Bernische Lehrerversicherungskasse

What Bernische Lehrerversicherungskasse does

Bernische Lehrerversicherungskasse (BLVK) is a Swiss public-law pension fund founded in 1818 that provides occupational pension coverage to teachers in the Canton of Bern. As of December 31, 2025, the institution managed CHF 9.8 billion in assets and served 21,417 active insured members, 10,259 pension recipients, and 53 affiliated employer institutions. Membership is statutory under the BVG occupational pension framework, making the relationship structurally captive for the working life of insured teachers.

BLVK operates with a lean internal staff of approximately 25-26 employees and runs a hybrid investment model in which in-house oversight is paired with outsourced asset management through UBS, Swiss Life, Pictet, and Zürcher Kantonalbank. The fund reported a 5.8% investment return in 2025 and improved its coverage ratio to 99.7% from 97.9%, while reducing its technical interest rate from 1.50% to 1.25% to restore actuarial balance. Administrative cost per insured person stood at CHF 164, and asset management costs were 0.23% of AUM, indicating an operationally efficient cost structure relative to peers.

In 2025, BLVK launched the myBLVK member portal, marking its first dedicated digital self-service channel for active insured members and pension recipients. The fund also appointed Petrit Krasniqi as its new Head of Capital Investments in 2026, signaling a refresh of investment leadership. As a non-profit public-law institution, BLVK does not generate commercial revenue; its operating economics are captured through administrative cost recovery and asset management cost ratios, with a state guarantee underpinning its statutory mandate.

Name

Bernische Lehrerversicherungskasse

Legal name

Bernische Lehrerversicherungskasse

Website

https://blvk.ch

Company type

Private

Founded year

1818

Operating status

Operating

Headcount range

11–50 employees

Short description

Bernische Lehrerversicherungskasse is a Swiss public-law pension fund founded in 1818 that provides occupational pension coverage to 21,417 active and 10,259 retired teachers in the Canton of Bern, managing CHF 9.8 billion in assets through a hybrid in-house and outsourced investment model.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund (Public Sector)

NAICS

Pension Funds (525110), Health and Welfare Funds (525120)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Worksite Disability Insurance (STD/LTD) (FSAIAMAD)

Keywords

• Occupational pension insurance
• Public sector pension fund
• BVG mandatory coverage
• Pension fund administration
• Retirement benefits planning

Headquarters

HQ city

Ostermundigen

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions (Beiträge): BLVK collects mandatory and voluntary pension contributions from both insured members and employers. From age 25, insured members pay savings contributions (currently 8.45% of insured salary). Employers always contribute according to the Standard savings plan. This constitutes the primary inflow of capital used for investment.
2. Investment Returns on Assets: BLVK invests its asset base (CHF 9.8 billion) across asset classes including Swiss franc bonds, foreign currency bonds, equities (Swiss and foreign), Swiss and foreign real estate, and mortgages. Returns fund pension obligations. 2025 investment performance was 5.8%.
3. Mortgage Interest Income: BLVK provides mortgages to insured members for home ownership financing (Wohneigentumsförderung). Interest income from these SARON-indexed mortgages contributes to overall investment returns. Mortgages represent approximately 6.1% of total assets under management.
4. Administrative Fee Charges: BLVK charges administrative fees per insured person and pension recipient. As of 31.12.2025, administrative costs per person were CHF 164. These fees cover the operational costs of running the pension fund.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Bernische Lehrerversicherungskasse is a public-law occupational pension institution that provides mandatory BVG coverage plus a supplementary retirement plan for teachers and educational staff employed by affiliated institutions in the Canton of Bern. It administers old-age, disability and survivor benefits, offers three savings-plan variants (Plus, Standard, Minus), and supports housing goals through Wohneigentumsförderung (WEF) withdrawals, pledges, and SARON-based mortgage lending.

Product overview

Bernische Lehrerversicherungskasse (BLVK/CACEB) is a public-law pension institution offering a unified occupational pension platform for the Bernese teaching corps. The core offering is the berufliche Vorsorge (occupational pension) covering age, disability, and death insurance under BVG. This is supplemented by the myBLVK digital portal for insured persons, an employer portal for affiliated institutions, and add-on modules including SARON-based mortgages, sustainable asset management of CHF 9.8 billion, home ownership promotion (WEF), and pension simulation tools. The product ecosystem uses a modular savings plan architecture (Standard/Minus/Plus) and is delivered through integrated digital portals with electronic document management.

Differentiator

Problem solved

Functional benefit

Brands

• myBLVK: Digital insured portal providing access to pension information, simulations, and document management for insured persons.
• myCACEB
• Nexus

Products and services

• Occupational Pension Coverage (BVG mandatory + Supplementary plan) Statutory occupational pension coverage combining the federal mandatory BVG minimum with a canton-specific supplementary plan (Umhüllende Vorsorge) covering retirement, disability and survivor benefits. Coverage is provided to teachers and educational staff of affiliated institutions in the Canton of Bern.
• Mortgages (SARON-indexed) SARON-based variable-rate mortgage products (Libor replacement) underwritten directly by BLVK for members, accessible via dedicated Mortgage and Construction hotlines and the institution's mortgage portal/landing pages.
• Home Ownership Promotion (Wohneigentumsförderung / WEF) Statutory home ownership support allowing insured members to withdraw or pledge vested pension benefits for the purchase, construction or renovation of owner-occupied residential property, in line with the federal WEF framework.

Quantifiable outcome

• 5.8% investment return in 2025
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core.

• Ethos Services SAcoreTechnology or Integration · 1 January 2015BLVK/CACEB exercises its shareholder voting rights at AGMs of Swiss listed companies through Ethos Services SA, in accordance with clear directives based on international best practices in corporate governance. This partnership fulfills BLVK's statutory obligation (since 2015) for Swiss pension funds to exercise voting rights at AGMs of listed companies.
• UBS Global Asset ManagementcoreTechnology or IntegrationBLVK delegates management of certain asset classes to UBS Global Asset Management, including passive management of CHF bonds (passive), foreign currency bonds (passive), foreign equities (passive), European real estate funds, and global real estate (active mandate). UBS manages CHF 12.5%+ of BLVK's total assets.
• Swiss Life Asset ManagerscoreTechnology or IntegrationBLVK has an active mandate with Swiss Life Asset Managers for global corporate bonds, contributing to the fixed income portfolio strategy.
• Pictet Asset ManagementcoreTechnology or IntegrationBLVK delegates management of Swiss small/mid cap equities and foreign equity small caps to Pictet Asset Management on a passive basis.
• Zürcher Kantonalbank (ZKB)coreTechnology or IntegrationZKB manages foreign equities (passive mandate) and North American real estate investments for BLVK's asset portfolio.
• Association Suisse des Institutions de Prévoyance (ASIP)coreStrategic or Co-development PartnerBLVK follows the ASIP's recommendations for sustainability reporting. The Administrative Commission revised BLVK's sustainability strategy in detail in 2024 and adopted sustainability principles. BLVK publishes its annual sustainability report following ASIP recommendations.
• UN Global CompactcoreStrategic or Co-development PartnerBLVK actively supports the UN Global Compact principles and excludes from its investment universe companies that violate UN Global Compact norms. This commitment is part of BLVK's seven guiding principles for sustainable investment policy embedded in its investment regulations.
• Bernese Supervisory Authority for Pension Funds and Foundations (ABSPF)coreOthersBLVK is subject to annual controls by an actuarial expert and a statutory auditor, and is supervised by the Bernese Authority for the Supervision of Pension Funds and Foundations (ABSPF/Autorité bernoise de surveillance des institutions de prévoyance et des fondations).

Scale indicators17 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• St. Gallische Pensionskasse: Cantonal pension fund for St. Gallen state employees and teachers. Comparable in structure (public-law institution, BVG-compliant, cantonal guarantee) and product offering (occupational pension, mortgages, savings plans).
• Pensionskasse Basel-Stadt: Basel-City cantonal pension fund covering state employees including teachers. Direct peer in the same Swiss public-law pension fund category with similar governance, contribution primacy structure, and investment mandate.
• Pensionskasse Kanton Luzern: Cantonal pension fund for Lucerne teachers and state personnel. Comparable Swiss cantonal pension institution with statutory employer mandate, BVG-compliant benefits, and similar member-services digital infrastructure.
• Caisse de prévoyance de l'État de Genève (CPEG): Geneva cantonal pension institution serving state employees including teachers. Direct peer operating under parallel public-law pension framework with comparable product suite (retirement, disability, survivor benefits) and asset management mandate.
• Pensionskasse Staat Zürich: Public-law pension fund for Zurich cantonal teachers and state employees. Directly comparable as another Swiss cantonal teachers' pension institution operating under similar BVG/LPP framework with state guarantee and statutory mandate.

Broad incumbents

• Publica: Federal pension fund for employees of the Swiss Confederation and affiliated organizations. Larger incumbent in the same public-law pension category with significantly bigger AUM but parallel BVG/LPP framework, contribution model, and digital portal strategy.
• Swiss Life: Switzerland's largest life insurance company and pension provider, with significant BVG/LPP occupational pension business. Broader incumbent that competes for employer-sponsored pension mandates and operates complementary asset management services used by BLVK.
• Allianz Suisse: Major Swiss insurance carrier offering life, disability, and pension products. Broader incumbent in the Swiss insurance market offering competing disability and life insurance solutions to employer-sponsored plans across Switzerland.

Regional players

• Pensionskasse Stadt Zürich: Municipal pension fund for City of Zurich employees. Comparable Swiss public-sector pension institution with similar benefit structure (retirement, disability, survivor), though serving a municipal rather than cantonal teaching workforce.

Emerging players

• Gebäudeversicherung Bern (GVB) - Vorsorgestiftung: Canton of Bern-affiliated insurance and pension-related foundation. Adjacent Bernese public-law institution serving overlapping regional territory with related social-insurance functions, though with a different primary mandate (property insurance vs. pension).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/blvk-bernische-lehrerversicherungskasse

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Bernische Lehrerversicherungskasse