Caisse de prévoyance de l'Etat de Fribourg

What Caisse de prévoyance de l'Etat de Fribourg does

The Caisse de prévoyance de l'Etat de Fribourg (CPEF) is an autonomous public-law institution established under the Law on the Pension Fund of State Personnel (PKG) of 12 May 2011, providing mandatory occupational pension coverage (Swiss 2nd pillar, BVG/LPP) to State of Fribourg employees and personnel of affiliated institutions. Its purpose is to insure members against the risks of old age, disability, and death through three complementary plans — the Pensions Plan (RP) with three savings tiers (Standard, Plan Plus +1%, Plan Maxi +3%), the BVG/LPP minimum-coverage plan (RLPP), and the executive supplementary plan (RCC) — supplemented by services such as a pension calculator, the recently launched 'Certificat simplifié' QR-code tool, voluntary buy-backs, retirement planning, and home-ownership promotion (WEF).

CPEF manages CHF 7.1 billion in assets across a diversified portfolio (27% bonds, 28% equities, 29% direct real estate, 5% real estate funds, 4% infrastructure, 6% private markets) and a direct real estate portfolio of approximately 4,000 units, returning 4.7% net in 2025 and lifting the coverage ratio to 89.4%. The institution serves 22,843 active insured persons and 9,576 pensioners across 75 affiliated employers, paying out approximately CHF 312 million in annual pensions, with administrative costs of CHF 123 per insured person.

Distribution combines 75 employer partnerships, the Fribourg cantonal virtual office (egov.fr.ch), in-person service at the Fribourg headquarters, and bilingual (French/German) digital channels. Revenue mechanics are statutory: mandatory employer/employee contributions fund retirement savings and risk coverage, investment returns augment the fund, and the Canton of Fribourg provides an explicit solvency guarantee. Governance is paritarian, with equal employer/employee representation on the Board of Administration; the presidency rotated from employee to employer representative on 1 April 2026 under the alternation model.

Name

Caisse de prévoyance de l'Etat de Fribourg

Legal name

Caisse de prévoyance de l'Etat de Fribourg

Website

https://cpef.ch

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Caisse de prévoyance de l'Etat de Fribourg (CPEF) is a Swiss public-law pension fund providing mandatory occupational retirement coverage (2nd pillar) to State of Fribourg employees, managing CHF 7.1 billion in assets across 32,419 insured persons and 75 affiliated employers in Canton of Fribourg.

Ownership category

akta.pro rank

Headquarters

HQ city

Fribourg

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension contributions: Mandatory contributions from employees and the State of Fribourg as employer for occupational pension coverage (Swiss 2nd pillar BVG/LPP). Contributions fund retirement savings and risk coverage.
2. Investment returns: Returns on CHF 7.1 billion in assets invested across financial markets and real estate. Portfolio allocation: 27% bonds, 28% equities, 29% direct real estate, 5% real estate funds, 4% infrastructure, 6% private markets.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CPEF is an autonomous public-law institution that insures personnel of the State of Fribourg and its establishments against the risks of old age, invalidity, and death. It administers Swiss mandatory occupational pension coverage (2nd pillar BVG/LPP) through three plans — Régime de Pensions (RP), Régime LPP (RLPP), and Régime Complémentaire pour les Cadres (RCC) — and manages CHF 7.1 billion of assets for about 32,419 insured persons across 75 affiliated employers.

Product overview

Caisse de prévoyance de l'Etat de Fribourg (CPEF) is a Swiss public pension fund providing mandatory occupational retirement benefits (2nd pillar) to State of Fribourg employees. The organization offers three complementary pension plans: the Pensions Plan (RP), the BVG/LPP Plan (RLPP), and the Executives' Supplementary Plan (RCC). CPEF also provides online services including a pension calculator, simplified insurance certificate (accessible via QR code), and retirement planning tools. The fund manages CHF 7.1 billion in assets with approximately 32,419 insured persons and 9,576 pensioners, investing across financial markets and a direct real estate portfolio while integrating ESG criteria into its investment strategy.

Differentiator

Problem solved

Functional benefit

Products and services

• Régime de Pensions (RP) — Pensions Plan Main pension plan covering State of Fribourg employees against old age, disability, and death, offering retirement, disability, and survivor benefits with three savings plan options (Standard, Plan Plus +1%, Plan Maxi +3%).
• Régime LPP (RLPP) — BVG Plan BVG/LPP-compliant occupational pension plan providing the mandatory minimum statutory pension benefits for insured persons.
• Régime Complémentaire pour les Cadres (RCC) — Executive Supplementary Plan Supplementary pension plan for executives and management providing enhanced retirement and survivor benefits beyond the standard RP and RLPP plans.
• Encouragement à la propriété du logement (WEF) Home ownership promotion (WEF) service that allows insured persons to use their pension savings to purchase or renovate residential property.
• Rachats (Buy-backs)
• Retraite (Retirement Services)

Quantifiable outcome

• Net performance of 4.7% in 2025, contributing to coverage rate improvement from 86.4% to 89.4%
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Signa-TerrecoreStrategic or Co-development PartnerEnergy monitoring partner collaborating with CPEF since 2019 to track and improve energy efficiency of the real estate portfolio. Provides data for developing coherent and targeted energy renovation strategy.
• Ethos Services SAcoreStrategic or Co-development PartnerSwiss sustainable investment foundation providing ESG voting reports for CPEF's equity holdings. Publishes annual voting reports on Swiss and foreign company shareholder meetings.
• InfomaniakminorOthersSwiss cloud hosting provider for Plausible analytics data storage. Server located in Geneva, Switzerland, ensuring data stays within Swiss jurisdiction.
• Bernische BVG- und Stiftungsaufsicht (BBSA)coreOthersBernese occupational pension and foundation supervision authority under whose oversight CPEF operates as a registered pension institution.
• AntistatiqueminorImplementation/ SI/ Consulting PartnerDesign and development partner responsible for the CPEF website design and development.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Publica: Federal pension fund administering occupational benefits for employees of the Swiss Confederation and affiliated organizations. Operates under the same BVG/LPP framework with comparable benefit structure, though serving federal rather than cantonal employees.
• Caisse de pension de l'État de Vaud (CPEV): Swiss cantonal pension fund providing mandatory BVG/LPP occupational benefits to Vaud state employees. Closest structural, regulatory, and product analog to CPEF, covering similar retirement, disability, and death benefits for a public-sector workforce.
• Pensionskasse Basel-Stadt (PKBS): Basel-City cantonal pension fund offering mandatory and supplementary occupational benefits to public-sector employees. Directly comparable in structure, supervisory oversight, and product offering to CPEF.
• Pensionskasse des Kantons Zürich (PKZH): Zürich cantonal pension fund providing occupational benefits to state employees and affiliated institutions. Comparable in autonomous public-law structure, employer-affiliation model, and BVG/LPP product offering.
• Caisse de prévoyance de l'État de Genève (CPEG): Geneva cantonal pension fund serving state employees with comparable BVG/LPP coverage, multi-employer affiliation, and parity governance. Operates at a larger AUM scale but with identical legal and product framework as CPEF.
• Previs (Previs Vorsorge): Swiss inter-cantonal occupational pension fund serving multiple public-sector employers across cantons. Comparable multi-employer structure and BVG/LPP offering, though broader geographic scope than CPEF's single-canton focus.
• Compenswiss (Fonds de compensation AVS/AI/APG): Swiss federal social fund managing AVS/AI/APG reserves with comparable investment mandate, large diversified portfolio, and public-law autonomous structure. Comparable in AUM scale and asset allocation philosophy.
• Pensionskasse Bern (PKB): Bern cantonal pension fund offering mandatory and supplementary occupational benefits. Shares the same public-law autonomous structure, parity governance, and multi-employer model that CPEF operates under.
• Pensionskasse SBB (PK SBB): Occupational pension fund for Swiss Federal Railways employees, providing BVG/LPP coverage at large scale. Comparable in product structure, asset allocation approach, and direct real estate investment strategy.

Others

• Ethos Services SA: Swiss sustainable investment foundation providing ESG voting and advisory services to Swiss pension funds including CPEF. Listed as a core strategic partner, representing the investment governance ecosystem in which the fund operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/caisse-de-pr%C3%A9voyance-du-personnel-de-l-%C3%A9tat-de-fribourg

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Caisse de prévoyance de l'Etat de Fribourg