The name says it all
With us, you will find out in no uncertain terms how you are insured and how TRANSPARENTA invests and manages your retirement savings.
Our story begins at the beginning of the 2000s. On the stock exchanges, the so-called burst Dot-com bubble, which led to significant investment losses worldwide. This forced major life insurers in the BVG sector in particular to drastically reduce benefits and increase premiums. Consequence: The media debate on pension claws was born - and with it the widespread consensus that many pension funds were not transparent enough back then and had unfairly distributed profits previously achieved.
In order to create fairness and, as a pioneer, to redefine the understanding of transparency in the pension fund world, TRANSPARENA was founded in July 2003 as an independent collective foundation. Our motto: safe - efficient - transparent! We started operations on January 1, 2004.
Since then, we have been offering affiliated companies and insured persons fair conditions, innovative options and insights into all processes — similar to a corporate pension fund.
Our promise: With proactive and understandable communication, we create clear perspectives. For us, transparency means making complex processes transparent.
The people behind TRANSPARENTA
We provide you with an overview at fair conditions
Holistic care management for win-win situations
Everyone benefits from this — the insured person, the employer and social security funds.
“We stand for a clear organizational structure with responsible people who are committed to safe and efficient employee benefits.”
Pension fund figures as of December 31, 2024
Here is an overview of the Foundation's key figures. We update them on a monthly basis.
Further figures and graphics on investments can be found at Investment report.
Affiliates
pension funds
Active insured persons
pension recipient
Total assets under management
Pensioner share of
retirement capital
Technical interest rate for pensioners as of 01.01.2025 (Basics BVG2020/PT)
Net investment performance
Since the beginning of the year
Mandatory BVG share of
total retirement savings
Foundation coverage as of 31.12.2023
(The individual level of coverage applies to each pension fund)
Key figures as per revised financial statements
The audited key figures as of December 31 of each year can be found in our annual reports. These provide you with comprehensive insights into the financial situation, cash flows and organization of TRANSPARENTA.
“Good Governance” at TRANSPARENTA
We have a clear structure that is as streamlined as possible. The tasks, competencies and responsibilities are in Organizational regulations clearly regulated. Specialized bodies such as the Independent Investment Commission guarantee effective and expert implementation.
TRANSPARENTA is also registered as a pension fund under BL-0298 in List of BVG and Foundation Supervision of Basel (BSABB) listed.
The organization chart clearly shows the structure of TRANSPARENTA with the pension commissions of the affiliated companies, the Board of Trustees as the highest management body in the center and the specialized bodies that ensure the flawless implementation and administration of employee benefits. Independent supervision is carried out by the occupational pension expert, the auditor and the state supervisory authorities.
“Our Board of Trustees makes responsible decisions in the interest of employers and insured persons.”
The Board of Trustees is the highest body of TRANSPARENTA and consists equally of three employer and employee representatives.
Our Board of Trustees bring together expertise, experience and responsibility to make decisions in the best interests of employers and insured persons.
Term of office and duties:
- The term of office of the Board of Trustees is 5 years and re-elections are possible. The current term of office is from January 1, 2025 to December 31, 2029.
- The Board of Trustees adopts the strategic goals and principles and determines the organization of the pension fund.
- The Board of Trustees approves the regulations, ensures financial stability and supervises management.
Employers' representatives
Accountant with federal certificate, Halter Group Board of Directors
Swiss Dipl. Auditor, Woodpecker Holding Board Member
MAS HRM, Head of Human Resources EBL
workers' representatives
Banker, pensioner (former Sallfort Privatbank)
Head of Finance with professional ID, Municipality of Spreitenbach
Dr. iur., lawyer, former head of the BVG supervisory authority in Basel-Stadt
Founder representative and advisory board
Dr. rer. pol., Swiss Dipl. Pension insurance expert
“With expertise and vision, our investment commission ensures a secure and sustainable investment.”
Investment Commission
TRANSPARENTA does not transfer important investment decisions to external service providers, but to a professional investment commission.
The independence of the investment commission enables us to select the optimal products at favourable conditions. It also enables us to provide up-to-date and comprehensive information on market assessments and the decisions of the Investment Commission.
The Investment Commission reviews performance and risk indicators on a monthly basis, ensures the implementation of the investment strategy through rule-based rebalancing and monitors compliance with statutory investment guidelines. On the basis of periodic tenders, it selects the investment instruments used and, where necessary, awards contracts to delegated asset managers under the best market conditions. The Investment Commission also recommends that the Board of Trustees make adjustments to the long-term investment strategy. It is based on ALM studies and the respective economic and financial market environment.
Dr. rer. soc., Master of Arts UZH in Banking and Finance
Certified banker, head of financial management and treasurer of the canton of Basel-Stadt
lic. oec. publ./MBA, SWIPRA Services AG
Certified Business Economist FH, Swiss Certified Business Economist Wealth Analyst CIIA
Dr. oec. publ., partner and CIO private bank Bellerive
portfolio management
The company specializes in quantitative investment strategies with a particular focus on real values. As a PRI contract partner, Picard Angst AG publicly demonstrates its commitment to responsible investment and is committed to taking core principles of sustainable and responsible asset management into account in its business activities. This includes the integration of ESG aspects into analysis and decision-making processes.
Since 2004, Picard Angst has been managing asset management mandates for institutional investors such as pension funds, insurance companies and foundations. The range of services is complemented by a range of in-house investment funds.
Picard Angst AG is an asset manager of collective investment schemes in accordance with the Federal Act on Collective Investment Schemes and is subject to supervision by the Swiss Financial Market Supervisory Authority FINMA.
Picard Angst has been involved in the collective foundation since the founding of TRANSPARENTA and has made a significant contribution to the development of the investment concept and its cost-effective implementation.
“Our office stands for efficient processes, reliable service and a dedicated team with lots of expertise and experience.”
We stand for lean administrative processes with excellent service quality. Our team provides committed and competent support to employers, brokers and insured persons.
Your additional advantage: In addition to administrative specialists, you also have the office's consulting team DR. WECHSLER & PARTNER Vocational Pensions Experts AG available with comprehensive specialist knowledge in strategic, insurance and legal issues.
This is what sets us apart:
- Personal contact
- Reliable service
- Many years of experience
- Constant contacts
- Customer-oriented solutions
- Flexibility and innovative strength
Swiss Dipl. pension fund manager
Licence Administration Economique et Sociale
Swiss Dipl. Pension fund manager
Employee benefits specialist with federal certificate
Insurance agent VBV
Social security specialist with federal certificate
Employee benefits specialist with federal certificate
Pension fund manager
Pension fund manager
