GEMINI Collective Foundation

What GEMINI Collective Foundation does

GEMINI Collective Foundation is a Swiss collective pension foundation (Sammelstiftung) founded in 1977 and headquartered in Zürich, operating under the Swiss Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG). It provides occupational pension solutions to Swiss companies with a minimum of 15 insured persons each, serving 2,640 affiliated companies (Vorsorgewerke) covering 34,752 insured persons (29,669 active and 4,421 pensioners) and managing CHF 6.8 billion in pension assets at a 112% average coverage ratio.

The foundation offers two core product lines — Basisvorsorge for mandatory BVG coverage and Kadervorsorge for supplementary executive/employee benefits — through a structure in which each affiliated company maintains its own separate Vorsorgewerk with an independent balance sheet, enabling plan customization. Investment options span four pools with equity exposures ranging from 0% to 50%, allowing risk profiles to be tailored per company, while the Connect digital portal provides policyholders and HR administrators with self-service access to plan information. ESG positioning is supported through partnerships with myclimate (carbon offsetting) and Ethos (sustainable investing).

Revenue is generated from recurring administration and asset management fees on CHF 6.8B AUM, supported by a lean staff of approximately 35 employees. The most material near-term strategic event is the planned transition to full operational independence in July 2026, accompanied by a new executive management team, a dedicated sales leadership hire (Karlo Barac, April 2025), an adjusted investment pool strategy (January 2025), and a relaunched website with interactive tools (August 2025). These moves constitute operational renewal and repositioning rather than a fundamental shift in the foundation's underlying BVG pension administration model.

Name

GEMINI Collective Foundation

Legal name

GEMINI Sammelstiftung

Website

https://gemini.ch

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

GEMINI Collective Foundation is a Swiss Sammelstiftung providing BVG occupational pension solutions to 2,640 affiliated companies and ~34,752 insured persons, managing CHF 6.8B across separate Vorsorgewerke, four investment pools, and a Connect digital portal.

Ownership category

akta.pro rank

Product category

Occupational Pension Services

NAICS

Pension Funds (525110)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Occupational pension services
• Pension fund management
• Corporate retirement plans
• Employee benefit solutions
• Pension administration

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Pension Fund Management and Administration Fees: GEMINI Sammelstiftung operates as a Swiss collective pension foundation (Sammelstiftung) providing occupational pension solutions (BVG/occupational retirement, survivors', and disability benefits). The foundation generates revenue through administration and management fees charged to affiliated companies and their insured persons for the management of pension assets, processing of contributions, and provision of digital services. Contributions are structured through employer and employee savings contributions, supplementary contributions, and risk insurance premiums.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

GEMINI Collective Foundation (GEMINI Sammelstiftung) is an independent Swiss collective pension foundation that provides mandatory and supplementary occupational pension solutions (BVG/LPP) to Swiss employers. It administers two pension solutions, Basisvorsorge and Kadervorsorge, across multiple investment strategies, serving 2,640 affiliated companies and 34,752 insured persons with approximately CHF 6.8 billion in assets under management.

Product overview

GEMINI Sammelstiftung is a collective pension foundation offering two main pension solutions: Basisvorsorge (basic pension) and Kadervorsorge (executive pension). Each solution maintains a separate pension fund (Vorsorgewerk) tailored to client company needs. The product portfolio includes five investment pools (Pool 0, Pool 25, Pool 35, Pool 50, Pool Renten 1/2) providing different equity allocations from 0% to 50% for risk diversification. The Connect digital platform provides separate online portals for insured persons and employers/brokers to manage pension administration, calculations, and document access paperlessly.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Companies receive their own pension fund with separate coverage degree and annual financial statements
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

17 partnerships are on record, tiered core and supporting.

• UBS Switzerland AGcoreTechnology or IntegrationUBS serves as the depot bank for GEMINI's investment assets. For individual investment strategies, the depot bank is UBS for administrative purposes, though assets can be held at other banks. UBS also provides asset management services for various asset classes including Swiss bonds, government bonds (hedged), equities, and mortgages.
• Pictet Asset Management SAcoreTechnology or IntegrationPictet Asset Management SA manages the liquidity asset class within GEMINI's investment strategy.
• Syz Asset Management AGcoreTechnology or IntegrationSyz Asset Management AG manages Swiss franc bonds within GEMINI's investment asset classes.
• UBS Asset Management AGcoreTechnology or IntegrationUBS Asset Management AG manages multiple asset classes: Swiss equities, foreign equities (and hedged versions), government bonds in foreign currencies (hedged), corporate bonds in foreign currencies (hedged), and Swiss mortgage investments.
• Principal Global Investors (Switzerland) GmbHcoreTechnology or IntegrationPrincipal Global Investors manages the Global High Yield Bonds (hedged) asset class within GEMINI's investment strategy.
• Schroders Investment Management (Switzerland) AGcoreTechnology or IntegrationSchroders Investment Management also manages the Global High Yield Bonds (hedged) asset class within GEMINI's portfolio.
• Brookfield Infrastructure PartnerssupportingTechnology or IntegrationBrookfield Infrastructure Partners is one of the infrastructure investment managers within GEMINI's alternative asset class.
• IFM InvestorssupportingTechnology or IntegrationIFM Investors manages infrastructure assets within GEMINI's alternative investment portfolio.
• J.P. MorgansupportingTechnology or IntegrationJ.P. Morgan is one of the infrastructure investment managers within GEMINI's alternative asset class.
• Swisscanto AnlagestiftungsupportingTechnology or IntegrationSwisscanto Anlagestiftung manages Swiss mortgage investments within GEMINI's asset class structure.
• VZ VermögenszentrumsupportingTechnology or IntegrationVZ Vermögenszentrum manages Swiss mortgage investments within GEMINI's portfolio of asset classes.
• UBS Fund Management AGcoreTechnology or IntegrationUBS Fund Management AG, based in Basel, handles investment management and controlling for GEMINI.
• EYcoreOthersEY (Ernst & Young) based in Basel serves as GEMINI's independent auditor (Revisionsstelle), conducting annual audits including compliance with BVV 2 investment regulations.
• Allvisa AGcoreTechnology or IntegrationAllvisa AG in Zürich is GEMINI's pension expert ( Pensionskassenexperte) contract partner, with René Zehnder as the executing expert.
• myclimatesupportingOthersmyclimate is GEMINI's partner for complete CO2 compensation of unavoidable emissions, demonstrating GEMINI's commitment to environmental sustainability in its own operations.
• Ethos (Ethos Engagement Pool)supportingStrategic or Co-development PartnerGEMINI participates in the Ethos Engagement Pool Switzerland and Ethos Engagement Pool International, producing annual engagement reports on sustainable investment stewardship for 2025.
• Zentralschweizer BVG- und Stiftungsaufsicht (ZBSA)coreOthersZBSA in Lucerne is GEMINI's regulatory supervisory authority for occupational pension foundations, overseeing compliance with Swiss pension law.

Scale indicators9 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Tellco Sammelstiftung: Tellco is an independent Swiss Sammelstiftung providing BVG occupational pension solutions to Swiss companies with multi-strategy investment options. It serves the same KMU/mid-market employer segment as GEMINI with comparable product structure.
• Pillar Vita Sammelstiftung: Pillar Vita is an independent Swiss Sammelstiftung offering BVG-compliant occupational pension solutions with multiple investment strategies to affiliated employers. Its positioning as an independent, customizable collective foundation closely mirrors GEMINI's value proposition in the Swiss KMU segment.
• Swiss Life Sammelstiftung: Swiss Life's collective foundation business is the closest large-scale direct peer to GEMINI Sammelstiftung, offering BVG-compliant occupational pensions to Swiss companies via a multi-employer foundation structure with investment pool selection. Like GEMINI, it targets Swiss KMUs but operates at much larger scale and as part of the broader Swiss Life Group.
• Abendrot Sammelstiftung: Abendrot is an independent Swiss Sammelstiftung offering BVG-compliant occupational pension solutions with a focus on transparency, sustainability, and customizable investment strategies. It competes with GEMINI for affiliations from values-oriented Swiss companies and KMUs.
• Avadis Sammelstiftung: Avadis Sammelstiftung is a Swiss collective pension foundation offering BVG-compliant solutions with multiple investment strategies to affiliated companies. It targets a similar Swiss KMU employer base with customizable Vorsorgewerke, directly competing with GEMINI.
• Nest Sammelstiftung: Nest Sammelstiftung is a Zurich-based collective pension foundation offering BVG solutions to Swiss companies with multiple investment strategies. It is a direct peer in terms of multi-employer Sammelstiftung structure and KMU/mid-market target segment.
• Profond Sammelstiftung: Profond is a Swiss Sammelstiftung providing semi-autonomous pension solutions with multiple investment strategies and a customizable Vorsorgeplan per affiliated company. It competes directly with GEMINI for Swiss KMU affiliations, particularly in German-speaking Switzerland.

Emerging players

• VZ Vermögenszentrum: VZ Vermögenszentrum is a Swiss financial services firm offering pension advisory and management services, including BVG solutions for individuals and employers. While it serves overlapping customers, it is more an advisory and asset management platform than a pure-play Sammelstiftung.

Broad incumbents

• Bâloise Sammelstiftung: Bâloise is a major Swiss insurer offering collective pension foundations and BVG solutions as part of its broader life/pensions portfolio. As an insurer-owned Sammelstiftung it competes with GEMINI but lacks the pure-play independence positioning.
• Helvetia Sammelstiftung: Helvetia Versicherungen offers a Sammelstiftung for occupational pensions as part of its broader Swiss insurance portfolio. It competes with GEMINI in the Swiss BVG market but typically bundles pension offerings with other insurance products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/geminisammelstiftung

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 GEMINI Collective Foundation