What Rivora Sammelstiftung does

Rivora Sammelstiftung is an independent Swiss collective foundation (Sammelstiftung) for occupational pension provision (BVG / second pillar), established in 1988 in Winterthur, Switzerland, and supervised by the BVG- und Stiftungsaufsicht des Kantons Zürich (BVS). Per the December 2025 annual disclosure, the foundation reports a balance sheet total of CHF 1.634 billion, 1,282 active insured persons and 1,649 pensioners, an average funding ratio of 135.3%, and a technical interest rate of 2.0%. The foundation operates on a non-commercial basis with no external shareholders, governed by a paritätischer Stiftungsrat of employer and employee representatives; profits accrue exclusively to affiliated companies and their employees.

The offering is structured around two product lines and two investment pools. Rivora Individuell provides an individual pension plan (Vorsorgewerk) for companies with 30 or more employees, functioning as an alternative to a company-owned pension fund with its own accounting and pension commission. Rivora Kollektiv, launched in November 2024, opens the foundation to companies with three or more employees with shared infrastructure and customizable plan parameters. Underpinning both products are two proprietary investment pools — Pool 30 (30% equity quota, target fluctuation reserve 15.1%) and Pool 45 (~42% strategic equity quota, 19.0%) — featuring high direct real estate allocation and ESG integration; and a self-managed Risikofonds covering disability and death benefits, which removes third-party insurer margins. Online portals serve employers (rivora-agportal.ch) and insured persons (rivora-mypension.ch).

Distribution combines a six-person in-house sales team, partnerships with FINMA-registered pension advisors, and self-service online portals for data and document management. Pricing is subscription-based with monthly billing; administrative cost is CHF 205 per beneficiary (2025), reported as the lowest among comparably organized collective foundations with individual Vorsorgewerke, and savings-capital interest rates range from 1.75% to 13% depending on the employer plan. Investment performance is consistently disclosed against the UBS PK-Index: Pool 30 +7.83% and Pool 45 +9.38% in 2025 versus the index at +5.83%. The foundation has earned IAZI 'Best Residential Properties' in 2025 and 2026 and was named IAZI 'Best Pension Fund' for the first time at the 2026 event.

Name

Rivora Sammelstiftung

Legal name

Rivora Sammelstiftung

Website

https://rivora.ch

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Rivora Sammelstiftung is an independent Swiss Sammelstiftung under BVG law that provides second-pillar occupational pension solutions (Rivora Individuell and Rivora Kollektiv) plus two investment pools (Pool 30 and Pool 45) to Swiss companies ranging from three employees upward.

Ownership category

akta.pro rank

Product category

Occupational Pension Services (Swiss BVG Sammelstiftung)

NAICS

Pension Funds (525110), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK)

Keywords

• Occupational pension provision
• BVG collective pension foundation
• Swiss pension fund management
• Employer pension solutions
• Investment pool management

Headquarters

HQ city

Winterthur

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions (BVG): As a collective foundation (Sammelstiftung) under Swiss occupational pension law (BVG), Rivora collects retirement savings contributions from employers and employees. Contributions fund individual pension accounts, risk coverage, and administrative costs.
2. Investment Returns: Returns generated through management of CHF 1.6+ billion in pension assets across two investment pools (Pool 30 and Pool 45). Investment performance directly benefits insured persons through savings interest and overall pension fund strength.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Rivora Sammelstiftung is an independent Swiss collective foundation that provides occupational pension provision (BVG/2nd pillar) for Swiss employers. It offers two pension plan solutions—Rivora Kollektiv for smaller companies (3+ employees) and Rivora Individuell for larger companies (30+ employees)—each supported by dedicated investment pools (Pool 30 and Pool 45) and a self-managed risk fund covering disability and death benefits. Online portals for employers and insured persons support self-service administration, and overall the foundation manages over CHF 1.6 billion in pension assets across roughly 130 affiliated companies and 4,000 insured persons.

Product overview

Rivora Sammelstiftung is an independent collective foundation for occupational pension provision (BVG/2nd pillar) in Switzerland. The offering consists of two main pension solutions: Rivora Individuell for companies with 30+ employees providing a customized pension foundation with individual governance, and Rivora Kollektiv for companies with 3+ employees offering collective pension coverage with flexible plan design. Both solutions are supported by two investment pools (Pool 30 and Pool 45) differentiated by risk profiles and equity quotas, a self-managed risk fund for disability and death coverage, and online portals (Rivora Online for employers and Versichertenportal for insured persons) for account management and calculations. The foundation emphasizes low administrative costs, above-average investment returns outperforming the UBS PK-Index, and personalized advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• Rivora Individuell: Individual pension solution for companies with 30+ employees, offering own pension plan with individual accounting, own pension committee, and self-determined pension plan design (e.g., conversion rate, savings contributions). Functions like a company-owned pension fund but with less resources required.
• Rivora Kollektiv
• Rivora Pool 30
• Rivora Pool 45

Products and services

• Rivora Kollektiv

Quantifiable outcome

• Average administrative cost per beneficiary of CHF 205 (2025) — lowest among comparable collective foundations with individual pension funds
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Auwiesen Immobilien AGcoreStrategic or Co-development PartnerLong-standing partnership in the management and strategic development of Rivora's real estate portfolio. Auwiesen Immobilien AG acts as a competent service partner, ensuring high quality standards and sustainable solutions in property management. This partnership was a key factor in Rivora winning the 'Best Residential Properties' award.
• FINMA-Registered Pension AdvisorscoreChannel Partner/ Reseller/ DistributorProfessional pension advisors registered in the FINMA register distribute Rivora's pension solutions to their client companies. Rivora supports these partners with modern digital tools and data-driven analysis to develop optimal pension strategies for clients.
• Responsible Shareholder Group (RSG) by InrateminorStrategic or Co-development PartnerRivora is a member of the Responsible Shareholder Group (RSG) by Inrate, which influences the assessment of sustainability criteria of listed Swiss companies.
• PricewaterhouseCoopers AG, Zürich (Audit)minorOthersStatutory auditor that annually examines whether the annual accounts, pension accounts, management, and asset investments comply with legal and regulatory provisions.

Scale indicators10 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Swiss Life Sammelstiftungen: Swiss Life operates collective foundation offerings alongside its broader life insurance and asset management business. Larger and more diversified than Rivora but competes head-to-head for Swiss BVG occupational pension mandates.
• Baloise Versicherung AG: Major Swiss insurance group offering BVG-compliant pension foundation solutions as part of a broader life and non-life insurance portfolio. Larger scale but similar product targeting of Swiss employers.
• Helvetia Versicherungen: Swiss insurance group with occupational pension foundation offerings integrated into a wider life, property/casualty and asset management portfolio. Competes for the same Swiss employer BVG mandates as Rivora.
• Allianz Suisse (Allianz Pension): Swiss arm of Allianz offering BVG-compliant collective foundation pension solutions as part of a global insurance and asset management franchise. Competes with Rivora for Swiss occupational pension mandates via affiliated employer structures.
• AXA Schweiz AG: Large Swiss insurer with BVG pension foundation products and individual Vorsorgewerke alongside its broader life and P&C business. Materially larger than Rivora but operates in the same Swiss occupational pension category.

Direct peers

• PKG Pensionskasse Gebäudehülle Schweiz: Swiss industry-specific Sammelstiftung providing occupational pensions for building envelope companies, with multiple affiliated Vorsorgewerke. Comparable BVG foundation structure and product model.
• Profond Vorsorgeeinrichtung: Swiss Sammelstiftung offering BVG-compliant occupational pension solutions for SMEs, structured similarly to Rivora Individuell/Kollektiv with independent governance and employer-affiliated Vorsorgewerke. Directly comparable on product, target market and operating model.
• PKE Vorsorgestiftung Energie: Swiss Sammelstiftung focused on the energy sector, offering BVG-compliant occupational pensions with individual Vorsorgewerke for affiliated employers. Similar governance, scale, and product structure to Rivora.
• Abendrot Pensionskasse: Swiss pension foundation structured as an independent Sammelstiftung offering occupational pension coverage to multiple affiliated companies with individual accounting. Directly comparable product architecture and Swiss BVG positioning.
• Pensionskasse SBB: Swiss occupational pension foundation (Stiftung) providing BVG-compliant benefits to affiliated employers with individual Vorsorgewerke. Comparable structure, regulatory regime, and Swiss-only market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/rivora-sammelstiftung

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Rivora Sammelstiftung