The name says it all
With TRANSPARENTA, you will learn clearly and comprehensibly how you are insured and how your retirement assets are invested securely and efficiently.
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. The media debate on pension claws was born - and with it the widespread consensus that many pension funds were too opaque back then and had distributed profits unfairly.
In order to create clear perspectives and, as a pioneer, to redefine transparency in the pension fund world, TRANSPARENTA was founded in July 2003 as an independent collective foundation. Our motto: safe - efficient - transparent!
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.
Pension Fund Comparison
On behalf of SonntagsZeitung and Finanz & Wirtschaft, Weibel Hess & Partner conducts an annual comprehensive pension fund comparison among collective and joint institutions throughout Switzerland, and TRANSPARENTA has consistently achieved top rankings in recent years.
«The TRANSPARENTA model was awarded the Swiss Insurance Innovation AwardSwiss Insurance Innovation Award upon its founding in 2004.»«The TRANSPARENTA model received the when it was founded in 2004.»
Pension fund figures as of May 31, 2026
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
Assets under management
Pensioner share of
total retirement capital
Technical interest rate pensioner
(with BVG2025 GT, average across all pension funds, standard 2.00%)
Net investment performance
Since the beginning of the year
Mandatory BVG share of
total retirement savings
Coverage ratio across all pension funds as of the last balance sheet date
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.
The annual report for a completed year is published every May of the new year.
“Good Governance” at TRANSPARENTA
We have a clear and streamlined structure. The tasks, competencies and responsibilities of the individual bodies are set out in Organizational regulations comprehensively regulated. This ensures expert decisions and their effective 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 and independent investment commission.
The independence of investment commission members enables us to select investment products at the most optimal conditions. It also enables us to provide ongoing and comprehensive information on market assessments and the decisions of the Investment Commission.
The Investment Commission reviews return 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.
The Investment Commission also recommends the long-term investment strategy to the Board of Trustees. It is based on ALM studies and the economic 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.
We stand for lean administrative processes with excellent service quality. Our team provides committed and competent support to employers, brokers and insured persons.
This is what sets us apart:
- Personal contact
- Reliable service
- Many years of experience
- Constant contacts
- Customer-oriented solutions
- Flexibility and innovative strength
Your additional advantage:
In addition to the administration specialists, you also have access to the consulting team of the DR. WECHSLER & PARTNER Experten für berufliche Vorsorge AG office, with extensive specialized knowledge in strategic, insurance-related, and legal matters.
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
