Stiftung Abendrot

What Stiftung Abendrot does

Stiftung Abendrot is an independent Swiss pension foundation (Stiftung) headquartered in Basel, founded in 1984 and operational since January 1, 1985. It provides occupational pension (BVG/LPP) coverage — retirement savings, disability insurance, and death benefits — to employees of approximately 1,250 affiliated Swiss companies, serving 17,284 active insured persons and 3,346 pension beneficiaries as of December 31, 2025. In 2024 the foundation rebranded from 'Stiftung Abendrot – Die nachhaltige Pensionskasse' to 'Abendrot – Vorsorge mit Wirkung' (pension with impact), sharpening its positioning around social, ethical and ecological investment principles that have been part of its mandate since inception.

Its core product is a unified BVG platform combining statutory retirement provision with sustainable investment exposure. Underlying asset management is conducted across two principal pillars: directly held real estate, operated through wholly-owned subsidiary Abendrot Immobilien AG (managing over 3,800 properties and executing major developments including Webergut in Zollikofen and Lagerplatz in Winterthur), and a securities portfolio classified via the proprietary Wirkungsmatrix (impact matrix) covering equities, bonds and alternatives. ESG analysis and shareholder engagement are delivered through partner Stiftung Ethos, of which Abendrot is a founding member of the Engagement Pools; co-investment exposure to early-stage European deep tech is delivered via an LP commitment to b2venture Fund V. Digital touchpoints include the Abendrot Wirkungsreise interactive impact journey and a newsletter subscription service.

The revenue model combines subscription-style administrative fees billed to affiliated companies on a tiered structure (0.15-0.35% of AVH salary plus CHF 50-70 per insured, with caps at smaller scale), investment returns on a CHF 3.412 billion asset pool, and an emerging broker-driven distribution channel formalized through a 2026 broker charter. Coverage ratio stood at 115.4% as of December 31, 2025 (117.4% by May 31, 2026), with a 5.5% retirement savings interest rate for 2025 — 4.25 percentage points above the 1.25% statutory minimum. The foundation is governed by an equally balanced employer-employee Stiftungsrat (five seats each), operationally administered by Pico Vorsorge AG, and accredited as 'Visionary' by Klima-Allianz Schweiz for both financial investments and real estate.

Name

Stiftung Abendrot

Legal name

Stiftung Abendrot

Website

https://abendrot.ch

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Stiftung Abendrot is a Swiss non-profit pension foundation founded in 1984 and headquartered in Basel, providing BVG occupational retirement, disability and death benefits to employees of approximately 1,250 affiliated companies — about 17,284 active insureds and 3,346 pensioners — under a sustainable-investment mandate with CHF 3.4 billion in assets.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Management

NAICS

Pension Funds (525110), Health and Welfare Funds (52512)

SIC

Life Insurance (6311)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industry

Worksite Disability Insurance (STD/LTD) (FSAIAMAD)

Keywords

• Occupational pension fund
• BVG LPP pensions
• Sustainable pension investments
• Corporate retirement plans
• Swiss pension administration

Headquarters

HQ city

Basel

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions: Abendrot generates revenue through employer and employee contributions to the pension fund. Employers and employees pay into the BVG (occupational pension) scheme, with Abendrot managing and investing these funds for retirement provision.
2. Administrative Fees: Abendrot charges administrative fees to affiliated companies based on a tiered structure according to number of employees: 0.35% of AVH salary + CHF 70 per person (1-19 employees, max CHF 300), scaling down to 0.15% + CHF 50 for companies with 250+ employees.
3. Investment Returns: Returns on the investment portfolio (over CHF 3.4 billion in assets) contribute to the fund's financial strength and ability to provide competitive pension benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Stiftung Abendrot is a Swiss occupational pension foundation that collects employer and employee contributions under the BVG/LPP framework, invests them across Swiss real estate, equities, bonds and alternatives, and pays out retirement, disability and death benefits. It serves approximately 1,250 affiliated employer companies and around 17,284 insured persons from a Basel headquarters, with a deliberate focus on sustainable and socially responsible investments and above-market interest crediting on retirement savings.

Product overview

Stiftung Abendrot is a Swiss pension fund offering a unified occupational pension platform that combines retirement savings, disability insurance, and death benefits. The core product is supported by directly held real estate investments managed through an internal real estate development department, and a securities portfolio categorized by social impact using the proprietary Wirkungsmatrix (impact matrix). Additional services include the Abendrot Wirkungsreise (Impact Journey) digital platform for explaining investment impact, and a newsletter subscription for regular updates. The fund positions itself as 'Vorsorge mit Wirkung' (pension with impact), emphasizing sustainable and socially responsible investments across all asset classes.

Differentiator

Problem solved

Functional benefit

Products and services

• Occupational Pension Fund (Berufliche Vorsorge / Prévoyance professionnelle) Swiss BVG/LPP occupational pension scheme providing retirement savings, death benefits, and disability insurance for employees of affiliated companies; managed with a deliberate focus on sustainable and socially responsible investments.
• Real Estate Investments (Immobilienanlagen) Directly held Swiss residential, commercial and mixed-use property portfolio managed by subsidiary Abendrot Immobilien AG (over 3,800 properties), invested for pension beneficiaries with a focus on climate-friendly new builds and renovations.
• Securities Investments (Wertschriften) Socially responsible listed securities portfolio covering equities, bonds and alternative investments, categorized using the proprietary Wirkungsmatrix that classifies holdings by social and environmental impact.
• Abendrot Wirkungsreise (Impact Journey) An interactive digital experience that walks users through how Abendrot's invested pension capital creates positive effects for the environment, society, and future generations; used to communicate sustainability impact to members and prospects.
• Newsletter Subscription Regular email updates for subscribers (employers, insured persons and prospects) covering pension topics, investment news, and real estate projects, delivered directly to inboxes.

Quantifiable outcome

• 5.5% interest rate on retirement savings in 2025, significantly above 1.25% statutory minimum
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core, major and minor.

• Stiftung EthoscoreStrategic or Co-development PartnerEthos is Abendrot's partner for ESG analysis and shareholder engagement. Abendrot is a founding member of Ethos Engagement Pools (Swiss and International). Ethos provides sustainability ratings, engagement activities, and vote execution services for Abendrot's listed securities investments.
• Pico Vorsorge AGcoreImplementation/ SI/ Consulting PartnerPico Vorsorge AG manages the office operations of Stiftung Abendrot. Over 40 employees work daily for the insured persons under Pico's management at the Basel headquarters.
• Abendrot Immobilien AGcoreStrategic or Co-development PartnerSubsidiary company that manages all real estate properties of Stiftung Abendrot. Currently manages over 3,800 properties. Has a team including Stefan Wolf (Managing Director), Yvonne Bürli, Daniel Engelberger, and others.
• Genossenschaft Urbane DörfermajorStrategic or Co-development PartnerCo-developer for the Webergut project in Zollikofen. The cooperative will take over as main tenant (Globalmieterin) after completion. Partnership for innovative, sustainable living and working spaces with approximately 90 cooperative apartments.
• Complex BaumajorImplementation/ SI/ Consulting PartnerGeneral contractor for Webergut project (CHF 68+ million investment) and for Lagerplatz Winterthur hall superstructure project. Selected as general/total contractor for key development projects.
• Halter Renovationen AGminorImplementation/ SI/ Consulting PartnerContractor for renovation work at the Flumserei project in Flums. Delays occurred due to detailed inspections of timber structure and floors in the historic building.
• PLAZE ArchitectsminorImplementation/ SI/ Consulting PartnerArchitecture firm developing the indicative project for Binkertareal in Laufenburg based on the winning competition entry.
• ActaresminorStrategic or Co-development PartnerAbendrot is a member of Actares for general sustainability and corporate governance information.
• Swiss Sustainable Finance (SSF)minorStrategic or Co-development PartnerAbendrot is represented on the board of Swiss Sustainable Finance (SSF).
• PKRück AGmajorStrategic or Co-development PartnerReinsurance partner for death and disability risks until end of 2025. Collaboration continues with offerings including PKTel, prevention seminars, and annual professional conferences. As of 2026, Abendrot switched to Zurich Compagnie d'Assurances for excess-of-loss coverage.
• Zurich Compagnie d'AssurancesmajorStrategic or Co-development PartnerNew reinsurance partner from January 1, 2026 for extreme risk coverage, replacing congruent reinsurance with PKRück AG.
• Klima-Allianz SchweizcoreStrategic or Co-development PartnerClimate alliance that conducts annual climate ratings for Swiss pension funds. Rated Abendrot as 'Visionary' for both financial investments and real estate. Only 1% of evaluated institutions receive this top recognition.
• Sulser & Partner AGminorImplementation/ SI/ Consulting PartnerExternal partner for case management in insurance disability cases.
• HMS Health & Medical ServiceminorImplementation/ SI/ Consulting PartnerExternal partner for case management support in health and disability cases.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Baloise: Swiss insurance group offering life, pension, and occupational insurance products including BVG solutions. Comparable on insurance capabilities (death/disability) but operates across wider lines of business.
• Swisscanto: Pension and asset management brand of Zürcher Kantonalbank, offering BVG-compliant pension solutions across Switzerland. Operates at significantly larger scale with broader product breadth than Abendrot.
• Helvetia Versicherungen: Swiss insurance group providing occupational pension, life, and non-life insurance. Overlaps with Abendrot on risk coverage and pension administration within a broader multi-line insurance portfolio.
• Swiss Life: Switzerland's largest life insurer and a major provider of full-service BVG pension solutions. Overlaps with Abendrot on group life, disability, and occupational pension but operates at vastly larger scale and across a broader portfolio.
• AXA Schweiz: Major Swiss insurance provider offering full-service BVG/LPP pension products, group life, and disability cover. Comparable in risk-coverage capabilities but bundled within AXA's full multi-line insurance portfolio.

Direct peers

• ASGA Pensionskasse Genossenschaft: Swiss cooperative Sammelstiftung focused on SME employers with multi-employer structure and full BVG administration. Directly comparable in target market (Swiss SMEs), product breadth, and partial-autonomy governance model.
• Nest Sammelstiftung: Swiss collective foundation providing occupational pension solutions to SMEs. Comparable multi-employer Sammelstiftung structure and direct-employer distribution model.
• Profond: Swiss pension foundation serving SMEs and large companies with a partially autonomous collective model. Closely comparable in structure, member profile, and BVG/LPP service offering to Abendrot.
• Pensionskasse Basel-Stadt: Canton of Basel's pension fund, headquartered in the same city as Abendrot. Serves affiliated Baselland/BSG employers under the Swiss BVG framework with a comparable multi-employer governance model and similar Swiss focus.
• PKE Pensionskasse Energie: Swiss Sammelstiftung serving the energy sector with multi-employer pension and risk insurance offerings. Comparable in operating structure, BVG service scope, and partially autonomous governance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stiftung-abendrot

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stiftung Abendrot