Pensionskasse Schaffhausen

What Pensionskasse Schaffhausen does

Pensionskasse Schaffhausen (PKSH) is a self-governing public-law occupational pension institution established by decree of the Canton of Schaffhausen on November 25, 1925, and re-established as an autonomous entity under its current name on November 1, 2013. The fund provides mandatory BVG (second pillar) plus over-obligatory pension coverage to employees of the Canton of Schaffhausen and 74 affiliated public-sector employers, including municipalities, school districts, church parishes, and other public-law entities, serving over 14,000 active insured persons and pensioners combined. The core product set consists of two pension plans — Vorsorgeplan Standard (60% employer / 40% employee contribution split) and Vorsorgeplan Plus (higher savings contributions of approximately 3% additional), with risk coverage for disability and death, retirement, survivor, and bridging pensions, plus direct mortgage products to insured members.

The fund's technology stack is centered on a self-service digital ecosystem: the Online-Berechnungstool hosted at pk-simulation.sh.ch (with SMS-based two-factor authentication), alongside standalone calculators for contributions, retirement income, and mortgage affordability. Actuarial calculations are based on VZ 2020 generational tables with a 1.5% technical interest rate. PKSH maintains a 118.5% coverage degree (as of June 30, 2026) and YTD investment performance of 3.95% (Q1 2026), with assets invested across equities, bonds, real estate, and alternatives under oversight of partner PPCmetrics AG as external investment controller.

PKSH's revenue mechanics are non-commercial: the institution is funded by mandatory and voluntary employer/employee pension contributions, supplemented by investment returns on pension assets and interest income from direct mortgage lending. Distribution is entirely domestic (Canton of Schaffhausen only), with direct employer relationships for onboarding and contribution administration, and a channel partnership with Schaffhauser Kantonalbank for mortgage advisory and processing. Marketing is conducted through the company website, an annual newsletter ('s'Neueste'), the online simulation portal, and periodic information events, with no paid advertising or social media presence. Governance is exercised through a parity-based Verwaltungskommission, with regulatory oversight from BVG- und Stiftungsaufsicht des Kantons Zürich (BVS).

Name

Pensionskasse Schaffhausen

Legal name

Pensionskasse Schaffhausen

Website

https://pksh.ch

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

1–10 employees

Short description

Pensionskasse Schaffhausen (PKSH) is a self-governing public-sector occupational pension fund in Canton Schaffhausen, Switzerland, providing mandatory BVG and over-obligatory retirement, disability, and survivor benefits to 14,000+ insured persons and pensioners from 74 affiliated employers, plus direct mortgages to members.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK)

akta.pro secondary industry

Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Occupational pension
• Retirement benefits
• Pension administration
• Risk coverage
• Mortgage lending

Headquarters

HQ city

Schaffhausen

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: PKSH collects regular contributions from both employers and employees of affiliated public-sector organizations. The contribution ratio is 40% employee to 60% employer under the Standard pension plan. Contributions fund retirement savings, risk coverage (disability and death), and administrative costs.
2. Investment Returns on Pension Assets: PKSH invests its pension assets across equities, bonds, real estate, and alternative investments to generate returns that fund current and future pension obligations. Performance (YTD 3.95% as of Q1 2026) and coverage degree (118.5%) are key financial health indicators.
3. Mortgage Lending: PKSH provides direct mortgages to its insured members (active and retired), generating interest income. Mortgages are offered in Swiss francs with fixed, variable, and money-market options. Schaffhauser Kantonalbank handles advice and processing; PKSH is the direct lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Pensionskasse Schaffhausen (PKSH) is a self-governing public-law occupational pension fund providing mandatory (BVG) and over-obligatory retirement, disability, and survivor benefits to employees of the Canton of Schaffhausen and 74 affiliated public-sector employers through Standard and Plus pension plans. PKSH also offers direct mortgages (fixed, variable, and money-market) to its insured members, supported by self-service online calculation tools and asset management of pension reserves.

Product overview

Pensionskasse Schaffhausen (PKSH) operates as a unified occupational pension fund (BVG/2nd pillar) offering a comprehensive portfolio of pension products and financial services. The core offering consists of two pension plans (Standard and Plus) providing retirement, disability, and survivor benefits to over 14,000 insured persons and retirees from 74 affiliated employers. Digital self-service is delivered through online calculation tools including the Online-Berechnungstool (simulation portal), Beitrags-Rechner (contribution calculator), Rentenrechner (retirement calculator), and Hypotheken-Rechner (mortgage calculator). Supplementary services include direct mortgage offerings to insured persons and pension transfer management. The product ecosystem centers on the online simulation platform as the primary digital interface for insured persons.

Differentiator

Problem solved

Functional benefit

Products and services

• Vorsorgeplan Standard (Standard Pension Plan) Base occupational pension plan providing mandatory (BVG) and over-obligatory retirement, disability, and survivor benefits to active employees of the Canton of Schaffhausen and 74 affiliated public-sector employers, with a 60% employer and 40% employee contribution split.
• Vorsorgeplan Plus (Plus Pension Plan) Enhanced pension plan offering approximately 3% higher savings contributions than the Standard plan, resulting in greater retirement capital and benefits; available to active insured persons from age 25 with annual plan selection via the online simulation tool.
• Direkte Hypotheken (Direct Mortgages) Direct mortgage products offered by PKSH to its active insured persons and pension recipients, including fixed-rate (Festhypothek), variable-rate, and money-market mortgages in Swiss francs, with a 0.2% energy bonus for Minergie-certified properties or GEAK class A (new builds) / C (renovations); advisory and processing handled by Schaffhauser Kantonalbank.

Quantifiable outcome

• Coverage degree of 118.5% (Q2 2026), well above regulatory minimum, indicating strong financial health
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• IIGCC (The Institutional Investors Group on Climate Change)coreStrategic or Co-development Partner · 1 January 2019PKSH became a member of IIGCC in 2019. IIGCC is the European membership organization for investor collaboration on climate change, and is one of five member organizations of Climate Action 100+. PKSH supports Climate Action 100+ as a 'Supporter', calling on major greenhouse gas emitters to improve climate governance and reduce emissions.
• Schaffhauser Kantonalbank (SHKB)coreChannel Partner/ Reseller/ Distributor · 1 September 2018PKSH partnered with Schaffhauser Kantonalbank to provide advisory and processing services for its direct mortgage products. SHKB handles all customer-facing mortgage advice, processing, and ongoing servicing. The actual mortgage contract is with PKSH, not SHKB. PKSH can also receive applications directly. SHKB also provides banking services including the main IBAN account for PKSH (IBAN CH52 0078 2008 2201 0310 1).
• Ethos Stiftung and Ethos Engagement Pool SchweizcoreStrategic or Co-development Partner · 1 January 2018PKSH has been a member of Ethos Stiftung and the Ethos Engagement Pool Schweiz since 2018. The pool actively engages in permanent dialogue with the management of the 150 largest listed Swiss companies on governance, environmental, and social responsibility issues. PKSH participates in setting annual dialogue topics.
• PPCmetrics AG, ZürichcoreImplementation/ SI/ Consulting PartnerPPCmetrics AG serves as the external Investment Controller for PKSH. They support the Verwaltungskommission and Anlagekommission in monitoring implementation of investment strategy and the investment process, providing timely control of asset management activities and external asset manager monitoring.
• Büro Deprez Experten AG, ZürichcoreImplementation/ SI/ Consulting PartnerBüro Deprez Experten AG acts as the Actuarial Expert (Experte für berufliche Vorsorge) for PKSH, responsible for all actuarial matters. They verify that PKSH can at all times fulfill its obligations and serve as the central contact for the Vorsorgekommission.
• KPMG AG, ZürichcoreImplementation/ SI/ Consulting PartnerKPMG AG serves as the external audit firm (Revisionsstelle) for PKSH, annually examining business management, accounting, and asset investments as required by Swiss pension fund law.
• BVG- und Stiftungsaufsicht des Kantons Zürich (BVS)coreOthersBVS is the regulatory supervisory authority for PKSH. It reviews pension fund regulations, annual reporting, auditor reports, and actuarial expert reports; orders measures to remedy deficiencies; and provides advisory services including legal opinions and pre-examinations.
• id connect AG, WinterthurminorOthersid connect AG designed the PKSH website.
• Büro für Erfrischung GmbH, Lagerhausstrasse 18minorOthersBüro für Erfrischung GmbH provided layout and implementation of the PKSH website.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Pensionskasse Basel-Stadt: Public-sector pension fund for the Canton of Basel-Stadt and affiliated employers. Closely comparable in mandate (cantonal public-law institution), regulatory regime (BVG), and service portfolio (retirement, risk coverage, mortgages for members).
• St. Gallische Pensionskasse: Cantonal pension fund for the Canton of St. Gallen. Comparable in structure, regulatory environment, and service offerings (BVG coverage, retirement savings, risk benefits) for a regional public-sector workforce.
• Bernische Pensionskasse (BPK): Pension fund for the Canton of Bern's public-sector employees. Comparable as a cantonal autonomous public-law pension institution offering Standard/Plus-style plans, digital self-service, and member-centric products under Swiss BVG.
• Thurgauer Pensionskasse: Cantonal pension fund for the Canton of Thurgau. Comparable as a small-to-mid-sized Swiss cantonal public-sector pension fund operating autonomously under BVG.
• Pensionskasse Luzern: Occupational pension fund for employees of the Canton of Luzern and affiliated public-sector bodies. Comparable in mandate, governance structure, and product set under the Swiss BVG framework.
• Aargauische Pensionskasse: Cantonal pension fund for the Canton of Aargau. Directly comparable as a Swiss cantonal autonomous public-law pension institution offering retirement, disability, and survivor coverage to public-sector employees.
• Pensionskasse Graubünden: Public-sector pension fund for the Canton of Graubünden. Comparable as a smaller cantonal autonomous pension fund administering BVG benefits for cantonal, municipal, and affiliated public employers in a single Swiss canton.
• Pensionskasse Stadt Zürich: Occupational pension fund for the City of Zürich and affiliated employers. Directly comparable as a Swiss municipal public-sector pension fund operating under the BVG framework, administering retirement, disability, and survivor benefits for civil servants and public employees in a single canton.

Broad incumbents

• PUBLICA: Federal pension fund of the Swiss Confederation, administering pension coverage for federal employees and affiliated organizations. Comparable in operating model (autonomous public-law pension institution), product portfolio, and digital self-service orientation, but at materially greater scale and with multi-canton reach.
• BVK Personalvorsorge des Kantons Zürich: Pension fund for the Canton of Zürich's public-sector employees and affiliated organizations. Comparable in mandate and product set, but is one of Switzerland's largest pension funds with broader geographic and employer reach than PKSH.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pensionskasse-schaffhausen

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Pensionskasse Schaffhausen