RESAVER
RESAVER is a non-profit, European Commission-backed IORP that provides portable supplementary occupational pensions for researchers and research staff across the EEA, eliminating vesting periods and transfer fees through a digital-first, cross-border platform.
- Company typePrivate
- Founded2017
- HeadquartersBrussels, Belgium
- Headcount1–10
- GTM typeB2B
- OfferingServices
What RESAVER does
RESAVER is a non-profit, pan-European occupational pension fund established in 2015 by the European Commission and operating as a licensed Institution for Occupational Retirement Provision (IORP) under Belgian FSMA supervision. It provides a supplementary defined contribution pension scheme to research-performing organisations and their employees across the European Economic Area, currently operational in nine countries (Austria, Belgium, Cyprus, France, Hungary, Italy, Netherlands, Spain, and Czech Republic) with Portugal and Germany in the pipeline. RESAVER's core commercial proposition is the elimination of structural pension barriers for internationally mobile researchers: there is no vesting period, no transfer fees in or out, and a fully paperless digital experience delivered through the MyRESAVER member portal, which supports multi-currency accounts, contribution management, and retirement projection tools.
The underlying platform is built around two investment options — Life Style (an automated lifecycle product that shifts allocation from equities to fixed income as retirement approaches) and Free Style (a self-directed fund range) — and is operated through a tightly orchestrated partner stack: Previnet (member service centre and pension administration), BlackRock (asset management), Mercer (actuarial), State Street (asset depository), KPMG (external audit), Deloitte (internal audit), BDO (accounting), Lydian (compliance), and AON (insurance advisor in Belgium). A Pension Simulator tool supports employer-facing commercial conversations, and a new sub-brand, RESAVER GO, is launching in early 2026 to address researchers on short-term, international or startup contracts.
RESAVER earns revenue through a transparent fee structure: an annual organisation membership fee of €50 per participant (capped at €5,000 per year), an annual individual member fee of €33 per employee, and asset management fees ranging from 0.35% to 1.0% of AUM depending on the chosen investment option. Operational and promotional activities are supplemented by European Commission funding through the Horizon Europe programme, and governance is exercised by a Board of Directors elected by the General Assembly of member organisations, with the European Commission playing an institutional supporting role.
RESAVER firmographics
Firmographics- Name
- RESAVER
- Legal name
- RESAVER Pension Fund
- Website
- https://resaver.eu
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- RESAVER is a non-profit, European Commission-backed IORP that provides portable supplementary occupational pensions for researchers and research staff across the EEA, eliminating vesting periods and transfer fees through a digital-first, cross-border platform.
- Ownership category
- akta.pro rank
RESAVER industry classification
Industry- Product category
- Occupational Pension Fund Management
- NAICS
- Pension Funds (525110)
- akta.pro primary industry
- Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)
- akta.pro secondary industry
- Transition / Engagement & Stewardship Funds (FSANAJAO)
Keywords
Where RESAVER is headquartered
LocationHeadquarters
- HQ city
- Brussels
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
RESAVER business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Annual Membership Fee (Organisations): Organisations pay an annual membership fee based on the number of participants in their plan. The fee is calculated at €50 per participant, with a minimum of €500 per year and a maximum of €5,000 per year. This covers the administrative costs of maintaining the pension scheme.
- Annual Member Fee (Employees): Individual participants typically pay an annual fee of €33 per employee. This fee covers participant-level administration and account management services.
- Administration and Asset Management Fees: Fees charged on assets under management. For Life Style investments, fees range from 0.35% to 0.50% of assets per year. For Free Style investments, fees range from 0.35% to 1% of assets per year.
- European Commission Funding: The European Commission provides funding through Horizon Europe to support RESAVER's operations, promotional activities, and expansion across Europe. This non-commercial revenue supports the fund's mission to facilitate researcher mobility.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Annual Organisation Membership Fee |
| Unit Pricing | Annual | Annual Individual Member Fee |
| Usage-based | Annual | Life Style Investment Management Fees |
| Usage-based | Annual | Free Style Investment Management Fees |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
RESAVER product offering
Product offeringCore offering
RESAVER operates a pan-European supplementary occupational defined contribution pension fund for research-performing organisations and their employees across the European Economic Area. The fund eliminates traditional pension barriers by offering no vesting period, no transfer fees, and a fully digital, multi-language member platform. The offering is structured as a licensed IORP (Institution for Occupational Retirement Provision) overseen by the Belgian FSMA and national regulators, with administration delivered through Previnet and asset management by BlackRock.
Product overview
RESAVER is a pan-European supplementary occupational defined contribution pension fund for research organisations and their employees. The core offering consists of the RESAVER Pension Fund platform, the MyRESAVER online member portal, and two investment options (Life Style and Free Style). RESAVER GO represents a new sub-brand pension plan for researchers not covered by existing schemes. The fund also provides a Pension Simulator tool for organisations to evaluate costs and benefits before joining.
Differentiator
Problem solved
Functional benefit
Brands
- RESAVER GO: A new pension plan launched across Europe to fill pension gaps for researchers not covered by existing schemes, including those on short-term, international or startup contracts.
Products and services
- RESAVER Pension Fund A pan-European supplementary occupational defined contribution pension scheme for research-performing organisations and their employees, designed to facilitate researcher mobility across EEA countries by eliminating pension barriers such as vesting periods, transfer fees, and administrative complexities.
- MyRESAVER Member Portal An online member portal providing plan participants access to pension account information, tools for managing contributions, monitoring investment performance, creating investment profiles, and using projection tools to estimate retirement income across multiple currencies and employers.
- Life Style Investment Option
Quantifiable outcome
- No vesting period - even single contribution is fully vested immediately
- +4 more outcomes
Companies that use RESAVER
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles1 record
RESAVER technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
RESAVER partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core, flagship and minor.
- PrevinetcorePrevinet is appointed as the Member Service Centre (MSC) for RESAVER, providing comprehensive pension administration services. With over 25 years of experience, Previnet manages 220 pension arrangements, 65 insurance companies, and over 40 financial entities, handling more than 3 million individual accounts. They also administer the NATO DCPS plan with 4,700 members across 80 employers.
- BDOcoreBDO serves as the accountant for RESAVER. One of the largest auditing, accountancy and consultancy companies in the world, BDO is present in over 154 countries with more than 1,400 offices and over 65,000 employees, specialising in financial reporting, tax, legal services, corporate finance, and management advisory.
- MercercoreMercer serves as the actuary for RESAVER. A global consulting leader in talent, health, retirement and investments, Mercer operates in over 140 countries with more than 20,000 employees. Mercer helps clients create sustainable retirement programs and is acknowledged for technical expertise in pension fund management.
- State StreetcoreState Street serves as the Asset Depository for RESAVER. A global leader across investment servicing, markets and financing, and investment management, State Street services nearly 10% of the world's assets and provides exclusive market perspectives to help clients stay ahead of change.
- BlackRockcoreBlackRock serves as Asset Manager for RESAVER. A global leader in investment, risk management and advisory services for institutional and retail clients, BlackRock had $7.4 trillion AUM in June 2019 and offers a range of products including separate accounts, mutual funds, iShares ETFs, and pooled investment vehicles.
- KPMGcoreKPMG serves as the External Auditor for RESAVER. One of the Big Four accounting organisations, KPMG is a multinational professional services network present in 145 countries with 273,424 employees, providing financial audit, tax, and advisory services.
- DeloittecoreDeloitte serves as Internal Auditor for RESAVER. The world's leading professional services firm delivers first-class audit, financial advisory, tax, legal, and consulting services. Deloitte employs more than 225,000 people in more than 150 countries.
- AONcoreAON serves as insurance advisor and broker for RESAVER in Belgium, providing independent advice on insurance, reinsurance, risk management, pensions and remuneration. AON Belgium has 4 offices (Brussels, Antwerp, Ghent and Liège) with 370 employees. AON plc is a world leader in risk management with offices in 120 countries and 50,000 people worldwide.
- LydiancoreLydian serves as Compliance Officer for RESAVER. A full-service, independent Belgian business law firm, Lydian provides highest quality services to international standard with approximately 80 lawyers in Antwerp, Brussels and Hasselt.
- European CommissionflagshipThe European Commission initiated RESAVER as part of its broader objective to facilitate the free movement of knowledge and talent within the European Research Area (ERA). The Commission provides funding through Horizon Europe, assists the Board of Directors with main operations, supports the application and admission process of new members, and raises awareness about RESAVER among research institutions across Europe.
- EURAXESSflagshipEURAXESS is a unique European Commission initiative present in 43 countries with over 650 contact points that provides researchers with access to information and support services, including guidance on pension rights and mobility across Europe. RESAVER collaborates with EURAXESS for joint workshops, panel sessions at the EURAXESS Biennial Conference, and country-level initiatives for researcher financial wellbeing.
- Charles UniversityminorCharles University participated in a workshop on HR Excellence in Research Award renewal process, providing expert contributions alongside RESAVER on talent attraction strategies for researchers in the Czech Republic.
- CuatrecasasminorCuatrecasas provided key insights into implementing RESAVER in Spain, which recently received regulatory approval, making it the eighth EU country where it is operational.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
RESAVER competitors and assessment
Company assessmentBroad incumbents
- Keva: Finnish local government and public sector pension provider covering approximately 1.3 million public sector employees. Comparable to RESAVER as a large occupational pension institution pooling contributions from multiple employers.
- PensionDanmark: Danish labour-market pension fund for over 1 million members covered by collective agreements. Comparable multi-employer occupational pension model and fee structure to RESAVER, though serving a national rather than cross-border workforce.
- APG Group: Largest pension administrator in the Netherlands managing pensions for multiple large funds including healthcare and government schemes. Comparable to RESAVER in operating pooled occupational pensions, but at much greater scale and broader workforce scope.
- PGGM: Dutch pension fund manager administering PFZW for healthcare and welfare workers. Similar occupational, multi-employer pension administration model to RESAVER, though focused on Dutch healthcare sector rather than pan-European research.
- Alecta: Swedish occupational pension company administering ITP pensions for white-collar private-sector employees. Comparable to RESAVER as a multi-employer occupational pension provider with a defined contribution structure and broad employer base.
Direct peers
- NOW: Pensions: UK workplace pension master trust serving multiple employers with auto-enrollment compliant DC pensions. Closely mirrors RESAVER's pooled multi-employer occupational pension structure and fee-based revenue model.
- Universities Superannuation Scheme (USS): UK occupational pension scheme serving the higher education and research sector. Directly comparable to RESAVER in serving research-performing organisations and academic employees with portable, employer-sponsored pension benefits.
- The People's Pension: UK workplace pension master trust pooling contributions from multiple employers. Operates the same multi-employer master trust model as RESAVER, providing defined contribution pensions to employees across many organisations.
Regional players
- TIAA: US-based non-profit pension and investment provider serving the academic, research, medical, and cultural sectors. Closest analogue to RESAVER in serving the research and academic community with non-profit occupational pensions, though operating primarily in the United States.
Emerging players
- Smart Pension: UK fintech workplace pension provider offering digital-first master trust pensions to employers. Comparable to RESAVER's digital-first MyRESAVER portal approach and multi-employer structure, but emerging rather than established.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
RESAVER social profiles
Digital presenceRESAVER compliance and trust
Trust signalCompliance1 record
RESAVER financial estimates
Financial estimateRevenue estimate
Valuation estimate
RESAVER leadership team
Management profileNumber of profiles
Profiles10 records
RESAVER funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RESAVER M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RESAVER
What does RESAVER do?
RESAVER operates a pan-European supplementary occupational defined contribution pension fund for research-performing organisations and their employees across the European Economic Area. The fund eliminates traditional pension barriers by offering no vesting period, no transfer fees, and a fully digital, multi-language member platform. The offering is structured as a licensed IORP (Institution for Occupational Retirement Provision) overseen by the Belgian FSMA and national regulators, with administration delivered through Previnet and asset management by BlackRock.
Is RESAVER a public or private company?
RESAVER is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was RESAVER founded?
RESAVER was founded in 2017. It employs 1 to 10 people.
Where is RESAVER based?
RESAVER is headquartered in Brussels, Belgium, in the Europe region.
How does RESAVER make money?
Four revenue lines are on record. Annual Membership Fee (Organisations) is the primary driver. The others are annual Member Fee (Employees), administration and Asset Management Fees and european Commission Funding.
Who are RESAVER's main competitors?
Broad incumbents on record are Keva, PensionDanmark, APG Group, PGGM and Alecta. Direct peers are NOW: Pensions, Universities Superannuation Scheme (USS) and The People's Pension. TIAA is listed as a regional player. Smart Pension is listed as an emerging player.
Does RESAVER have an API?
No public API is recorded for RESAVER.
What industry is RESAVER in?
RESAVER's product category is Occupational Pension Fund Management. Its primary akta.pro industry code is FSAAAGAB, Pension Master Trusts, Superannuation & Provident Funds, with a secondary code of FSANAJAO, Transition / Engagement & Stewardship Funds. Its NAICS code is 525110.