Profond

What Profond does

Profond is an independent Swiss collective pension fund foundation (Sammelstiftung) founded in 1991, headquartered in Zürich with a secondary office in Lausanne. It provides occupational retirement benefits (BVG/2nd pillar) to Swiss companies with a minimum of 10 employees and their workforce, excluding certain sectors (hospitality, domestic workers, agriculture/forestry, taxis, massage parlors, and armaments). As of 31 May 2026, Profond manages CHF 19.1 billion in assets across 2,981 affiliated companies and 105,832 insured persons, generating a 3.9% year-to-date return and maintaining a 111.7% coverage ratio. The foundation is recognized as the 18-time winner of the SonntagsZeitung "Highest Interest Rate" award, with a 4.6% average interest rate over the 2021–2025 period and a 99% customer retention rate.

Profond's product portfolio is anchored by ProfondConnect, a proprietary multi-stakeholder digital portal serving insured persons, affiliated companies, and commercial broker partners with self-service functions including pension simulations, digital certificates, document management, and salary/retirement notifications. Adjacent services include Profond Academy (training and free e-mail courses on Swiss occupational pension), Profond Care (free case management for incapacity-to-work situations), a Digital Pension Certificate developed in partnership with the inter-pension association, and an AI-generated English-language podcast ("Emma in Switzerland") targeting expats. Investment allocation skews toward equities (>50%) and real estate (>30%), with the Profond Investment Foundation serving as a separate legal entity for real estate asset management.

Profond operates a hybrid go-to-market combining direct enterprise sales to mid-market Swiss employers with a broker/agent channel for new acquisition, while self-service digital delivery scales ongoing servicing. Revenue derives from ongoing employer/employee pension contributions and investment returns on AUM rather than disclosed management fees, as is typical for Swiss Sammelstiftungen. The foundation is governed by a Foundation Board (Stiftungsrat) chaired by Peter E. Bodmer, with Laurent Schlaefli as CEO, and is currently in a regulatory dispute with OAK BV over interest rate directives — a complaint filed with the Federal Administrative Court in January 2026.

Name

Profond

Legal name

Profond Vorsorgeeinrichtung

Website

https://profond.ch

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Profond is an independent Swiss collective pension fund foundation (Sammelstiftung), founded in 1991, managing CHF 19.1 billion in occupational retirement assets for 2,981 affiliated companies and 105,832 insured persons across Switzerland through its Zürich headquarters and Lausanne office.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Services

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Pensions & Retirement Benefits Administration (BPAIAKAA), Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

Keywords

• Occupational pension services
• Pension fund management
• BVG occupational provision
• Collective pension foundation
• Retirement savings plans

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices2 records

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 Contributions: Profond operates as an independent collective foundation (Sammelstiftung) funded through employer and employee contributions to occupational pension schemes. Revenue is generated through managing these contributions and investing assets under management.
2. Investment Returns: Profond generates returns through investment of pension assets across equities (over 50%), real estate (30%+), and other asset classes. The fund achieved 5.3% total return in 2025 and maintains a coverage ratio above 110%.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Profond is an independent Swiss collective pension fund foundation (Sammelstiftung) that provides mandatory and supplementary occupational retirement benefits (BVG / 2nd pillar) to affiliated companies and their employees. It manages pension contributions and invests the assets across equities, real estate, and other classes, while delivering administration, digital self-service, and supplementary services such as case management and retirement education.

Product overview

Profond is an independent collective foundation (Sammelstiftung) providing occupational retirement benefits (2nd pillar pension insurance) in Switzerland. Its product portfolio centres on ProfondConnect — a unified digital portal available to insured persons, affiliated companies, and commercial partners — supplemented by several value-added services: Profond Academy (training and e-mail courses on pension topics), Profond Care (case management for employees with illness or accident-related incapacity), the Digital Pension Certificate (launched January 2026, developed with the inter-pension association), and an AI-generated podcast for expats ('Emma in Switzerland', launched May 2026). Profond does not offer insurance or financial products beyond occupational pension provision.

Differentiator

Problem solved

Functional benefit

Brands

• ProfondConnect: Online portal for insured persons, companies, and partners to manage pension data, run simulations, and access self-service features.
• Profond Academy
• Profond Care

Products and services

• Occupational Pension Provision (BVG) Core occupational pension fund (2nd pillar / BVG) service offered to Swiss companies with at least 10 employees and their workforce. Covers retirement, death, and disability benefits with customizable plan parameters such as coordination deduction, insured salary, and savings contributions. Revenue is generated from employer and employee contributions and from returns on the managed pension assets.
• ProfondConnect Proprietary digital self-service portal available in versions for insured persons, affiliated companies, and sales partners. Provides secure access to pension data with daily updated information, pension simulations, retirement scenario planning, document downloads, salary and address notifications, incapacity declarations, and a digital mailbox for pension correspondence.

Quantifiable outcome

• 4.6% average interest rate over 5 years (2021-2025)
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Pro InfirmiscoreStrategic or Co-development Partner · 1 May 2026Collaborative partnership with Pro Infirmis to develop information sheets on occupational retirement benefits in 'Easy Language' (Leichte Sprache). The two sheets ('Understanding Occupational Retirement Benefits' and 'Understanding the Pension Certificate') make pension information accessible to people with lower reading literacy and those requiring easily understandable information.
• inter-pension associationcoreStrategic or Co-development Partner · 1 January 2026Partnership with the inter-pension association (Verband inter-pension) to introduce the digital pension certificate, advancing digitalization of occupational retirement benefits in Switzerland.
• Insurance Brokers and AgentscoreChannel Partner/ Reseller/ DistributorNetwork of insurance brokers and agents who facilitate connections between employers and Profond. Brokers are contractually bound to process information exclusively for offer preparation and may only forward data to other Swiss pension funds. They must ensure data security and comply with BVG confidentiality obligations.

Scale indicators10 records

Broad incumbents

• AXA Switzerland: Major Swiss insurer with a significant 2nd-pillar group-life and pension offering. Competes with Profond for employer-sponsored BVG plans and benefits-administration mandates, bundled with broader group insurance.
• Bâloise: Swiss insurance and pension provider with a strong 2nd-pillar presence. Overlaps with Profond in occupational pension provision and employer distribution, while also offering 3a/3b and P&C products.
• Helvetia: Swiss insurance group with active occupational pensions business under Helvetia Vita. Competes for the same BVG-employer segment and offers semi-autonomous Sammelstiftungen alongside its proprietary solutions.
• Swiss Life: Switzerland's largest life insurer and 2nd-pillar provider, offering full-spectrum pension, insurance, and advisory solutions. Overlaps with Profond in BVG occupational pension but competes at much larger scale and with a broader product suite.

Direct peers

• Vita Sammelstiftung: Joint collective pension foundation providing 2nd-pillar occupational benefits to affiliated Swiss employers. Directly comparable offering and structure, competing for the same broker-introduced employer relationships.
• PUBLICA: Federal pension fund for Swiss federal employees and affiliated organizations, operating under BVG with a large insured base. A direct institutional peer for BVG pension administration at scale.
• Copré: Swiss cooperative collective pension foundation serving companies and employees under BVG. Operates with the same Sammelstiftung model and targets a similar mid-market employer segment as Profond.
• Previs Vorsorge: Swiss collective pension foundation (Sammelstiftung) offering BVG/LPP occupational pension to employers across Switzerland. Directly comparable in structure, regulatory framework, target employer base, and value proposition of BVG-compliant occupational benefits.
• PKG Pensionskasse: Lucerne cantonal pension foundation providing BVG occupational benefits. Comparable as a regional Sammelstiftung with employer-sponsored plans, pension administration, and similar asset-management mandate.

Others

• Swisscanto (Pension funds by Zürcher Kantonalbank): Swiss institutional asset manager with pension fund investment vehicles. Adjacent enabler that competes for the investment-management component of occupational pension assets, often serving the same underlying BVG funds.

Market position

Strengths4 records

Weaknesses4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@profondpk
• LinkedInlinkedin.com/company/profond

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Profond