Caisse de pensions de la fonction publique du canton de Neuchâtel

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).

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

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

• Occupational pension fund
• Public sector pensions
• Mortgage lending services
• Disability survivor benefits
• Retirement savings management

Headquarters

HQ city

La Chaux-de-fonds

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Pension contributions: CPCN collects mandatory pension contributions from affiliated public sector employees and their employers. Contributions fund retirement savings, disability benefits, and survivor benefits.
2. 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.
3. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Ethos Engagement Pool InternationalcoreTechnology or Integration · 1 January 2017CPCN 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 SuissecoreTechnology or Integration · 1 July 2011CPCN 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)coreStrategic or Co-development PartnerEthos 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

Direct 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

• LinkedInlinkedin.com/company/caisse-pensions-canton-neuchatel

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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