What Patrimonia does

Patrimonia (legal name: Fondation Patrimonia) is an independent, non-profit Swiss occupational pension foundation founded in 1984 and headquartered in Le Grand-Saconnex (Geneva), with a branch office in Lausanne. It provides collective occupational pension (Swiss 2nd pillar / BVG-LPP) coverage to approximately 27,000 active insured members across 1,682 affiliated companies and pays pensions to roughly 2,950 pensioners, as of late 2025/early 2026. The foundation offers retirement, disability, death, vested-benefits, voluntary contribution, home-ownership financing, and divorce settlement services under the Swiss mandatory and supplementary occupational pension framework, and is supervised by ASFIP (Cantonal Supervisory Authority for Foundations and Pension Funds of Geneva). It is the first private collective scheme in French-speaking Switzerland to hold ISO 9001:2015 certification (obtained 2010, re-certified annually).

The foundation's technology stack is built around two secure web portals — one for insured members and one for employers — that enable self-service for simulations, document access, change requests, and (since 2025) online voluntary contributions and automated mutation processing. Internal technical and administrative management has been fully internalized since 2011 under Managing Director Sylvie Jaton, with a lean team of approximately 20 employees. Investment operations cover equities, fixed income, and a 61-property direct real estate portfolio spread across the cantons of Geneva, Vaud, Fribourg, Neuchâtel, and Jura, managed under ESG criteria with external advisors including Ethos (sustainable investing), PPCmetrics (institutional investment advice), and Signa-Terre (real estate energy transition).

Patrimonia operates under a non-shareholder foundation structure: it has no equity investors, charges no fees in the commercial sense, and funds operations through employer and employee contributions plus investment returns. Its 2024 audited results showed a net portfolio return of +7.47% and a 105.2% coverage ratio after distribution; the estimated 2026 coverage ratio is 107.5%. Revenue is therefore best characterized as pooled pension contributions and investment income on CHF 4,000 million of total foundation assets, not commercial top-line. Go-to-market combines direct enterprise sales to affiliated companies, partner/broker channels, and content/event-led engagement (Trait d'Union event series, Patrimonia Académie training, LINKS newsletter, multi-language website).

Name

Patrimonia

Legal name

Fondation Patrimonia

Website

https://patrimonia.ch

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Patrimonia is an independent Swiss non-profit occupational pension foundation (founded 1984) providing BVG/LPP retirement, disability, and survivor benefits to ~27,000 active members across 1,682 affiliated companies and ~2,950 pensioners, managing CHF 4 billion in assets under ASFIP supervision.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund Management

NAICS

Pension Funds (52511)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

Keywords

• Occupational pension
• Pension fund management
• Retirement benefits
• Disability insurance
• Vested benefits

Headquarters

HQ city

Le Grand-saconnex

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions: Patrimonia collects contributions from both employers and employees (insured members). These contributions are accumulated in individual retirement accounts throughout the affiliation period. The foundation manages these assets to deliver current and future pensions.
2. Investment Returns: The foundation generates returns through responsible long-term investments in equities, fixed income, and real estate. Assets are managed according to principles of security, diversification, and optimization with a focus on the real economy.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Fondation Patrimonia administers a Swiss collective occupational pension scheme (2nd pillar / BVG-LPP), collecting contributions from affiliated employers and insured members, investing the capital responsibly across equities, fixed income and a direct real estate portfolio, and paying out retirement, disability, death, vested benefits, voluntary contribution, home ownership and divorce-related benefits. Administration is delivered through internal technical and administrative management systems, two secure online portals for members and employers, and dedicated client relationship support.

Product overview

Patrimonia is a Swiss pension fund foundation offering a comprehensive occupational pension (BVG/LPP) platform. The core offering consists of retirement savings management with disability and death insurance coverage, supplemented by ancillary services including vested benefits transfer, voluntary contributions, home ownership promotion, and divorce settlement handling. The foundation provides two web portals for insured members and employers, enabling digital management of pension affairs. Additionally, the Patrimonia Académie offers training programs for partners and affiliated companies. Investment services focus on long-term responsible investing incorporating ESG criteria across real estate and securities portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Benefits Pension savings accumulation through individual retirement accounts under the Swiss BVG/LPP occupational pension scheme, with options for lump sum or annuity payment upon retirement of insured members of affiliated companies.
• Disability Benefits Disability pension coverage for members who become unable to work, including waiver of premiums and continued savings contributions throughout the period of disability.
• Death Benefits Survivor spouse pension and orphan's pension paid to dependents of deceased insured members under the Swiss BVG/LPP scheme.
• Vested Benefits (Libre Passage) Transfer and ongoing management of pension capital when insured members change employers or leave Switzerland, preserving accrued occupational pension rights.
• Voluntary Contributions (Rachat) Voluntary contribution option enabling insured members to fill gaps in future pension benefits and increase retirement savings on a tax-deductible basis through a secure online platform.
• Home Ownership Promotion (EPL/WEF) Early withdrawal or pledging of occupational pension assets to finance the purchase of owner-occupied residential property or to repay a mortgage, under Swiss WEF/EPL rules.
• Divorce Settlement Services Administrative handling of the division of occupational pension capital between divorcing spouses as mandated by Swiss divorce law, executed on the insured member's pension account.
• Web Portal for Insured Members Secure online service enabling insured members to access their pension pot and personal documents and run simulations for retirement, voluntary contributions and home ownership.
• Web Portal for Employers Secure online service for affiliated employers to run pension simulations, prepare documents, submit change requests (data input/output, salary adjustment, activity rate), and view their current account and invoices.
• Patrimonia Académie Training program for partners and affiliated companies offering micro-sessions on foundation operations, investment management and second pillar regulations, run as an annual event series.
• Responsible Investment Services Long-term, ESG-oriented asset management for the pension portfolio, investing in equities, fixed income and a direct real estate portfolio of 61 properties across French-speaking Switzerland.

Quantifiable outcome

• 81.7% recommendation rate from insured members
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• UBScoreOthersUBS serves as the custodian bank for Patrimonia, providing safekeeping of securities, accounting, and reporting services. Bank details: UBS SA, 8098 Zurich, BIC: UBSWCHZH80A.
• NaefminorStrategic or Co-development PartnerReal estate management company handling management and administration of real estate assets within Patrimonia's property portfolio.
• BoryminorStrategic or Co-development PartnerReal estate management company providing property management services for selected real estate assets.
• EthoscoreStrategic or Co-development PartnerConsultant for sustainable investments and active shareholders. Provides sustainable investment solutions, sustainability analyses, analysis of general meetings, exercise of voting rights, and shareholder dialogue services.
• Signa-TerreminorStrategic or Co-development PartnerConsultant for real estate energy transition. Provides measurements of CO2 levels and energy consumption of housing stock, and planning renovation schedules.
• AlleacoreStrategic or Co-development PartnerActuaries and occupational benefits experts providing advice on occupational benefits, and technical and administrative management of pension schemes.
• HelvetadvisorsminorStrategic or Co-development PartnerReal estate consultant providing advice on investments, portfolio management, leasing of business premises, valuation, development and management of real estate projects.
• PPCmetricscoreStrategic or Co-development PartnerConsultant for institutional investors providing advice on investments and actuarial affairs.
• ASFIPcoreOthersCantonal Supervisory Authority for Foundations and Pension Funds of the Canton of Geneva. Supervises Patrimonia as a collective occupational pension scheme.

Scale indicators15 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA Switzerland: Major Swiss insurer offering collective BVG occupational pension products through AXA Stiftung Berufliche Vorsorge; broad incumbent competing for the same SME collective-pension segment as Patrimonia.
• Helvetia Insurance (Switzerland): Swiss insurance incumbent offering collective occupational pensions (Helvetia Sammelstiftungen and group BVG products); broad-based peer overlapping with Patrimonia in the multi-employer pension market.
• Bâloise (Baloise Group): Swiss insurance group providing group life and BVG pension solutions; competes with Patrimonia in the collective occupational pension market as part of a broader P&C and life insurance portfolio.
• Swiss Life: Switzerland's largest life insurer and a leading group-pension provider with full BVG/LPP offerings; competes with Patrimonia for employer affiliations but as part of a much broader financial-services portfolio.

Others

• PPCmetrics: Swiss consulting firm for institutional investors and pension funds providing investment advice and actuarial services — already a core partner of Patrimonia and a relevant ecosystem participant for benchmarking investment governance practices.

Direct peers

• Profond Vorsorgeeinrichtung: National Swiss Sammelstiftung offering collective occupational pensions across multiple cantons; directly comparable to Patrimonia in product scope (retirement, disability, death, vested benefits) and multi-employer governance model.
• Avadis Vorsorgeeinrichtung: Major Swiss Sammelstiftung with multi-employer BVG coverage and institutional asset management orientation; directly comparable in scale, regulatory setup, and product breadth to Patrimonia.
• Tellco Pensionskasse (Tellco pk): Eastern Switzerland Sammelstiftung offering collective BVG pension solutions; comparable in scheme structure, member-services orientation, and regional Swiss pension-fund positioning to Patrimonia.
• Abendrot (Stiftung Abendrot): Basel-based Sammelstiftung (multi-employer occupational pension foundation) operating in the Swiss pension market with a comparable collective-scheme model, ESG investment approach, and proximity-service positioning to Patrimonia.
• comPlan: Swiss collective pension foundation serving Coop and affiliated employers with BVG occupational benefits; comparable as a multi-employer Sammelstiftung with a strong regional/employer-cluster model akin to Patrimonia's.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PatrimoniaCH

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Patrimonia