (STD/LTD) (FSAIAMAD), Long-Term Disability (LTD) Insurance (FSAIAIAD)
Keywords
Where Caisse de pensions de la fonction publique du canton de Neuchâtel is headquartered
LocationHeadquarters
- HQ city
- La Chaux-de-fonds
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Caisse de pensions de la fonction publique du canton de Neuchâtel business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Others
Revenue model
- Pension contributions: CPCN collects mandatory pension contributions from affiliated public sector employees and their employers. Contributions fund retirement savings, disability benefits, and survivor benefits.
- Investment returns: The fund generates returns from its CHF 5.9 billion investment portfolio, including real estate (271 properties), financial investments, and term loans to affiliated employers and public corporations.
- Mortgage lending interest: CPCN provides mortgage loans to insured members, affiliated employers, and Swiss public law corporations at competitive rates, generating interest income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Mortgage loans up to 80% of property value for primary residence |
| Unit Pricing | Monthly | Mortgage loans up to 66% for secondary properties |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Caisse de pensions de la fonction publique du canton de Neuchâtel product offering
Product offeringCore offering
CPCN is a Swiss public pension fund that provides mandatory occupational pension insurance (BVG/LPP 2nd pillar) covering retirement, disability, and survivor benefits to public sector employees in the Canton of Neuchâtel. It also offers a supplementary savings plan (Plan Epargne+) and mortgage lending services to insured members, affiliated employers, and Swiss public law corporations. The fund manages a CHF 5.9 billion diversified portfolio including 271 real estate properties and financial investments.
Product overview
CPCN is a Swiss public sector pension fund (caisse de pensions) providing mandatory occupational pension insurance (BVG/LPP 2nd pillar) along with supplementary retirement benefits for public employees in the Canton of Neuchâtel. The organization operates a platform-plus-modules architecture centered on core pension insurance coverage, complemented by mortgage lending services (Prêts hypothécaires), an employer self-service portal (SSE), and various digital tools including retirement simulators, mortgage calculators, and contribution calculators. A supplementary savings plan (Plan Epargne+) allows members to enhance their retirement benefits with additional contributions.
Differentiator
Problem solved
Functional benefit
Products and services
- Occupational Pension Insurance (Retirement, Disability, Death — 1st and 2nd Pillar) Core mandatory pension insurance providing retirement savings, disability benefits, and survivor coverage for public sector employees in the Canton of Neuchâtel, governed by Swiss federal pension law (BVG/LPP) and cantonal law (LCPFPub).
- Plan Epargne+ (Supplementary Savings Plan) Voluntary supplementary retirement savings plan allowing insured members to contribute an additional 1% of salary to improve future pension benefits, available since January 1, 2022.
- Prêts hypothécaires (Mortgage Loans) Mortgage lending services offering fixed and variable rate loans for primary residences (up to 80% LTV), secondary residences, and income-producing properties (up to 66% LTV) to affiliated insured members and Swiss public law corporations at competitive rates.
- Term Loans (Prêts à terme) Term loans offered to affiliated public sector employers and public law corporations at competitive interest rates, with terms ranging from 2 years (1.65%) to 10 years (2.00%).
Quantifiable outcome
- 84.8% coverage degree (exceeds 80% legal target for 2052)
- +4 more outcomes
Companies that use Caisse de pensions de la fonction publique du canton de Neuchâtel
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Caisse de pensions de la fonction publique du canton de Neuchâtel technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Caisse de pensions de la fonction publique du canton de Neuchâtel partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Ethos Engagement Pool InternationalcoreCPCN is a founding member of the Ethos Engagement Pool International since January 2017. Voting rights for international equity investments are exercised according to UN Principles for Responsible Investment (UN PRI) governance rules.
- Ethos Engagement Pool SuissecoreCPCN is a founding member of the Ethos Engagement Pool Suisse since July 2011. Ethos exercises voting rights on CPCN's behalf for Swiss listed companies according to voting guidelines ratified annually by CPCN's Board of Directors.
- Ethos (Foundation for Sustainable Investment)coreEthos analyzes each agenda item at shareholder meetings and formulates voting recommendations. CPCN publishes an annual report explaining voting decisions. Since 2014, Swiss pension funds are legally obligated to exercise voting rights under articles 71a and 71b LPP.
Scale indicators8 records
Recent moves5 records
Expansion highlights5 records
Caisse de pensions de la fonction publique du canton de Neuchâtel competitors and assessment
Company assessmentDirect peers
- CPEV — Caisse de pensions de l'État de Vaud: Cantonal public-sector pension fund for the State of Vaud operating under the same Swiss BVG/LPP framework as CPCN. Directly comparable in product offering (retirement, disability, survivor benefits), employer-sponsored membership structure, and investment portfolio approach.
- CPEG — Caisse de prévoyance de l'État de Genève: Public-sector pension fund for Geneva state employees providing the same occupational pension (2nd pillar) coverage. Closely comparable in governance structure, member benefits, and asset management mandate.
- Pensionskasse des Kantons Bern (PKB): Cantonal pension fund for the Canton of Bern offering retirement and risk benefits to public employees. Mirrors CPCN's structure under cantonal public law with a similar employer-affiliated membership model.
- BVK Personalvorsorge des Kantons Zürich: Pension fund for the Canton of Zürich's public employees — operates under the same Swiss federal pension regulatory regime and provides comparable retirement, disability, and survivor coverage.
- Pensionskasse Basel-Stadt: Cantonal pension fund serving Basel-Stadt public employees under the same LPP framework. Directly comparable in product mix and membership structure.
- CPVal — Caisse de pensions de l'État du Valais: Public-sector pension fund of the Canton of Valais providing occupational pension coverage to state employees — same Swiss regulatory regime and employer-affiliated mandate as CPCN.
- Caisse de pensions du personnel communal de Lausanne (CPCL): Municipal employee pension fund for the City of Lausanne — smaller geographic scope than CPCN but operates the same BVG/LPP occupational pension model with employer-affiliated members.
- Pensionskasse Schaffhausen: Cantonal pension fund for the Canton of Schaffhausen providing occupational retirement and risk coverage to public employees — operates under identical Swiss LPP framework and employer-affiliated model.
Broad incumbents
- PUBLICA: Federal pension fund for Swiss federal employees and affiliated organizations — broader geographic scope than CPCN but functionally identical (occupational pension, disability, survivor benefits). Operates at greater scale across multiple federal employers.
- Compenswiss: Swiss federal compensation fund managing old-age, disability, and income compensation insurance funds — structurally comparable to CPCN as a large public pension/insurance fund under federal oversight.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Caisse de pensions de la fonction publique du canton de Neuchâtel social profiles
Digital presenceCaisse de pensions de la fonction publique du canton de Neuchâtel financial estimates
Financial estimateRevenue estimate
Valuation estimate
Caisse de pensions de la fonction publique du canton de Neuchâtel leadership team
Management profileNumber of profiles
Caisse de pensions de la fonction publique du canton de Neuchâtel funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Caisse de pensions de la fonction publique du canton de Neuchâtel M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Caisse de pensions de la fonction publique du canton de Neuchâtel
What does Caisse de pensions de la fonction publique du canton de Neuchâtel do?
CPCN is a Swiss public pension fund that provides mandatory occupational pension insurance (BVG/LPP 2nd pillar) covering retirement, disability, and survivor benefits to public sector employees in the Canton of Neuchâtel. It also offers a supplementary savings plan (Plan Epargne+) and mortgage lending services to insured members, affiliated employers, and Swiss public law corporations. The fund manages a CHF 5.9 billion diversified portfolio including 271 real estate properties and financial investments.
Is Caisse de pensions de la fonction publique du canton de Neuchâtel a public or private company?
Caisse de pensions de la fonction publique du canton de Neuchâtel is a private company. It is classified as state government owned and is currently operating.
When was Caisse de pensions de la fonction publique du canton de Neuchâtel founded?
Caisse de pensions de la fonction publique du canton de Neuchâtel was founded in 2010. It employs 11 to 50 people.
Where is Caisse de pensions de la fonction publique du canton de Neuchâtel based?
Caisse de pensions de la fonction publique du canton de Neuchâtel is headquartered in La Chaux-de-fonds, Switzerland, in the Europe region.
How does Caisse de pensions de la fonction publique du canton de Neuchâtel make money?
Three revenue lines are on record. Pension contributions are the primary driver. The others are investment returns and mortgage lending interest.
Who are Caisse de pensions de la fonction publique du canton de Neuchâtel's main competitors?
Direct peers on record are CPEV — Caisse de pensions de l'État de Vaud, CPEG — Caisse de prévoyance de l'État de Genève, Pensionskasse des Kantons Bern (PKB), BVK Personalvorsorge des Kantons Zürich, Pensionskasse Basel-Stadt, CPVal — Caisse de pensions de l'État du Valais, Caisse de pensions du personnel communal de Lausanne (CPCL) and Pensionskasse Schaffhausen. Broad incumbents are PUBLICA and Compenswiss.
Does Caisse de pensions de la fonction publique du canton de Neuchâtel have an API?
No public API is recorded for Caisse de pensions de la fonction publique du canton de Neuchâtel.
What industry is Caisse de pensions de la fonction publique du canton de Neuchâtel in?
Caisse de pensions de la fonction publique du canton de Neuchâtel's product category is Public Sector Occupational Pension Fund. Its primary akta.pro industry code is FSAIAIAB, Group Disability Income Insurance (Employer-Sponsored), with a secondary code of FSAIAMAD, Worksite Disability Insurance (STD/LTD). Its NAICS code is 525110 and its SIC code is 6399.